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Opt out are hard credit searches & do downgrade your credit score - keep away!
I made quotation requests on comparison sites expecting soft searches to show. Then had an unauthorized opt out credit search appear in my credit file from Eon Energy Solutions Ltd of which has * Included in the table 1 of credit searches * Lowered my score. * Lists in the total number of hard credit searches made on a…
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Credit score drop
I have recently decided to stop wasting money on a subscription to Experian partly on advice by an advisor on one of my accounts during a completely unrelated call. Since I have cancelled with them they have emailed me saying my score has dropped by 15 points. Prior to cancelling I noted from them my score was the maximum…
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Moved: Drydens are taking me to court for defaulting on student loan - no idea what to do
This discussion has been moved.
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Late Payment to Very.co.uk
Hello, I need some help if thats OK. I recently missed a payment of £5 by 11 days to very.co.uk - I had paid my BNPL account but not my normal account by accident. I realised the mistake when I saw my new statement and immediately paid the balance. I have recently found out this has drastically effected my credit rating! I…
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Lowell next step assessment letter
Hi I've had a letter from Lowell referring to a mobile phone contract. At the time I was suffering from mental health issues (diagnosed depression, un-diagnosed BPD) and took out lots of credit in a short space of time. I'm wondering if I can argue this debt on these grounds? Any help would be greatly appreciated The Tesco…
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How many hard searches do damage?
I have 2 from February (Mortgage apps) 1 failed 2nd one approved. Then I changed my broadband provider to virgin media in April and they done a hard search too. So now I have 3 hard searches in past 12 months. What sort of damage will this do to my file? I’m not really planning of applying for any credit anytime soon.…
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BIlls and credit score
I've read that ( not ) paying bills 'on time' can affect a credit score. I think my credit score should be good, it's not, and I'm wondering if a utility company, who continue to demand ( through administrators, as they went bust ) payment, is affecting it. I don't owe this money, and was only told by the judge, on the day…
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HELP WITH MY CREDIT RATING
Hi all. New here so please forgive if I'm not doing things correct lol. So I'm 26 and just had my 1st child with my partner and currently staying in a council property that I want to get out of and gain a mortage. I had debt from my younger days through payday loans etc ( Stupid I know but I wasnt thinking of all this back…
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Default accounts on credit report
I am trying to figure out the best way to improve my credit score. It is pretty low and this is mainly due to a number of default accounts I have from my misspent youth. I have 4 accounts that show on my credit report from 2014/15. I have been making payments with a DMC but the payments are low and it would take me years…
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Settled CCJ falls off file next week
How much with my credit rating improve.
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CCJ I didnt know about
2 days ago I received a letter from Civil Enforcement regarding an alleged parking fine 3 1/2 years ago on 16 October 2016. They alleged I had a CCJ and agreed a payment plan. They said I had made some payments and last payment received was 12 December 2017. So to receive a letter telling me I had a CCJ and still owed…
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Finance agreement for a service not provided
Hi all, I have a finance agreement for dental treatment. The dental company has gone into administration. My treatment is not complete. I have cancelled the direct debit and contacted the finance company. They say I must continue paying and claim money back later. I know as a small creditor I am very unlikely to see the…
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How can I improve my credit rating after DMP?
Hi everyone, I’m just looking for some advice really. I got into a lot of trouble with money and accrued nearly 20k worth of debt in my early 20s (stupid I know and I’ve learnt my lesson). After 3 and a half years, I see a light at the end of the tunnel and should be able to pay it off by the end of the summer. However, I…
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Two defaults-from phone company, will this affect mortgage?
I've had two defaults from not paying my mobile phone contract bill. I had some mixed responses from another forum stating if its for a mortgage application, they'll just shove it under the carpet and will not be too bothered. If my business flourises or if I get a contracting job and save bit and try to get a mortgage in…
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DMP credit score
I am in a debt management plan and have 2 debts I have been paying off for years. However when checking recent credit scores through ClearScore and Experian these debts no longer show up anywhere. I was wondering if they are no longer on does that mean they’ve been classed as settled and I can stop paying or is it…
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How do lenders see a frequent mover?
Thanks for helping. I'm applying for a mortgage to buy my first home and getting quite worried that my address records will affect my application. I came to the UK 3.5 years ago for university, during which I was living in student halls and moving at the end of summer each year. I ended up staying in each address for 7-8…
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++ WONGA ++
Hi Forum Members, Trust you're well and keeping safe! I appreciate this is perhaps a long shot, but is there anyway of removing 'Wonga' Payday Loans from my credit file? All satisfied within 48hrs of taking the quick cash access and never defaulted. I never knew at the time these would stay on my credit file! I am in a…
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Would a Current Account with an arranged overdraft facility go on to your credit file
I am just wondering about my Experian credit file. Perhaps i have not used the track your file webpage properly. With my Santander Everyday account, i have the option of an arranged overdraft which i have never arranged or used in any way, Would this show up with Experian. I understand that although overdrafts are usually…
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Fraudulent cards
Please please please can someone help!! My husband and I had our names stolen with 5 credit cards taken out in our names, this was 4 years ago and we have had no end of problems since then. We had huge trouble getting our mortgage last year and simple credit agreements for various things have bounced back saying we have a…
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Information
Good Evening, i need some help to rebuild Crdit score but need to split the question in two: 2017/2018 Apply for Aqua Card and Capital One Card and with my stupidity i made some short loan as was thinking was easy to pay and from that moment start my problem, went holiday and spend money and reach the cap of both card…
