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Redundancy Tax
I’m taking redundancy in August this year - I was previously made redundant from the same company nearly 7 years ago but returned to a completely different job / position after 15 months. Does this impact on the tax I am charged on my 2nd redundancy payment?
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Different Credit Files / Different CRA
Hello, I have done exaustive reading on this forum, (thanks for all those who contribute) regarding Credit Score and CRAs so I will try not to ask about CS as I know some people feel quite strongly that they dont actual exist. So I will stick to my actual report. I have discovered I have different credit file with equifax…
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Landmark unsecured loan
Hello there, does anyone have any advice to help me with the following? I’m not getting very far trying to do this myself. I went into a dmp in 2013 and one of my creditors is recording missed and late payments on the loan, I have kept up with all agreed payments. They did not add a default to the account at any point. I…
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Creation financial
This discussion was created from comments split from: Goodwill letter to Lowell email?.
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Credit score is high but still cannot borrow
Hi all, I'm new to forums so bear with me. I have an excellent Experian score (995) and above average Equifax score (490). Both say I am doing well in the credit score area and I have always been quite proud of this. However what really confuses me is that despite these scores, and at the age of 40, I have barely ever been…
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How will it appear? Help plz
Hi looking for some help. My partner is due an upgrade on his phone and badly needs it. He is in the middle of mortgage application. Will this show as a new line of credit and could it affect his mortgage application? Thank you
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How to check credit if unsure of details
Hi, If I can't provide enough detail or can't be answered apologies if this wastes time for anyone. Roughly in 2006 I stopped paying my debts (about 12k or so in credit card bills, mobile phone bills and an overdraft). For 3 years I got by with no registered addresses, no bank details or anything registered in my name. In…
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Goodwill letter to Lowell email?
Hi I am about to write a goodwill letter to Lowell Financial to get a default removed from my credit file. A bit of background, the default which was settle in Feb last year was £11 for a final EE bill. Unfortunately I was not aware of the bill due to me being in hospital with a stroke. By the time I was out of hospital…
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Late Payments be Default
I’ve asked a similar question on another thread but I don’t think it was clear what information I needed. Would it be better to have a default removed from my credit file, which would mean late payments showing for another 5 years until entry drops off file or;Keep default on my file, as this would drop off after 4 years,…
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Wrong address on credit file?!?
I’ve just checked my clearscore report and I am wondering why two of my credit cards and my bank account are registered at my sisters address? I know for absolutely certain that I didn’t use her address when I opened the accounts up. I am registered at get address for my GP, but I can’t see how that would spill over and…
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Equifax deleted my accounts
I've had a look to see if there was a similar thread, but can't see one, so apologies if I'm duplicating a discussion. Also, sorry for the length. I previously entered into a trust deed, which was completed in 2018 and discharged in 2019.Throughout that time I had been working very hard to improve my credit rating. By…
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TESCO default
I had a credit card with Tesco. I missed 3 payments due to own stupidity really of not checking if the direct debit was going out. I did, however, pay them 8 10 days they needed the initial payment, however they defaulted by account anyways. Last year I was earning half the money I do now despite working to jobs. I have…
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Credit Score at 18
Hello, i'm new to this forum so if I use any incorrect formats I apologised. I recently turned 18, (May 28th) No credit Score companies can verify my identity. How long does it typically take from your 18th birthday to have a credit score? I am on the electoral register. I can't apply for a credit building card as it shows…
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Default removed from account
Hoping for some advice. I previously posted about my financial issues as a result of paying for private treatment for my wife’s cancer fight, which she subsequently lost in Feb’19. As a result of putting all money toward this, I had numerous defaults and pay day loans, all of which have now been settled. I had previously…
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Sky
Hi, I am being chased for a sky debt which I do not believe is mine. When I first received a letter from the company I called them and they were unable to speak with me as the birthday and email they held for the debtor were not mine. I sent them a prove it letter and their response today has been this: "We can confirm…
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How long's it taking to get a pin letter from Experian?
I applied for my credit report from Experian at the end of June and haven't received my pin-verification letter yet. I've tried contacting them to no avail. Are they using coronavirus as an excuse to take their time about it?
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Do settled/paid CCJs still show on my report
As above really, having a dispute which may end in court. Both parties believe to be in the right. If judgement goes against me I am happy to pay but would the judgement itself negatively impact my credit (currently searching for first property)
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Electrol role
My partner has poor credit. She’s not currently on the electrol roll. If I register her at this address, will I be affected? We have no financial ties. Many thanks.
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Random Credit Searches
Why do I get random companies constantly doing credit searches on my record, with the explaination to see what products they can offer me. I know it's affecting my score, but is there a way to stop this?
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Defaults
Evening ☺️ I would like some information about when defaulted accounts come off a credit report. I have an account below that is settled. Account start date17/02/2015Account end date12/11/2016 The account has payments on time then a few missed payments then some payments on time, then there were continuous missed payments…
