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Owner didn't declare they had a business and paid rates. Council is chasing me
Two years after we bought a house, we discovered that the previous owner had run a dog-breeding business and paid non-domestic-rates rates. We found out when the council sent us a £3,000 bill to pay non-domestic-rates rates. We told them that we weren't running a business so they stopped it going forward but are still…
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0% chance of getting a top 0% spending card
Hi,My experian credit score is 999 but the MoneySavingExpert eligibility calculator says I've got 0% chance of getting a top 0% spending card!?Thanks,
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How to claim compensation for error on my credit file
About six years ago, somebody fraudulently signed a mobile phone contract with EE using my address and a name similar to mine, and it has been affecting my ability to get credit. I only recently discovered it, despite many enquiries to both EE and credit reference agencies (who all said that my credit was fantastic). EE…
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Chased for a debt not showing on Credit Report
Hi. I received numerous emails that I've only just come across from IMFS for approx. £70 in relation to an old car insurance policy I took out in 2016, I changed address and was unaware there was an outstanding balance until a came across emails in my spam folder. There is nothing showing in terms of a default/arrears for…
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Reduce credit card limits or leave as is for mortgage application?
I've a remortgage application in the next few months to hopefully get more funds for home improvements. Over the past months I've been reducing my short-term credit card debt on 4 different 0% balance transfer cards. I've another 2 cards for day-to-day usage. I've a total of £80k credit available to me for all combined…
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CCJ Removed from credit file early?
Hello, On the 4th June I paid off a CCJ that was issued in August 2017. It updated as satisfied on Credit Karma report shortly after - and I understood that it would remain that way on my file until 6 years from the start date - so would drop off in August 2023. Just checked my report on Clearscore (which comes form…
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Should I close my credit accounts?
Hi everyone, I have a few credit accounts like Next and Very towards my name, all of which I have completely paid off. As well as this, I also have a credit card that I have paid off too. I was just wondering whether or not I should close these accounts and what effect it will have on my credit score?
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Credit card eligibility calculator not working?
I keep getting this message: Sorry, we can’t get your results right now We're working on it, please try again later Is it just me? :)
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Credit Karma will not supply reset password email.
Forgot my password. Requested reset email. They replied they would not send unless I sent a copy of my driving license or answered 3 impossible questions. I have asked them to close my account but they have not responded. All the while I continued to receive ratings emails so not sure why they would not reset. Is it a scam?
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Incorrect Reporting from Store Credit
I have been looking at my credit report in order to apply for car finance. I have no credit card, but a store credit from Very which I pay every month. Looking back on my record they have reported a missed/late payment in November 2019. But this is not correct and I have bank statements to prove so. What do I do to get…
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Default moved 1 year in advance
Hi, My default came off from landmark mortgages, it was for around 6k, the default on my credit file had said march 2014, just today i get an email saying a default has been added, the date now says march 2015 which is complete wrong, for years it has always said 2014 and that is correct, can they move the default date…
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The Mechanics of Eligibility Checking.
Most eligibility checkers give you an answer (yes/no/maybe) within about 30 seconds, which I suspect is one of the reasons why people tend to think that their credit score is being used - after all, what would be better for a computer to base a decision on than a straight-forward numeric value? However, knowing now that…
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Set aside date
What is a set aside date? There is a ccj on my credit file from 2015 with a set aside date in 2017.
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Two accounts for same debt showing on credit file & Help with clearing up credit file
Hi all, long story short and without going into all the details of my financial history/personal life, I find myself a bit confused with this. I took out a credit card with Barclaycard in 2013. After a period of time I couldn't keep up with repayments and the account defaulted. First default recorded by Barclaycard in…
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Ikano
Hi. Does anyone know what it can be a removed account from Ikano on my credit check report? I do not remember to have any accounts with this bank. I did not know that this bank existed until I've seen them on my credit report. Thank you
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Updated Credit Report Status Query
Hey All, Unsure if anyone can provide advice, so recently been checking credit report (mainly for the encouragement of seeing balances drop whilst i am paying down debt) and for as far back as report goes (early 2014) one creditor marked report as late payment. This has never defaulted and no payments have been made…
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Equifax- address not on database
Hey, First time poster, apologies if this has been discussed before. I'm in the process of buying a shared ownership flat. My broker's preferred lender only recognises Equifax credit reports. Problem is, my current address (a flat) doesn't appear on their database. Frustratingly, every other flat in my building appears on…
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Is Husbands debt impacting my credit rating, complicated, mental health issues, help please
Hello first post so please be kind. It’s a complicated situation but I’ll try and get the main points across. A year ago my husband had a mental breakdown and was sectioned for a period of time. During this time he was diagnosed as being bipolar as well as some other mental health issues. It also came to light that he was…
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Collections and credit score
Hey I had an unpaid parking fine which I didn't know about, it's gone to collections. I'm going to pay and appeal later, it's for £140. Is this going to affect my credit score and if so will it impinge on my chance for buying a house in a few months with my partner Thanks
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Omni capital still threatening to charge me if I don't settle balance for blinds I never received!
I purchased shutter blinds last year and agreed to pay the outstanding amount via 0% finance plan. I paid this up at £195 every month from last October with the blinds only being delivered in February. The blinds were partly fitted but only half arrived. We complained at the time to the city blinds and told them to remove…
