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Does using and obviously paying in full a credit card really boost your score ?
Mine is fair at the moment so I applied for a Marble card and they’ve given me a £600 limit which I think I read is good because over £500 is a good sign of being trusted. I spend about £600 a month on food shopping so should I put everything on there and pay it off in full to boost my score in time to apply for a mortgage…
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Moorcroft letter
Hi all, First post on here so I apologise if it’s placed incorrectly within the forum. In March of this year my partner and I purchased a new build property. As with most developers they use British Gas for electricity & gas. As you can imagine when we moved in it was just as the UK went into lockdown, so we were unable to…
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BT Default on Experian but not on Equifax
I have a British Telecommunications PLC default on my Experian Credit Report I know nothing about I had an account with them from 2016 to 2018 when I changed from BT back to Sky due to the internet keeping dropping out. When I closed my BT account there was nothing…
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Klarna - issue coming up in hard searches
My credit file is showing a hard search which is effecting my credit file. Klarna is not meant to conduct hard searches for lending/ pay later options. According to their customer's services it is sn issue their end. I have raised a complaint. However, it is now effecting my lending i.e. I can not use Klarna at all now and…
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Default and company gone into administration
In 2015 I defaulted on a wageday advance payday loan. This is due to drop off my credit report In sep 2021. I am hoping to apply for a mortgage before September. Wageday advance went into administration for claims for irresponsible lending , which I was a victim off. My understanding would be that if they have lent to me…
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credit rating ex but no credit
Hi Need some help/advice, I have checked with all the credit reference agencies and have a excellent rating on all but cannot get credit anywhere. I notice that there was a slight difference in address from one to another (this is not real address but an example -this would be correct - 564 jordan house, 254 gents street…
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Really perculiar situation.
Hi, thanks for coming to the forum, any help would be greatful. So I had an accident a few years ago, and it was made worse by the surgeon who didn’t know what he was doing. Long story short I’ve had 8 surgeries and as a result have lost out on a lot of earnings, and ended up falling behind with my bills. To conquer this I…
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Moved: Advice please
This discussion has been moved.
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Credit File Dispute Marker
I disputed an account on my Equifax file that had been re-added after it had dropped off after the 6 year default period. Equifax added a notice of dispute message to my credit file supposedly warning possible future creditors that my file is not correct due to a dispute. The disputed account has now been removed but this…
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Credit Club says DTI high
According to Credit Club I have a high DTI. As I understand this is based on min payments for credit cards and loan and mortgage repayments. On that basis mine is 36% which doesn't seem to be particularly high, however I rent so do I need to include that? Also do I need to include other payments like mobile and cable TV…
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northumbrian water not on file
hi all, 1st posting i lost my previous acc under same name anyway, been a great reading this forum and thank you all ive looked at my free file and its really is perfect not 1 late payment defaults etc etc credit avail 25k debit on freecard 3.5 will be paid off by xmas and all closed accounts paid and excellent only thing…
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Defaulted on an car payment unknowingly
Evening all, I financed a Hyundai through my local dealership on a 4 Year deal. The two year mark was reached in Feb this year, we decided to voluntarily terminate the agreement, they collected the car, no additional charges and there was a balance of £1000.00 to pay. Santander contacted us to make the final payment and…
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n443 form - where to send?
st katherines house, northants address right? thanks in advance
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AP on Experian
I just got my credit reports from Experian and Equifax. On the former my score is “Very Poor” and on the latter it’s “Excellent”. It appears that I have had an AP marker (?) against an old Barclays account for 3 years. I had no recollection of this but the bank contacted me recently to say that the account was in default…
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Where does a promotional rate show on your credit report?
Hi all. Long time lurker, occasional commenter and first time poster! I've read on here a few times that when you have a promotional rate on a card (0% APR) it flags this under the account on your credit report. I've looked at all three of my reports and can't see the 0% rate reflected anywhere. Is this normal? I don't…
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worried national insurance number
I've sent my sick note to a wrong email address that has my full name and national insurance number/Phone number on it,Is it possible that can gain anything from this?
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Debt collectors
Hi Vodafone have sent me to the debt collectors for a 'non paid ' bill. This should not have happened as subscription was cancelled with no fees. This is not my fault and now today after months has finally been sorted but will this affect my credit rating and score. Extremely unhappy
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Clearing up my credit file
My partner and I have managed our finances badly for years. We have been guilty of ignoring things, and overspending. Our debt in £ not terms isn’t a huge amount, excluding car finance we’re talking low thousands, we earn £28k and £43k. i have looked at both of our credit file son totally money. We want to be able to save…
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Shop Direct and Lowell both show same debt on credit report.
Hi On my credit report I have 2 defaults from Shop Direct and Lowell for the same debt. I’ve nearly cleared the debt now and this shows on the Lowell default but the Shop Direct account shows the full debt. I also believe the date of the default is about a year to late. However, I’m having trouble with Very has I have…
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Shutting credit cards to improve score?
Currently trying to get a mortgage and my broker has said i should consider shutting my £10k credit card because I don;t use it and that closing will increase my score. Is this true? I keep reading conflicting things on this - shutting means less credit availability so it makes me safer, but keeping it open shows lenders…
