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Payment plan showing as default letter
Last year I was struggling due to being underpaid at work. I missed two payments with Tesco and 4 months later (I was paying on time and over the min) they suggested a payment plan. The payment plan was for over the minimum and I agreed. Tesco has put this on my credit file as default. I am going to write to them to and…
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CCJ Expiry
Looking for some advice. I have been living abroad and returned to the UK to find I had a CCJ against my name for a debt I had forgotten to pay before I left. Since my return it has passed the 6 year period for it to stay on my credit file. The debt has been increased by a substantial amount due to adding fees etc. Is the…
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CCJ address issues
Hi There, In my irresponsible student days I took out an account with Very, that was registered to my parents house, finished uni, moved in with a boyfriend and never finished paying the debt (£500ish). My intention was never to leave it unpaid, I had that many store cards etc, I didn't keep track of everything. Anyway, I…
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Missed payment appeared on my credit file 4 years after the fact
I am going through a mortgage application process at the moment (it was accepted in June but due to poor conveyancer service it will now complete August 10th) so have checked my credit file thoroughly and often when suddenly, yesterday, a missed payment notification appeared on my credit file. It was from Anglian Water in…
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When the financial association passes away
Hello all, When a person listed as a financial association on the credit file dies, do they automatically get removed from my credit file, or does this have to be requested?
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Credit File - Bankrupt - 10+ years later
Hey guys, I owed around £10,000 and went bankrupt, when I was 28. I am now 39. Up until being 32 I couldn't even open a bank account, eventually I got one with Santander, and it took a further year for me to get a debit card with them as they initially refused. I never checked my credit rating, but applied for a car after…
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Credit rating
Hi can anyone tell me why my credit rating has dropped every month since the COVID 19 outbreak even though I continue to make my monthly payments and have not applied for any credit or products?
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MINI PCP acceptance likely?
hi all, new here but just wanted to double check if anyone had any idea of how likely I’d be to be accepted for pcp on a new Mini Countryman I’ve applied for After a £3000 deposit and £2300 dealer discount, the price is £24000 with a guaranteed future value of £9200 according to my quote. I’ve been quoted 48 months…
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How much impact does an energy account have?
Hey folks. I'm with Bulb energy, who don't currently report to the CRA's, No reason to switch at the moment, seems cheap and does the job but I was wondering ... It is worth switching supplier to a (perhaps slightly more expensive) company that does report so that I can get the positive markers on my file, or would it not…
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Self Employed - Great Credit score but no earnings for last 4 months due to Covi
Hi - I normally have a great credit score well above average - Im in Travel and self employed and haven't earnt anything for May-July - I have in that time received £4k self employed grant and about £50k tax free cash from pension (I turned 55 in April) - I have £10k+ available on credit cards with not a penny used - Im…
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hard search done on credit score with getting a mortgage, even though we cant go ahead as on furloug
HiMe and my partner are trying to get a mortgage but struggled as im on furlough and working for an airline. We had managed to get an agreement in principle but i still have to send lots of documents and was the condition of me not being on furlough. Unfortunately my work have messed me around saying im not on furlough, i…
