-
Credit Karma issues
I've been with credit karma for a few years. I've updated my new address in june through a dispute with transunion. It's been updated via transunion but not credit karma. They say it's an issue with their website. How long do they have to correct it before i make a compliant to the financial obadsman?
-
Mortgage Query
Hi I've just been turned down for an advance on my mortgage. I've requested credit files from various agencies and two of them don't have my mortgage showing. Any one know why this would be and how to rectify it. Thanks
-
Parking Eye CCJ unfairly on my credit score
It was bought to my attention that I have a CCJ on my credit score I wasn't even aware of or notified about. After applying for credit for a mattress this week and being declined I wondered why on earth that would be the case? I'm good with money with no debts and in the last 2 years I have even payed a mortgage off in…
-
Incorrect default Virgin not responding
So I have 1 defaulted account with Virgin media (was a mobile account), defaulted in 2018 but account was taken out in 2012 payments were stopped in 2012/2013. Second Virgin account hasn't been defaulted, taken out end of 2011, they just keep reporting 6 months late. Ive written and requested a copy for both accounts of a…
-
I don't know what to do
Hello, I turned 18 recently and accessed my credit file to find 4 accounts that don't belong to me so I had 1 x JD Williams, 1x Virgin Media and 2x Shop Direct. I contacted Virgin and got it removed quick with no hassle and wrote to JD William's they also removed it quick. But its Shop Direct, they are the worst people I…
-
Credit Building Apps - Any Good or a fad ?
I've seen a couple in the last few weeks. There's "Bits" and also "Portify". Both seem to operate under the same principle that they charge you a monthly fee for something like a "Virtual Credit Card" and then report it back to Credit References as you paying off your balance in full each month in order to increase your…
-
Late payment - bank refused dd
Hi I was two days late paying my aqua card. Have had a charge applied that they won’t remove, they said my direct debit was not approved. I queried with them and they said there was a late payment charge and it would be reported on my file as such. It was an honest mistake but a mistake all the same. Is there anything that…
-
Two defaults for same debt?
Hello everyone, Hopefully this isn't a stupid question. Over 2 years ago I defaulted on my Barclaycard. After a short period of a payment plan (via StepChange) with Barclaycard they passed my debt to a company called PRA Group. When I looked at my MSE Credit Club Credit Report today however I can see the debt recorded as 2…
-
Shared ownership
Hi, I am interested in the shared ownership scheme. I have a good credit score, even though I am in a debt management plan. I have never missed any payment my plan. I don't have any credit cards or loans. I meet all the S/I scheme requiment. Would you think I would still be eligible whilst in the DMP. Thanks
-
Credit card/bad credit score
So I have two credit cards - both maxed out. Anything I pay off on them covers the interest charges ie I pay off £200 but the interest charges are £180. On these two cards are debts of £16000 approx As a result of this I can't get a loan or another credit card. Just wondering what my options are to get out of this mess?
-
Bank Account / Current Account - showing 'late payments' on credit file
Hi there I have an old account from Bank of Ireland (UK- Northern Ireland) that for 8 weeks in 2017 was overdrawn by £4.46 (I didn't realise and whacked some £ into it when I got a letter letting me know to put it back into black). On the basis of that my credit report for that current account is showing as 3 months of…
-
Help I’m disabled and believe I’m a victim of identity theft
I as alerted to black marks on my credit fife by Credit Karma. I am disabled after having emergency surgery to my spine last year. On my credit file there is a new day card for Debenhams which I do not have and a new D card for Dorothy Perkins which I do not have. I do have a new D card from Amazon which I am fully aware…
-
Lender reporting different addresses to different CRA's
I applied for a loan in August. It was added to all three of my CRA files with correct information. A month later, the lender removed it from all my files then added it again. I've just noticed that they've re-added it with my old address, which I left in 2014. Very odd. I don't even think they asked for my old address…
-
Bad credit from Vodafone mistake!
I had a problem with Vodafone in 2015. Long story short i had a Ipad on a contract, it ended and instead of the monthly rolling contract carrying on i wanted to cancel it. Instead vodafone cancelled that and my mobile phone contract. This ended up with them issuing me with a roughly £500 early termination fee. I tried to…
-
Npower - CCJ has affected my mortgage application
Hi, Please could someone advise me on what to do and how to contact Npower about an issue with them that was back in 2015. Basically, I received a letter stating I had a credit of £133 from Npower. I thought great, however a few weeks later I received another letter saying I owed them £133. I called Npower asking why this…
-
Improve personal Credit Rating with Corporate Credit Cards
I am new to the UK so I have very little credit. I have a corporate AMEX with work that's in my name. I purchase with the AMEX, claim expenses, work sends money to my personal bank account, and then AMEX takes the money from my personal account. Can this corporate card card be mentioned in credit reports to improve my…
-
Exchange of information between HMRC and credit rating agencies
Can credit rating agencies obtain any information from HMRC?
-
Credit Score & Dormant Credit Card
HI, My credit score has dropped by 74 points today. (I am in the Very Poor category) I checked this via the MoneySavingExpert Credit Club tool. The only thing I can think of is that one credit card has been listed as Dormant. I have 3 credit cards, all of which are at £0 and I don't use. I've left them open for now to…
-
Credit file incorrect information
Hi, I have been working to improve my credit file which is taking time. But going through Equifax and Experian I see 2 major errors and on writing to the credit ref agencys they have said they can not help. The issues are as follows 1 : I moved into my current address Jan 2017 yet it shows on my credit file that I was only…
-
When is your credit file actually created?
Obviously you don't have a credit file when you're born but at some point down the line a credit file appears and from that moment on everything you do credit wise is tied to it, but where does it come from? Let's say a 20 year old has never had a bank account or any credit whatsoever, do they still have a credit file out…
