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Interest free Coronadrafts and their effect on credit ratings
I've done a search and found lots of similar discussions on the Corona payment holidays for mortgages, but I wondered what we thought the effect of applying for the 3 months interest free overdraft on a current account might be on credit ratings? It seemed to me that an interest free overdraft is a much lesser sin than…
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Question regarding Arnold Clark Finance
Hey,Back in July I applied for car finance at an Arnold Clark dealership. I'm young so the the first application was with a guarantor and that was declined. However, the second application (for the same car) without a guarantor was somehow approved and I received the Arnold Clark order pack through outlining the monthly…
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Can’t join the Credit Club
I’ve tried to join the Credit Club but it says Experian can’t identify me. I can log in to Experian directly though - and the details I’m giving are the same. Any ideas?
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Incorrect Default - Can I get compensation?
I am currently going through a long-winded remortgage process which started back in March 2020. I was initially declined by both Santander and Lloyds, despite having good credit history. Upon investigation (ordered credit reports from Equifax and Experian), I found I had a default for £196 from BT - registered in October…
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Guarantor query for rental property
I can’t seem to find the answer anywhere and estate agents avoid really looking into it. I have been asked to be a guarantor for my sister so she can RENT a flat, no loan or mortgage. I plan on applying for my first ever mortgage in the New Year and need to know if this will affect my application if i agree. The estate…
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Unknown “Specialist lending” direct debit
Hi all I’m a new member and couldn’t find anything using the search function. I’ve had an unknown direct debit and called the company (a mortgage company) who said it was not connected to them. I stopped it via my bank but it’s now showing on my credit file. Does anyone have any experience with this? Any advice would be…
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When the lender causes a default
Approximately 3 years ago, Capital One caused me to default on payments. I sent the money on time and greater than the minimum amount required. At Capital One, the money was paid into the wrong account, which could not accept the payment. The money was returned by Capital One as a BACS payment. When alerted to the error,…
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Council tax and electoral roll. Are they linked?
Ok so I want to apply for a mortgage (first time buyer) and I have good credit rating as per the credit file however I'm not on the electoral roll. Now for me to get a mortgage I have to be on the electoral roll but I'm slightly concerned about the council tax as I will need to register at my parents home address as all of…
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Cabot claiming debt repayment - want to understand options
Hi all, About 3 months ago I started to get letters from cabot about a debt I apparently had from Black Horse in 2003, that I didn't recognise. So I choice to ignore it as spam (note here I did have some money problem back then - but I don't remember this... long time ago) Then I had a letter and an attempted visit from a…
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Moved: CCJ has been entered against me without my knowledge
This discussion has been moved.
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Experian - really slow to update
Has anybody had experience of this? I had a loan, which I paid off completely in August but Experian still has the balance from June? Clearscore and Credit Karma were updated relatively quickly so my understanding would be that the lender has updated the CRA's, is contacting experian worth it to see if they can update?
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PPI claim company threatening to damage credit rating, help!
hello, one of my family members used hidenda for a PPI check thinking there was no chance he was due any money from anyone, it infact turned out he was due a PPI refund which has subsequently been paid to him, hidenda have been chasing him for their "fee" for the last 5 or 6 months, it went quiet for a while but today he…
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Company loan, but personal credit search on director?
My limited company bought something on finance - but I've just seen that they performed a personal hard credit search on one of the directors. Is that something normal or can I can dispute it? Thank you.
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Council claiming credit agency shows someone else at my address
Hello, can someone who knows how credit referencing agencies work help? My understanding from searching online is that only a person can be searched, not an address. However my local council are claiming that another person also is using my address which they have found using a credit search. They have done this to attempt…
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Do repeated mortgage applications affect credit score?
We are currently looking to sell our house and buy a larger place, we received a mortgage in principal from our current mortgage provider (Halifax) but this expires this week and needs to be renewed. We spoke to the main Halifax mortgage department and the person was struggling to help us and said this was being declined…
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Barclaycard ridiculously slow at updating Experian
Has anybody else had this problem? My barclaycard has not updated on Experian or Equifax since July yet it has on creditkarma?? Barclaycard are blaming the CRA's and they are blaming Barclaycard. Beginning to get sick of this now and the covid excuse is getting boring, its October and has not been updated since July. It is…
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DMP full & final settlement
Myself and my husband have been in a dmp for almost 6 years and have just over £7000 left to pay. We’re now in a position where we could clear this in full but it would leave us with very little so I’m looking into offering settlement figures. All of our accounts defaulted fairly early on and will drop off our records in…
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Credit Karma and Pay360
I joined up for a free account for Noddle and paid account for Experian (4 months paid, free one after), about 2 years ago, when one of my work colleagues had her identity stolen. I've not logged on for over a year but did log on today. I've seen that Credit Karma have done soft searches on me about once very 3 months. I…
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Mortgage paid off/Sold house
Evening, I recently sold my house and as the process goes my mortgage was paid off with the proceeds from the sale, my credit report has updated on Clearscore and it’s still got my mortgage on there with £122 left on it should I be worried it still has that and contact them or or wait another month and it should clear…
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Should I extend or reduce my credit?
Hi all! Look for advice in credit in two parts: PART ONE: I have a Capital credit card (for people with bad credit ratings) currently spending strictly no more than 25% each month and paying it off in plenty of time in order to gradually help my credit rating. They have now given me the option to extend my credit from £750…
