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I got a Loans2go loan that has defaulted and need advice.
Hi guys. I have a really bad credit rating and was desperate for cash last year and stupidly got a loans2go loan. Borrow 1k and pay back over 4k. I defaulted on it because I became stressed about the payments and the predatory behaviour of the company. I contacted them to ask if I could make a 1 of payment and offered them…
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To remove CCJ
There used to be an address you email to get your ccj removed once it's out of date. Does anyone remember it? Or like if a bulls been due and it's been 6years since so you can get it wiped. Anyone remember it? I've done it before but years ago! Thanks
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Secret debt, DAS and future mortgage(?)
Hi, This is my first thread but I have heard that this is a great forum for advice so I am hoping someone can help. My wife got herself over £20,000 in debt over the course of the past few years. I knew nothing about it until we went for a mortgage meeting and it was declined. She entered into a DAS which again she didnt…
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Natwest - Which Credit Reference Agency?
Does anyone know which credit reference agency Natwest use from a mortgage perspective? Concerned that wit Experian I have a score of 970 Excellent but with Equifax I have a score of 395 Fair!
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Moving into a new house share Credit check by landlord
Hello, Just in the initial stage of about to sign a tenancy agreement, provide employment proofs etc to the landlord, he mentioned a credit check which got me wondering.I was always under the impression a credit check is for credit and my credit report mentions nothing of rental payments ever, I know there is identity…
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+19 points from Dormant Acount.
Nice to see +19 points via clear score, which redirects to closed unused for some years hbos account. Continuing to enjoy using various cra scores a guide to view increases as final dmp year approaches. Is this unused account only reason +19 points. I've had to save a few pounds by reducing some credit card DD's not quite…
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Score dropped from 950 to 550
Hello, I just need some advice on what to do - I had an old account with Studio that I hadn't used for 3+ years and it got hacked in April 2020, the hacker bought an item on my card which was then sent to my house and then subsequently returned. Studio closed my account and dealt with it and I thought it was all over. I…
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CCJ help
I have absolutely zero clue when it comes to ccjs. Recently did a credit check to find 2 ccjs in my name.. neither experian or clear score give much info on them. Now here's the thing, and it may sound stupid, but how do I know if I have paid them? If I haven't, then how do I go about it? I'm pretty sure I would have but…
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Someone opened a catalogue account in my name and has defaulted
hi, wonder if anyone has any advice? I just checked my credit score with Clear Score for the first time with a view of getting a mortgage in the next 12 months. Although the score is pretty good I noticed that the only thing bringing it down was a default on an account. Apparently a Next Directory account was opened from…
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Closed electoral register
I’ve applied for a very (shop direct) account and they tell me I’m not on the electoral register. I’ve contracted my local council and they’ve said I am on it, but the opted out version. I’ve never had this issue before when applying for credit. Do very use a different method?
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Advice needed RE credit card closure/credit report
Hi Guys Due to my limited credit history I applied for my first credit card last year (Barclaycard Forward) and was accepted with a small limit of 200 which has since risen to 650. A short time after I was accepted for a capital one classic (£200) Vanquis (250) and an aqua (300) I just applied for an MBNA dual offer card…
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Default & Affordability Complaint Question - Car Finance (HELP PLEASE)
In 2012 at the ripe ol’ age of 19, I took out car finance (hire purchase). At the time I was on a tiny salary of £13,000 and already living in my overdraft (£1800 + each month). The salesperson at the car dealership said not to worry about bad credit, he would still get me a car but the interest rate would be high. So…
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Barclays CIFAS Marker- Urgent advice nesded
Hi, I need urgent advice to remove Barclays CIFAS marker on my credit file. I have always used my personal account for my Limited company through Barclays, simply becauae they will not open a business account for me. I run an.accountancy and tax business. Recently, a CIFAS marker was placed on my personal file because they…
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Default dispute
Hi, Looking for some advice please. My partner had a sofa on finance , the payments were very small and therefore not noticed as much when the money was taken . Then we moved and completely forgot to notify the company of change of address. We made a few changes to the way we were paying bills so the account didn't have…
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Telecom debt
hi there I have a telecom debt on my file , There is 2 similar debts . My question is the debt reads as : UPDATED11th Jun 2018OPENED4th Oct 2012 what does this update mean ? And how do I contact this said company to try sorry this debt out it’s 8 years old and lots off issues have past so I don’t know who it’s with ...…
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Credit Score showing wrong information
I've been desperately trying to build my credit score, and I've recently realised that my details haven't updated. It's not showing my new address, any of my current or savings accounts and any credit or utility accounts I have. It says these things automatically update when they receive the information from the…
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Credit score improvement
Hello, I have a very poor credit score and I am working on improving it. I havent had a missed payment in around a year and a half which is a step in the right direction. I have 3 credit cards. Vanquis, Aqua and Capital One. All are close to the credit limit which I understand is a negative in 'credit utilization'. I have…
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Score has gone from 900 to 270
The last time I checked my credit score (2 years ago) it was over 900. I have recently taken out a mortgage 3x the size of my previous mortgage. I have checked clearscore for the first time today and it's giving me 270! I feel like something is wrong. Everything says on track and there are no late payments ever. It says my…
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Car insurance appearing on credit report
I have admiral car insurance and it is showing as loan on my report. My wife's with direct line and hers is not showing up on her report. Both pay monthly. Any reason why?
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Halifax mortgage application process
I’m just looking for abit of advice from anyone in a similar situation. im a ftb hopefully purchasing a shared equity property 50% share. I had my AIP and then my Halifax mortgage application was submitted yesterday, I’ve had two hard checks and one soft affordability check. my credit rating has a satisfied default from 5…
