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EON ON MY REPORT... NO ACTIVE ACCOUNT 🙄
Hey All, Looking to buy a house with my partner within the next year. Thought I would check out the credit report with ClearScore and noticed it had plummeted! Showing several missef payments to EON... I haven't used them for 2 years and had no outstanding money. I have contacted them and Equifax saying its an error.…
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Arrears / late payment - United Utilities !!!!!! up
Hi all, Some help required please, appreciate any feedback, and thank you in advance. I checked my credit score/file y'day and found that i was in £2.5K arrears with United Utilities and have a missed payment for September to them (i dont even have an account with them and have never missed a payment when i did have one…
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Should I cancel an unused credit card?
I have just shifted via a balance transfer a balance off a credit card for 0% interest for a while. I don't plan to use the card that now has a zero balance so my question is.....to improve my credit score am I best to cancel the card or keep it dormant?
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Voluntary termination
I need some help!! I have recently applied for a remortgage only to have it declined because of a default put on my credit report by santander for a voluntary termination on a PCP 13 months ago which santander never informed me of!, apart from this default my credit report is flawless. At the time the VT was accepted a…
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Unpaid tenants energy bill
Long story short. Tenants left the property without paying last 2 months of their bills. In the aftermath they told EON they left in September when in fact it was end of November. They left without checkout inventory and without paying for the last month rent, so their deposit went to cover the rent. I have text messages,…
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Will paying a default positively impact my credit score?
I can't seem to get a straight answer from Google... I have a default that's around 4 years old. If I pay it off, will my credit rating be much better/look more favourable to mortgage providers? Or should I just wait another two years for it to drop off?
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Credit score and letting referencing
Hi all, first post here so please go gentle on me 😁 I am looking to move house into a new letting soon, I have been in the same house as a private tenant (dealing directly with the house owner) for 8 years. About 4 years ago I ran into financial trouble and was struggling to make ends meet, as a result of this my credit…
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Pay off Debt Mgmt Plan before mortgage - or not?
Hoping someone can give us some advice. I have a debt management plan covering around £10000 due to run for another 5 years however I may be in the position to be able pay off shortly. We are hoping to then save for a deposit for a mortgage. I’m hearing mixed advice over wether to pay off the DMP or wether to use the 10k…
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Default Notice BT - Help needed!
Hi, I have just discovered that I have a default notice on my credit report for an account that I closed in 2015. At the time I was moving to France and had to pay in the region of £250 to BT as I still had a number of months on my contract. I remember at the time specifically requesting a final figure and didn't think…
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How to swap my Bad Credit Cards to new ones with decent APR and fee terms?
Hi,Over the last years, I managed to shake off my bad credit rating. However, I have multiple credit cards (bad credit) with unfavourable APR and fee terms currently. I would like to slowly swap these out with credit cards with 0% purchase for X months and lower APR afterwards (simply, cards for good credit rating…
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Creation Consumer finance - Credit dispute Help needed
Hi Guys - I need some advise/suggestion. I have read some past thread on how people have been victim with Creation Consumer finance and now I am on of them. I had a direct debit with them for 52 pounds a month for a Sofa I purchased through DFS. They had been deducting each month for a year but somehow in Sept 2018 for…
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Marker on account
Ive been with HSBC 26 years had mortgage with them 22 years have various accounts all well in credit. A few years ago i applied for a loan and it was refused and was told i couldnt have any new products because of a credit card issue about 12 years ago. It seemed strange at the time and got loan from else where and when i…
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Refused Pre Approved Credit Card
Hi there, l’m a bit confused as to why l have just had a credit card refusal from Virgin, despite having the maximum Experian credit score and it saying l was pre approved. Can anyone tell me why or had a similar experience? It means l’ve wasted a hard search in my credit file. Thanks Chris
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Experian credit report
What’s the best way to check your Experian credit report? I found going to Experian directly you have to wait for a security code which they send in the post. I want something where I can access my credit report straight away. I use credit karma for Transunion so recommendations for something similar for Experian would be…
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Authorised signatory credit check business bank account
Does anyone know whether adding another authorised signatory to a business bank account will be rejected if they have a poor credit rating before we complete paperwork?
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Home insurance listed as an unsecured loan
I recently renewed my home insurance. I noticed on my credit report that it was listed as an unsecured loan. Also accompanied by the message “a new account has been opened” I wouldn’t of thought home insurance was an unsecured loan as I’ve never received the money they have added to the loan. is this correct? Any advice is…
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Error TransUnion / Credit Karma - won’t remove
Hello, I’m new here. I’m looking for any kind of advice or support. Basically there is an incorrect alias on my credit report on my Credit Karma account. It says the alias was reported by O2 in 2010. Say my name is Jill Smith, it says I’m also known as Jill Brown. I’m not, and never have been! I clicked the little raise…
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CCJ without due process. What now?
I found a CCJ on my credit file on applying for a mortgage. Long story short, I (apparently) hadn't paid enough for car parking in a private car park but as all documentation was sent to an old address, I knew nothing about it until I discovered the CCJ. I panicked and paid £250 to the company who filed the order to…
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Best way to rebuild credit file
Hi there I have a couple of defaults on my credit report that are dated January 2019 and have both been paid off in full. I'm aware that they will sit on on my records for six years and that's something that I just need to suck up. My husband and I were turned down for a mortgage a couple of months ago. We were advised by…
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Expired CCJ BW Legal Back Again
Hi, I've searched online but simply cannot find an answer. A CCJ has recently dropped off my file, I had been paying £10 a month for a debt over £1000. I cancelled the DD when it dropped off thinking that was that. Now I've recently been contacted by BW Legal again saying I still owe approximately £400 and that my payment…
