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Business back account declined
I have had various applications for a business bank account declined I have a profitable business with a credit score of 69 on credit safe and 6 on Experian (no idea why so low) no adverse credit on the business but I am 1 year into a personal IVA. I need a BBL but can't even apply as i bank with tide HELP
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compensation for incorrect missed payments on credit file
Hi all, first post here sorry for the long write up I'm after some advice on what people think of my situation. in October 2019 i consolidated some debt with a loan (which was supposed to be temporary) which included paying off a Barclaycard credit card. During the phone call the adviser said i was clear to cancel my DD…
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credit rating - changing address/electoral roll too often
Hi, Due to personal circumstances I have kept my bank details at my parents' address for the past 6 years, despite not living there. Previously I was registered to vote in a different borough due to having no fixed abode. I'm starting to think about buying a house and have just registered to vote at my parents, as that's…
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Arrers credit file
One thing I don’t understand on credit file, is say you miss payments for 4 months on a loan , every month this should show missed, until you clear the arrears. What if you then still pay your Monthley payments but don’t clear the arrears should this show Monthly payments made What if you continue missing the payments…
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MSE Credit Club Experian Query
I am checking my credit club and Experian details as I am on a DMP which ends next year. 4 accounts are listed as default/ended. By my records I have 1 default outstanding which should drop off on 29 Nov. I also have a CCJ which accounts for 1 of the others. The other 2 showing as default/ended by my records should have…
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Credit Score farce
Firstly from the off, I know that credit score is a bit of a joke and lenders don't care about it anyway. On a personal level I don't care what my credit score is. I am in the forfunate position of now being long term debt free. I have a single credit card which is paid off in full each month and is there for the points…
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CREDIT CHECKS WHEN BUYING A PROPERTY
IM A BIT NAIVE, SO ... IF IM BUYING A PROPERTY OUTRIGHT IN A LUMP SUM WITH INHERITANCE MONEY FROM MY PARENTS, AND WITH NO MORTGAGE NECESSARY ... DOES A CREDIT CHECK STILL HAVE TO BE DONE BY THE AGENT ? I KNOW IT'S USUALLY FOR LOANS. WHAT ABOUT PAYMENT OF HOUSEHOLD BILLS, DIRECT DEBITS etc. ? DO UTILITY COMPANIES HAVE TO…
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Vodafone Credit File Reporting
I had a phone contract with Vodafone which ended 2 years ago. However they are still reporting as up-to date with the credit reference agencies. Should I leave it be or let them know.
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Capital One Woes
Hello A few weeks ago someone I know applied for a Capital One Card. They were instantly accepted, signed the agreement online and they said in 10 days you'll get the card, etc. 2 weeks went and nothing, they left it due to the post issue and waited it out. Yesterday they received a signed agreement, with a letter stating…
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Close old bank accounts?
As a result of taking advantage of offers I've got about 14 bank accounts. I've not closed the ones I don't use because I've heard credit score agengies look at you average bank account length, is this true and if so is it a big impact? Thanks,
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rejected for Credit
hey I was wanting to refinance my car loan as the APR is crazy but no where will look at me and I wanted your advice I earn £35k a year and was wanting to get a loan for £8k to pay back my car loan and my brother for my moving costs he lent me. the outstanding debt I have is car finance £7811- if i were to ask for a…
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Direct debit and credit history
If I set up direct debit for my rent payments will that build my credit history?
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Credit application timing
Hi there, I have just paid off some debts (credit card, overdraft). If I apply for new credit now (car finance) will the credit check "see" that my debts are paid off or is there some period of time I should be waiting before applying? Thanks, Greg
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PayPal Credit Dispute
Hi all, You might remember the RyanAir saga when flights were cancelled during lockdown #1. Customers were forced to request a refund, enduring very long call waiting times to do so. Even after that was done,, and the request was acknowledged, RyanAir, in fact, eventually provided a voucher, which could be redeemed against…
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Moved: Loan terms
This discussion has been moved.
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Account Closure and Cifas marker
Hope this thread finds everyone well and safe. NatWest has issued a 60 days' notice of account closure to me (dated 12 Nov). I had a joint account with my partner and one sole fundamental account. Both were notified to be closed in 60 days, but my partner's sole accounts are safe. Currently, all my accounts are still…
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Internal credit scores with banks namely nationwide
Just wondered if having a large amount in a current account would raise your score if say for 3-6 months you had a balance of 6 grand plus... I know direct debits count towards it but what about having funds in the account? Any persons here have any knowledge of internal bank scoring? Especially Nationwide. Thanks folks…
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Closed accounts on credit file
Recently I moved into a property and decided to open up an account with the energy company which was left supplying the property. I actually found out that I could get cheaper rates of gas and electric from my old company so I changed my mind and I stuck with them. I phoned the old energy company already in the property…
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Yorkshire Banks Credit File Entry
Got a strange one for you. I closed a Yorkshire Bank current account in 2015 but a recent review of my credit files (Experian, Clear Score, Totally Money) shows the account still active and open with a £0 balance. I've contacted Yorkshire Bank and they have no accounts on record for me therefore, as far as they're…
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Old CCJ advice
Hello, I am looking for some advice please. I split from my ex-partner in 2011 and after I found out he had taken a lot of debt out in my name, around £30,000 and so I opted to go bankrupt and have a clean break. My bankruptcy has now dropped off my credit file as 6 years have passed but I have just applied for a new job…
