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Lloyd’s default advice
Hello, I am looking for some advice on a default registered on my credit file from 2017 from a Lloyd’s planned overdraft of £1500. When I went to university I applied with Lloyd’s for a student overdraft, after 3 years of university it changed to a graduate account. I did not manage to graduate with a full degree only a…
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Checkmyfile
Does anyone know if checkmyfile has a specific date that it updates each month? My file is showing September updated but nothing for October yet.
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Can't log in to Clearscore
Anyone else having any trouble? I click on the 'Log In' button in the top right but the site just does nothing. None of the menu links work, and I have even tried the Log In in the footer, but nothing happens, none of those links work either. I have cleared cookies and cache and whatnot
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CCJ still showing as active on credit file
Looking for some advice if possible please, I've sorted my finances out I've the last 12 months or so, most recently, I cleared an outstanding CCJ back in August, this now brings my total borrowing to £0, however, this is still showing as active rather than satisfied on my credit reports, is there anything I need to do to…
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Estate agent legal action for unpaid fee - will this affect credit file etc?
Hi,My partner lets out her home in East London and used a local estate agent to find the existing tenants last year. After the initial 1 year term was up, the tenants decided not to renew the tenancy and let it lapse to a statutory periodic tenancy (SPT). The agent she used is asking for a renewal fee to be paid. We are…
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Has anyone successfully had a CCJ removed by consent?
Hi all, I previously noticed a CCJ registered against me which I was not aware of at the time. I contacted the claimant and informed them that I had not received any paperwork regarding the CCJ before it appeared on my credit file, which I then found incidentally. After doing some research I have come across the process…
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British Gas Default Notice - Failure to Comply?
After a long few years of many stresses, I've just got round to check my credit file which i knew was going to be bad, but didn't know a default was on there from British Gas! I have contacted British Gas and filed a complaint on the basis of never having received the default notice, they replied quite quickly within 7…
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Help. Got refused a house because of credit reference
Hello. I've been declined the house we tried to rent today. Paid my holding fee, completed all documents correctly. Apparently I have a ccj, which because of past financial issues is true but I don't know much about it. I've checked on clear score and it was from 2018 and court was COUNTY COURT BUSINESS CEN. How do I…
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Credit rating ruined by mistake by Equifax
Hi, really hope that someone can give me some help or advice. I recently checked my credit rating, I'd been turned down on some soft checks for loans and couldn't work out why as my credit rating on Experian was pretty good. I checked on Equifax and found my rating to be poor as for some reason they said that I wasn't…
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Utility Bill credit file removal
Hello, In June 2019 I moved out of my flat, and went to live with friends temporarily. I then moved into a new flat in December. I paid my utility bills until the point I moved out and notified the providers. Thames Water has now listed a default on my credit file for 4 months at the start of this year for that property, I…
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Not reporting to credit agencies
Hi, I have recently been declined by a mortgage lender as Very ‘shop direct company’ have not been reporting any of my payments to the credit check agencies / bureaus! I was wondering if anyone else has experienced anything like this? I am up to date with my very account and do not owe anything, my payments are always on…
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British Gas Credit Report Issues
Afternoon MSE'ers! Need some advice if possible. I've been reviewing my credit report ahead of applying for a mortgage next year and found that I have an old BG account on there. I left them under a dark cloud in 2014 with a debt of £639 for gas and £80 for electric which were both at 6+ months in arrears. I moved to EDF…
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Removing default
Hi, I am looking for some help on what I can do to get a default removed. In January of 2019 I had 2 payday loans with Sunny. From what I was told by them they had mixed my account up with another customer who had gone into a IVA. I called up straight away it was rectified and I paid the loans back on time. In April 2019 I…
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Electoral Register Issues - Address not matching
Hello all, I moved to a new address in January this year. My various credit rating agencies were all saying the same thing, 'your not on the electoral register'. This was slightly baffling as registering myself on the electoral register was one of the first things I did when I moved into the property. At first I thought…
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Hughes rental
I have some items with Hughes rental and due to covid I have been unable to keep payments. I have made numerous arrangements I couldn't keep hoping to be back at work Now on universal credit They are now threatening court action. As anyone been through this. My items are essential items I'm wondering can they repossess…
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Universal credit and credit file search
Does anyone know if an application for Universal Credit attracts a credit file check? Thanks in advance
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Active (but cancelled) accounts on Clear Score
HiThis is a dumb question really...So I was having a look at my Clear Score account and looking at all my active accounts. A couple months ago I cancelled my BT Sports and Virgin Media accounts, paid them all off, in good standing order and no longer have either service nor pay or anything. Do these being shown as 'active'…
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ccj and reabilitation of offenders act
regarding car and house insurance , "have you ever been declaired banctupt (etc etc) or had a ccj 1: ccj in what time period? 2: HAD as in had , untill you realised you had a default one from the likes of a private patking co and aplied for a setaside in insurance terms does a setaside top "had"
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Sky Mobile
Any one know why sky mobile doesn’t appear on credit files. ?Thanks
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Keep paid off credit account open or close
Hi, In August, I purchased a laptop from Currys using 12 months interest-free YourPlan credit. I paid it all off at the weekend. I don't have any plans to purchase anything else from Currys and I want to improve my credit rating. Is it better to leave the account open to maintain my credit utilisation or to close it so I…