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Credit history updated overnight
So my credit report has updated overnight with my mortgage payment history changing from ranging from 1 to 6, down to 1 to 3. Barclays have amended this as COVID mortgage holiday payments had shown as arrears i itially. I’m hoping this will help when I speak to my MA tomorrow. Anybody and experience as to if it will help…
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About Virgin Media credit agreement
Good Morning, Does Virgin Media report monthly credit agreement payments to agencies? Because it could help me build my credit history. Thank you.
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Making a second mortgage application in a short space of time
I recently applied for a mortgage, but the sale fell through before the application was accepted (the lender had done a hard credit search) . As the mortgage product has been removed the lender won't transfer the rate it to a new property and the new rates are very uncompetitive. This means I will need to apply for a…
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Closing my credit card accounts
Hi MSE community. I have a 5 credit cards with a combined limit of about £50,000. I only use one that gets paid off in full monthly so total balance is generally about £2000. With this in mind, should I close the other accounts or is it good to have it available and a low credit utilisation? Thank you, Josh
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Removing default - Welsh water
In short, I had a default on SAT 8/10/2016 with Welsh Water, which was passed to Moorcroft Collection, I paid in full on Tuesday 11/102016. I was sufferring with mental health issues at the time. I have tried to ask for Welsh water to remove the default due to mitigating circumstances, Mental Health and the affect it is…
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Moved: Help???
This discussion has been moved.
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P45 problem
Hi there I've started a new job and my P45 stated that I have to pay off a student loan and I'm being deducted but I've never had one. No idea how to resolve this and payroll are not helping. Who / what do I need to do??
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Tenants and Fraud on my profile
Hi All. Sitiation With CORONA, I temporarily relocated from my property in Bradford to my partner's property down south. Whilst my flat was empty, I emptied it and got it ready for rent. I had some new tenants move in to my flat mid Sept as they were desperate for accommodation and nothing was available during COVID. The…
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Explanation on this...?
Evening Would someone be able to help me with the attached screenshots please?! Equifax file. On one hand it states no defaults, further down the page it lists a default that hasn't been updated since April...... But on the payment history it shows as no missed payments since Dec 14. Experian report shows nothing at all.…
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Landmark unsecured credit file reporting
Hi there, I am having a bad day today, any help to understand this would be good. See pic...I’ve not missed any payments, long call with Landmark yesterday and it seems I have broken the agreement made through the DMP by missing another payment. £250 was sent by Step Change on 05/11 but Landmark phoned me last night to say…
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Linked Address
Hi, I was just wondering if anyone would be able to give me any advice or has faced a similar situation. I applied to rent a house this month. However when they got back to me I'd failed the credit checks. They said I had a CCJ on my file. This took me by surprise as I was completely unaware of this. So I checked Experian…
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Non-UK national trying to check credit rating
My wife (a non-UK national) tried to register with the Credit Club, however she could not get through the identification checks, presumably because she has not lived here long enough. She moved here in 2018. Prior to this she studied here in 2014, and again in 2016. Is there any way that she can check her credit rating?
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Student loans company to register a default
Hi I graduated in 2000 and although I always worked I deferred repayments due to low income . two years ago I moved and messed up my deferement. Then I sent the paperwork and they said it was incomplete . Since then the loan agreement got cancelled amd I was asked to repay the full amount in one lump sum I couldn’t afford…
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Never had any credit accounts - credit rating showing as Fair
Hi,I am 21 years old and never had any credit accounts. My score is showing as fair and yet I can't get credit for even a mobile phone never mind a credit card or loan. I have a regular wage going into my bacnk weekly of around £400 and yet my bank says i am not eligable for a credit card, loan or overdraft either.Does…
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Is it better to close down old credit cards not being used
I play the "balance transfer" credit card game!So much so that I have about 6 credit cards "open" with now a zero balance on them, as I have used and abused them and now balance transferred elsewhere.These "previous" cards have got about £40,000 credit allowance on them between them all and my one with Tesco is about…
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Mortgage with 2-3 year old defaults?????
Hi, can someone give me some advice on whether you think I have any chance of getting a mortgage with a number of defaulted closed accounts? Please note that all defaults are now fully paid off. I have managed to save up a good deposit and would like to buy my first home within the next 6 months. I am really scared and…
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Numerous rejections for current accounts despite excellent credit score!! Unsure why
Hey Forum, I have had this frustrating issue
for the past few years of trying to open a current account and a credit card
accounts only to be rejected despite having an excellent credit score with Experian.
I am thinking of getting a mortgage with my boyfriend and I fear there is going
to be another rejection. Any…
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CIFAS marker
This discussion was created from comments split from: Just removed CIFAS MARKER, am I in the clear to make a new account?.
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Credit Default Date
I had a loan with Lending stream and should have had a default marked on my file in 2013 now having paid the loan off in 2017 they are stating that on my file. I’m currently trying to get a mortage with my partner and they are refusing to rectify this. As the loan went unpaid from 2013-2017 it should have been defaulted…
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Debt Free!!! And further advice
Hi, I'm absolutely delighted to say that I am debt free. Its been long and at times painful but I'm there. Many thanks for previous advice to help me get here. I have question now though: I now have no credit accounts with any balance on. As such, what do I do with my 5 credit cards? My understanding is that I need to use…
