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Name change and Equifax
I’ve always had excellent credit score, I’ve not been refused credit when I’ve applied for it until earlier this year when applying for a bank loan (with the same bank that I’ve had a loan from in the past) which was refused. I legally changed my name about 2 years ago and equifax will not allow my new and previous names…
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Moved: Can I get this CCJ set aside?
This discussion has been moved.
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Credit score Fun.
Boost is exclusive to Experian and works by connecting your existing Experian account to your bank account(s) via Open Banking. This enables us to scan for any credit boosting behaviour. And don't worry, once you have securely signed into your bank's app or online banking site, your information is protected and we don't…
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Defaults years after moving
Good Afternoon All, First time poster, i hope someone can help! I have just been turned down for a mortgage due to having 2 defaults on my credit score. I didnt know they existed until around a week ago after looking at my credit score following the rejection. The two debts are from Northumbrian Water & NPower. They are…
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Moved: Payday loan - money boat
This discussion has been moved.
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Money boat
Can anyone help? I am wanting to know if money boat use Experian when you get a loan from them.
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Totallymoney vs MSE Credit Club
Which is better please?
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Very credit account confusion
Earlier I applied to upgrade my very cash account to a credit account. It all went through and I was told I had a £3000 limit and I received an email confirming this along with my credit agreement. My equifax account also states a hard search from shop direct. However, when I go to the checkout it shows PayPal,…
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Gresham on credit history
Hi all I have been looking at my credit history and have seen unsecured loan from gresham i believe it is from home insurance with barclays heres my problem its from 2012 when I was living with my ex and she dealt with all the finances my wages were paid into her account so all utilities and bills came from her account but…
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Update of electoral register record: gap on CR?
I have a quick query. When updating the electoral register for an address change, could there be a short temporary gap when one is not reported on the electoral register at all (ie at neither address)? I'm just thinking about the scenario where the old council removes the record and reports to the credit agencies prior to…
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Can CCJ be removed after set aside judgement
Does anyone here have knowledge about this. Can a CCJ be removed from credit file after it is paid on time (within 7 days) after set aside judgement that confirms the first judgement. This is different from the first judgement. Quoting from this link https://www.masonbullock.co.uk/getting-ccj-removed If you pay the CCJ in…
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All the junk threads about support numbers and cash apps. Why?
I notice that there must be around 20-30 of these threads a day which disappear as soon as they are reported. What I can't work out is why people are going to the trouble of registering to then post them. They are of course nonsense but there appears to equally be nothing to be gained. There is no link to click to cause…
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Experian Boost
First thread, please go gently ha! Has anybody seen the Experian Credit Score Boost function? Personally I'm not going to do it as I know what my luck is like! Just wondering what people's experiences are of using the Boost function, was it a waste of time or did your score in fact 'boost'.
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Shell Energy credit check
Hello, Anyone familiar with whether Shell Energy leave a hard check on your credit file? Due to remortgage in January but renewing everything has come at once. Thanks!
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Can companies see raised queries
I know they can see notices of corrections but can they see queries i have raised linked to adresses
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Please help - bank won't format address correctly, and it's affecting my credit file ...
Hello, I'm new to the forum and am wondering if someone could advise on an issue I'm having with my bank in relation to my credit file. Four years ago I moved to Scotland, and my bank (Yorkshire/Clydesdale) seems incapable of formatting my address correctly, in line with Royal Mail. I live in a tenement flat, and the…
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Wonga on Credit Report
Hello I'm hoping somebody may be able to help me with this. I've recently been clearing all my old credit card and payday loan debt which I acquired years ago. My only remaining debt now showing is £151 owed to Wonga but I don't know how to go about getting this removed as Wonga/the administrators are no longer taking…
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Account reporting older than 6 years on credit report
Hello, my british gas, which has a late payment from august 2014 is still reporting this and sppears to be reporting the account 6 an a half years back. What can i do to fix this Thanks
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Vodafone
Is there any way I can have a default removed, my son took a phone out with vodafone unbeknown to myself in my name several years ago. There is a default sitting on my credit file, paid though. Can this be removed as its affected my last mortgage deal?
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Court judgements & Insolvency records showing up with Experian search when signing up to Dashly.com
I've just signed up with Dashly.com to see what mortgage offers they could do for me. As part of that, they did a credit history search in Experian and it's flagged up 2 negative factors, "£11537 value of non-current court judgements and insolvency records", then underneath that it says "£11537 value of current court…
