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I can’t grow my credit history
Hi there. This year i had an issue, I wasn’t able to get a contract sim, i`m trying to improve my credit history.How can i do this if i am never accepted for credit ?
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Eligibility calculator says I am accepted but after applying I get refused can I complain
I use the eligibility calculator on Currys PC World website that says good news you'll be accepted then after applying it declined me. Does anybody know if I can complain and get the hard search taken off my credit file as I wouldn't have applied if the eligibility calculator said I wouldn't be accepted. Thanks in advance
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Moved: Capquest home visit threat - please advise
This discussion has been moved.
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can ccj be set aside?
hi all and merry xmas last year a good friend of mine was asked by her brother in law if he could use her name for 1 month and become director of his business he said after 1 month he would take her name off the company and replace it with someone else......she is very naive has some mental health problems and is suffering…
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Credit rating using loan to boost
Hi Would paying for my house insurance by monthly instalments help boost my poor credit rating or would just paying out right be better? The extra for instalments is £15 interest Thanks
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Moved: HSBC - Up to their usual standard - used bog brush poor
This discussion has been moved.
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Credit Scores - Laughable
So my credit score is currently rated as very poor/500 on Experian. I was given a 50% chance eligibility with AMEX and 30% chance with MBNA, one for cashback and one for BT to get rid of my subprime interest accruing cards.. guess the outcome.
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Data Protection Breach?
I was surprised to receive an email from Credit Karma saying my credit score had gone down. When I looked at the score in the app, it had plumitted from just under 700 to well under 500! I knew I hadn't done anything to affect it, that much, so I dug into the TransUnion report and found that the report was flagging a…
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Moved: Historic MBNA Debt - Revisited
This discussion has been moved.
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Default Notice
Looking for some advice please, I have a Nationwide credit card which at the start of the year had a zero balance, I made two transactions on the account at the start of the year one for a holiday deposit and one for some tickets through Ticketmaster. As this account had not been used in a while, I was not aware there was…
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CCJ turning to Default after a few years.
Sorry if this isn't the right place. So around 7 years ago I was issued with a CCJ, no problem with that. But then suddenly a few years back according to my credit report, the amount dropped by about £2.5k and then suddenly it started saying it was a DEFAULT. I havent had any written notification from Hitatchi Finance for…
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Paid CCJ on my report
Hi there I was wondering if anyone could help me. At the beginning of the year I had a high court enforcement agent at my door (was very unpleasant) for a debt I didn’t even realise I had, any way the court had obviously slapped on an extra grand so the amount was pretty high. Any way it got paid in full that same day and…
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Barclays / PRA group advice
Apologies for the long thread, I was hoping if anyone could give me any advice or been a similar situation I had a overdraft with Barclays, when I got the overdraft I was in a bad place financially. The account was not my main account and all that got paid in was CSA payments and Child Benefit which was maximum of £350 per…
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Barclays mortgage holiday payment marker
I’ve searched and can’t find what a mortgage holiday payment marker looks like on Experian credit report. I raised a complaint with Barclays for showing it as arrears, they accepted their error and paid me compensation but now it’s taking them ages to update my credit file with the correct marker although they said they…
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Address history
Address history. Lived in my current address for over 7 years. 4 previous address are on my credit file whe I've defaulted, them moving to debt collection agencies. All now up to date and paid up over the last 4 years or so. I've contacted the companies that are listed on my file and they have no, information on me or my…
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Current Account switch went wrong
As the title suggests, I have recently switched current accounts to take advantage of a switching incentive and the process has gone ‘wrong’. I have a personal loan for which a standing order was set up 3 years ago (I banked with the same bank which lent the money, so they set it up automatically). Since then, the same…
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Three mobile and Lowell ruining my credit file
Hi everyone. I've looked around but haven't found another case quite like mine, so I find myself a bit stressed. I have recently found through Noddle (credit karma) that I have a default on my file. It has been there for nearly 5 years, placed by Three. I have seemed to struggle for cheap credit and wonder if this might…
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Hard search by 'THE GOVERNOR AND COMPANY OF THE BAN' on credit file
Hi, I've got a hard search showing on my Equifax credit record, which is listed as an enquiry with an entry code P48 and says: Searched by THE GOVERNOR AND COMPANY OF THE BAN on 18/07/2020 I didn't apply for any credit then as far as I can recall, and I'm very confused with it being an enquiry rather than a quote of any…
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Equifax - not showing voters roll after 8 years
I've been on the voters roll for 8 years at my address and Equifax dont show it. Every other agency do. I got a letter from the council but they still wont update my file. They keep saying it will update in time. Well the last discussion was a year ago. Help. What do I do? Is this a data protection issue? As in, having…
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CIFAS marker on credit report
I have had a CIFAS marker added to my credit report due to a fradulent credit application made in my name. On my report it says I'm a victim of impersonation. Will having this marker affect me getting credit or is it simply a prompt for companies to verify my identity and leave no doubt its me? Thanks
