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Utility default - statute barred?
I’m a first time poster desperate for some advice please! 2013-2014 I was in a huge mess with my finances & other things and moved in with my partner/his parents house. My car is a lease from work & I have had my phone contract for years so have had no need to check my credit file (huge mistake!) I have recently registered…
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interesting article on credit file damage.
https://www.bbc.co.uk/news/business-56069345
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Lloyd's offering credit
On the soft search calculators for loans and credit cards I am not eligible for anything however my bank Lloyd's has said no to a personal loan but will give me a £10k limit on a 0% for 2 years credit card! I cannot understand why they wont offer me a loan but will offer a card when nobody else will? Seems to good to be…
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Car Insurance - Instalments or Not?
In an answer elsewhere on this forum, it was suggested that you should not pay car insurance by installments as the implication that you could not afford to pay it in full would be regarded as detrimental if you were applying for further credit, but I have always believed that if (like me) your history is less than…
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How can you remove an account from credit report?
Hi all For years now Virgin Mobile has been showing up on my husbands credit report, the status says 'In Arrears' with a balance of £275 His report updates every month as Missed Payment to Virgin The account was opened in 2011, he vaguely remembers having a Virgin Mobile but hasn't been with them for years or heard…
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Mortgage Prep Question for Credit Limit
Hi, I have 4 forms of credit at the moment. An Argos card (£1000), PayPal Credit (£1600), an older Barclaycard balance transfer credit card (£1200) and a newer MBNA balance transfer credit card. (£3200). I only use around 30% of that total credit which is solely on the MBNA balance transfer card. I have around 16 months to…
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Nationwide delay in defaulting
I had a default notice from Nationwide in May 2014 but a default was not applied until January 2015. Nationwide agreed to backdate the default to June 2014 and I have this in writing form them. I have recently checked my credit report and the default shows as being applied in February 2015 (not even January as Nationwide…
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default on joint loan
I have had to enter a protected trust deed and one of the loans included was a joint loan, we have continued to pay the joint loan (no payments ever missed) but the company have put a default on my partners credit file so it appears that it is not being paid when it is. Can anybody advise me if this is allowed when there…
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Partial payment holidays and credit scores
Hi there, in April, May, June and July 2020 my daughter took an agreed partial payment holiday, i.e. reduced payments for 4 months, on a loan she had with the Yorkshire bank. In August she paid the loan off in full. In January 2021 the Yorkshire bank agreed in principle to give her a mortgage when she found a house to move…
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County Court Claim Form/CCJ Credit Rating
Good afternoon all, I'm not sure if I've posted this in the correct section, so apologies in advance if not. I have received a County Claim Form today, claimant Civil Enforcement Ltd, dated 16.02.2021, in a panic I have paid in full this morning directly to the claimant through there automated line, I have no proof from…
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Forgotten Current Account now shows as default
I had a current account that I stopped using around 15 years ago. Yesterday it popped up on my credit file as default with a £165 balance. 4 years ago I moved from the address this account is registered to so have had no mail from the bank for at least that long. If the debt is mine I have no issue with paying it off and…
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Link financial debt collection agency
Hi , I have a few fraudulent accounts on my credit file with link financial debt collection agency I have tried emailing them several times with zero response .transunion and Experian can’t get a response from them either after contacting them on my behalf the credit report companies have temporarily removed all the link…
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Very bad credit- trying to get in tack
Hello my partner has very bad credit, 3 defaults from July 2018 for about 13k together, one of them turned into CCJ in Jan 19, this was over 5k but now been paid off to 3k. Rest is unsatisfied for now. He also has another Capital one credit card which is in good standing since 2017 with tiny £200 limit. This all is huge…
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clearing up my credit file
I recently started looking into my credit score and discovered an incorrect entry. To cut a very long story short I have now received confirmation from Virgin that the missing payments that have been recorded for the past 2 years are incorrect and my credit file will be adjusted but the end of this month. My question is…
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Bloomin' BT
Just discovered that BT have placed a default on my credit file for a payment that was made in 2019. Spoke with BT and they cannot find a record of the payment despite me sending proof from my bank of the transaction. In 2019 / 20 BT sold the debt to 2 x collection agencies who I've proven the payment was not outstanding…
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Cifas marker
I’m a 19 year old, I tried to open a bank account and got rejected everywhere I requested a Cifas review and been told I have a “misuse of facility” market on my file from starling bank in may2020 I’ve never gave my details out and apparently it was from 3 payments I received in totalling £50 for a item of clothing, I’ve…
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Equifax missing information and attributing my credit history to someone else's address
Hi all - new to the message boards so apologies if a similar query has been raised before and also for the length. It's a tricky situation so I need to give the back story! I'll also just add that I've had absolutely no issues with other agencies such as Experian who have all of the information correct. I've been having an…
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Utility bills during vacant BTL - impact on credit report
Hi,My partner has a BTL which has been vacant for a number of months due to low tenant demand. She is worried that some post she received (at the BTL property - she just went there to collect the post, she hardly goes there given distance etc) has suggested some bills are unpaid and late and how that could affect her…
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HD Decisions appearing on credit report
This discussion was created from comments split from: What your credit score really means.
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Help improving credit score with a defult
So i have been having a nightmare with my credit score I was hoping for ways to improve it and a rough idea of how long it will take. So firstly I have a defult on my account, a few weeks ago I get a letter from dept collector saying I owed them money they have taken on from EE and paid it. Basically, 3 years ago I…
