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Sensible Credit Card use - but Negative Score Impact
Just over a year ago I was near bankrupt. I’ve now managed to turn things around and I’m debt free and trying to save every month.I have a default on my credit score (for £16!! :| ) which I’m disputing and hoping will be erased in the next few months. Also, I’m trying to increase my credit score by using my credit card…
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Unknown CCJ
Hello First time poster so apologies if this has been discussed before or I’m in the wrong area! So my husband and I rent and are looking for buy our first home this year. I used to credit Karma to gain my credit and file and was absolutely shocked to find a CCJ on my file issued February 2015. I didn’t know where it came…
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Building Credit Score
Hello! I hope that you’re all well. I posted just over a year ago, as a bad split from a previous partner left my finances all over the place. However, with some good negotiation with partial final settlement offers, I’ve got the £13k debt down to just over £2k, which is great. Today, I paid off my Aqua credit card, now…
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Compensation
Hi, through no fault of my own my mortgage company did not take the D/D payment when they should have. They had plenty of time, the correct bank details and there were sufficient funds in the account. They reported me to the credit score companies for a missed payment and this went on my credit score. Can I complain and…
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I cannot raise my credit score to get accepted for a loan?
All of last year I was unemployed and was getting further and further into debt, I didn't really miss many payments though, the odd late charge but it for paid back ASAP. My credit rating has taken a hit down to very poor tier. But I found a job at the start of December, and started paying my debts off, I paid everything…
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Partially settling an Account
Hi I've had an option to settle an old student loan account that I forgot to defer and became liable for. If I pay the partial settlement I shall have a marker placed on my file for 6 years. However this account is not currently showing anywhere on my credit file so can this happen? Furthermore does anyone have any advice…
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How can an 18 year old start to build a decent Credit History?
Hi all, my daughter is really good with money & has 2 jobs whilst in her last year of Alevels. She has several accounts for various needs, has £3k in savings and has just bought her second car ( I paid her insurance in one hit). In her “busy” account she likes to keep £500 in for her hobbies, and if it goes over £500 she…
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Question about default account
Hi, Looking for some advice. I have a defaulted mobile account of about 6months, outstanding amount is < £50 but i was intending to contest the account due to the fact it was never used following a breach of personal data by the phone operator. They gave my PAC to a fraudster who used the phone number in a failed attempt…
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Credit score and default
Hi, So, back in 2012 I had a default from HSBC bank, it was an overdraft payment that I wasn't aware of. When I returned back to UK in 2015,two years later in 2017 I have received a letter from Capquest(debt recovery company) that I owe to them this amount and that was the time. I spoke with HSBC and they told me that the…
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Dormant Debt
Hi I'm hoping for some advice on a situation I found on my credit report recently. The scenario is that I got landed with some debt in 2009, at that time I was unable to service it at all. I applied for bankruptcy but was told that my situation didn't warrant it. To be clear I had been in a terrible accident that prevented…
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Moved: CCJ
This discussion has been moved.
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Barclays mistake nightmare and credit report / rating
Good afternoon , I had hoped this situation would be resolved by now but sadly it hasn't. Sorry this is so long. Over the last 18 months we sold some funds from our ISAs and paid down some of our mortgage. We only had just under 4 years remaining but wanted to lower the monthly repayment as I had only been working part…
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Compensation for damage to credit?
Years ago I had a lot of debt and a single digit credit rating but over the past few years I've been really managing my credit score building it up and ensuring I have no missed payments etc. I called a debt company I owe at the end of December to make my monthly payment and the woman on the phone said oh your next payment…
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experian score dropped significantly
Hi Everyone. I have tracking and trying to improve my credit score, starting from a 'very poor' score I was just on the border of 'fair'. Today mu score has been updated and It's dropped right down to 603 from 702 which is bizarre. My total debt is actually a little lower than the last report. I have not taken out any new…
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Ex partner opened accounts
After discovering defaulted accounts on my credit file I have since found out it’s an ex partner who has admitted it I have reported to action fraud , now what ? Can the debt be transferred to them ? They are willing to try and sort it and put the debt to them .
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Rejected by EE
Hi all I hope that you are well in these weird and wonderful times. I recently placed an order for an EE mobile deal via Affordable Mobiles. For some reason, my application went to the credit referral stage with EE, and after a brief conversation with EE, my application was cancelled. I’ve checked both Experian and Equifax…
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Identity Theft
I have been the victim of identity theft with accounts opened in my name. I have investigated the course of events and was staggered how easy it is to fraudulently open bank accounts. I believe I could do it in about half an hour for any given person - it is that easy. The next shock I got was the lack of people/forums…
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Voters roll hindering credit?
A default drops off my credit file soon however I am not on the voters roll on my mortgaged house my mum lives in it on her own. I have the mortgage,bank statements, driving licence etc at the address however when doing soft searches I am ineligible for any cards/loans. My experian score is 854. People are saying my final…
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Credit utilisation / mortgage application
Hi, I'm 3 years away from applying for my first mortgage and I'm looking to find the optimum method of having the best financial circumstances ready for that point. I have included my current scores and credit card debt below. Is it best for me to pay off and close all credit cards? Is it best to keep some debt on a…
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How long for credit file to improve after a default drops off?
My final default drops off on May 27th. How long after this will my credit score/file take to improve i presume a couple of months?
