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Not a citizen but want to improve credit score
If someone can’t get on the electoral roll is there a way to improve their credit score?
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File clean up question
If someone still has a debt showing from 2010 that has got renewed as default every month since then, and the person even did a dro a few years ago that this debt was included in what is the process to get rid of it they have filed a dispute with credit reference agents but the debt is with Halifax who do we contact to get…
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Issues with authentication on Transunion
Hi there, Wondering if anyone has any ideas on an issue I'm having with Credit Karma and Transunion. Thanks in advance for any advice. I've been a long-time user of Credit Karma (in fact since it was Noddle), with no issues; always been able to see my credit score and all was accurate. Some months ago, my credit score…
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Pay off credit card, loan or both to improve credit rating.
I have had a bad credit history but managed to get everything under control and although I have one default left on my credit file which is due to drop off very soon, I’m in control of my finances now. Ive recently had a large critical illness payout and am in a position to pay all remaining debts off. I have a Capital One…
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Vanquis Default
Firstly, I am new to the forum, so apologies if I have posted this in the wrong area. I joined up to this forum as I am having an issue with my credit report. I have a default that is due to fall off my report next month which will hopefully mean I am eligible for credit again. However, on checking one of the other credit…
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Virgin Media
7 years ago I moved house and recieved my final bill of £130 from virgin media. I rang up to dispute the amount and they claimed it was correct but we made a deal that if I pay £100 they would clear the rest. I agreed, paid and thought nothing more of it. Almost 6 years later I applied for a mortgage and was denied. I…
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Moved: CCJ from parking ticket on credit file
This discussion has been moved.
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Unjustified thread?
Hello First time here and i’d sincerely appreciate some advise. So i received a letter a few weeks ago from severn trent water, still have it, it says that i owe then £553.00, it doesn’t give much info other that stating that the debt had been sold to a debt collection agency but returned back to them, i presume as the…
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Credit Score Plummeted
Hello, All. Newbie here. Hope you're all well! I've looked around and don't see any threads distinctly similar so thought I'd start my own. In short, my (Clearscore) credit score had dropped considerably; from a good/excellent to well below average. In terms of numbers, we're sub-300 here. I had worked to get a good credit…
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Moved: County court form N1SDT
This discussion has been moved.
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Mistake on credit card application - will I be National Hunter/CIFAs flagged?
Hi everyone, New member here, hoping someone can offer any advice. I recently applied and was instantly approved for an Amex, I always screenshot my online forms for my records (force of habit) and a couple of weeks later I read through as I was about to make another app and realised that I'd put down that I was a…
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Consumer credit file request
I wondered if someone could help. I have a soft search on my credit file by Credit Karma and the name of it is consumer credit file request. I haven’t requested anything or applied for any credit and I’m concerned my ex husband is trying to access my file. Can anyone explain to me what this file request means please?
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Once credit cards are clear, should I close accounts.
Hi, Please be kind. I basically got myself and my husband in to thousands of pounds of debt. I have had counselling and got to the root of my problems. I cut up the credit cards and they are no longer maxed out, we have started to reduce the debts. We currently have about 10 credit cards and we are at about 85% capacity.…
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Electrician course via loan - school not delivering to promise, can I stop paying?
Hi all,This is post on behalf of my friend.She applied for electrician course in private school. There supposed to be regular, physical seminars and lessons with wiring/testing etc. practice, followed by exams, at certain pace. She signed contract and signed a loan with the school for £250 per month, for total of £7200 or…
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Incorrect credit balance on report prior to exchange on property
Hi, First post here, thought about posting in the mortgage sub but I think this might be a better place. I have had a mortgage approved and we are near to exchange on a property. I check my credit reports with Equifax, Transunion and Experian regularly when they update. Equifax and Transunion this week are reporting a…
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Vodafone
To cut a long story short I disputed a bill I received from VF as I had been charged 600+ for a zoom meeting I was on. It eventually went to ombudsman and once decision made I paid in full what was due minus compensation . I asked over and over as I was selling my house if anything would be on my credit file and each time…
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Southern Water default Experian
I just checked my credit file and Southern Water have recorded defaults in 2019-2020. I paid 6 months upfront then made monthly payments and set up a DD. They never advised me I was in any way behind with payments. In fact I thought I was ahead. Has anyone else had an issue like this? Is it correct that they can record…
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partially satisfied debt affect mortgage application?
Hello, My partner and I are applying for our first mortgage in June, when his CCJ will be fully satisfied for over 6 months (as advised by our mortgage advisor). We have just received an unexpected letter from a debt collection agency saying that he owes £264 from an old loan account, and they offered an early settlement…
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No CCA after 8 monthd
Pra group cannot find the CCA for one of my accounts after 8 months are they ever likely to find it?
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Struggle to obtain credit
This is going to be a little long so I apologise. I’m looking for advise on why I’m struggling to obtain credit. When I turned 18 I got a catalogue and an overdraft. The catalogue was paid on time and closed after 9 months, the overdraft got out of control and was subsequently paid off after 4 years. I’ve never been able…
