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credit card pay time
been advised (on other posts on this page) NOT to pay credit card off untill they have actually prepaired the bill , paying early would "look" like non use of card I have a capital one , limit £200 , so I often use it to pay for goods upto £200 , then pay it back immediatly from my bank , so that i can use card again…
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Can I get a missed payment removed from my credit file?
I had a look at my online credit report (TransUnion) a few days ago, only to find, to my horror, that I had a missed payment on my PayPal Credit account! My score has dropped -40 points! So I logged into PayPal and there was no mention of a missed payment in any of my statements. I could see there was a balance of £199…
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Any experience with querying markers on Closed Accounts
Evening all, I am looking to get a mortgage so have gone through my credit reports in some detail. I had three defaults (all with TSB) in 2017 all of which I settled in full in September 2018. I have my credit reports from Equifax, Experian and Transunion and they all differ: Unsecured Loan Default: * Equifax -…
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Someone has opened a bank account using my address - how to check with Credit Agencies
Hi there, Someone has opened up a Monzo account using my address (but not my name?) I called up Monzo and gave them the name on the card and I was told that they couldn’t tell me any more due to data protection and that I would need to contact each of the credit agencies to see if an account had been set up. This seems…
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Please help re dip/credit search/GDPR
i had a DiP declined. I was told the reason was because a financial association had second bureau information. I had this association removed but apparently even though I have no financial associations on any credit file apparently I have to wait 4 weeks as they search the last 4 weeks. Is this correct? Also surely its a…
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Default on Credit Score
Good afternoon everyone. Please forgive my ignorance, I am a newbie, if this thread already exists, please point me in the right direction and I will remove. Basically, back in September 2016 I finally reached out to StepChange to help clear my debt. Around about the same sort of time, Nationwide put a default on my credit…
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Experian - delays updating records
My partner ran up some credit card debts during her divorce but paid them all off in full in December 2020 following the sale of her former matrimonial home. A credit check today (3rd Feb) with Experian is still showing the very high balances on these credit cards. She has phoned the card companies and they confirmed that…
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Recently moved to the UK and not eligible for credit cards & want to build the score up. Help?
Hi everyone, I would very much appreciate any advice. I moved to the UK and started renting a place officially a couple of months ago. I own my own place in the country i came from and i hate the idea of renting so i'd like to get approved for a mortgage asap - i have some savings and will have a downpayment. Problem is,…
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Moved: Lowell group chasing a debt not mine
This discussion has been moved.
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CIFAS Question
Hi, I’m 4.5 years into the 6 year CIFAS Punishment. I can’t find many answers online as I’m not sure if CIFAS has become bigger in last few years but does anyone have any experience of once the 6 years is up, is it literally gone of the SAR the next day? Has anyone successfully been able to get a mortgage/credit card other…
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Credit help - Getting extremely frustrated!
Hi all. I have a few issues which I cannot seem to work out and I can't seem to find any expert help out there who can advise me... Last July I applied and got accepted for a Barclays credit card. I think my issues stem from here. Basically, I opened and closed the account before I even sent off the signed agreement. For…
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Clearing debt and credit score
I posted a question on behalf of a friend but realised I had my own question as well. Due to a relationship breakdown, our house is sold and will in the next few weeks be completed, The remaining mortgage of 100k will be cleared from the sale and 2 debts I have in my name have accepted full and final settlement offers from…
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Credit report shows a debt 'settled' June 2019 - but since the company has been asking for money?
This is on behalf of a friend. Experian credit report shows the debt for £17,589 l Last update - 09 Jun 2019 However, showing settled 14 Jun 2019. However, for 12 months (ending the end December 31st 2020) the company has been taking a monthly £5 payment - this was set up Jan 1st 2020. The friend has only recently signed…
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Credit Card Use
I’ve finally paid off my credit cards 🥳 and want to start using the one I have left just here and there, mostly for purchase protection. Is it better for my credit score to let the direct debit pay the balance off in full each month after the bill date, rather than paying it off manually straight away? Also, how long might…
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Identity Theft? Insurance searches on credit report thatwasnt me
This weekend I got a notifciation from Credit Karma about soft searches on my account. I had a look and noticed on the 28/01 there are a lot of searches showing for insurance companies, some car specific insurance companies. I havent searched for anything recently or used any comparison websites recently. My own car…
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CCJ for Car Insurance Claim
Hello all, It's a bit of a long one so I have put a summary at the bottom for a quick overview. I have tried to search the forum but not managed to find anything on this - apologies if I am repeating a previous question. I checked my credit report yesterday (31st January) and found out that I had a CCJ on my file for a few…
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Credit score adjustments on defaults
After finding a lot of fraudulent accounts on my credit report I have contacted the companies in question , most have been very understanding and agreed to remove my details from their records , others are investigating which is fair enough I have all the evidence that they are fraudulent who is responsible for deleting…
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Where has my credit rating gone?
Hi all, wonder if anyone has experienced this / can help me? I am mid 50s with all the credit rating boxes ticked - electoral role, bank accounts, credit cards that I pay off every month, a mortgage, etc. Last May (2020) I had a great credit rating (Experian report through MSE credit club). Then someone applied for credit…
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Closed accounts with a not reported/unknown/unclassified status
Hi, my partner's credit report and shows a number of closed accounts with a balance on when they were closed. Some show a status of settled, so we presume these are OK, but some show a status of unclassified/unknown and 'not reported., mostly dating back a number of years, with a small balance stated when closed (eg closed…
