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Multiple 'Consumer Credit File Request' entries showing when I haven't made these requests
Hello, I logged into Credit Karma yesterday for a routine health check of my credit file as I typically do every few months.I was quite surprised to see under soft searches, that multiple 'Consumer Credit File Request' searches were showing over the last couple of months, at least eight individual entries going back to…
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Prioritising credit card debt
I have a credit card at over 90% credit utilisation but because has an interest rate significantly less than other credit card debt have been happy to keep it at this level, however, I understand that having a card with over 90% utilisation is harmful to my credit rating. Should I prioritise getting this card below 90%…
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Debt to Income Ratio
I calculated this to be under 38% based on how advised to calculate this online but MSE Credit Club is still saying is too high despite me paying off a loan to get it to under 38%. MSE Credit Club obviously use a different calculation than is described online. Is there anyway I can find out how this is calculated by MSE…
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Missed Payments on credit report ut never received a bill
I was wandering if I could get some advice. I lived in a property from Feb 2019 - August 2020 with one housemate. When we moved in my letting agent set up the gas account in our name and sent in the initial meter reading. We never received a bill throughout our 18 months there. We assumed that was fine and assumed the…
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MSE Credit Club
I was wondering if the MSE Credit Club will allow me to see if there has been unathorised credit checks run or other suspicious activity etc? Similar to Experian, I appreciate that MSE Credit Club is monthly rathern on demand. Many Thanks
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Chased for old student debt..
Sorry I might be vague on some parts you just never know who's snooping. Basically I got emailed out of the blue about 3 years back from an unsaid company (I'm sure you have an idea) I had 3 Student loans 97.98.99. (Scottish) Now at first I didn't pay attention to it.(as I thought it was some spam company) Then I got a few…
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Default removed but mortgage lender's report still hasn't updated even though ours has!
Hi there, Looking for some advice... We recently applied for a mortgage from Accord, it was declined due to a default on my partner's credit report. We were unaware of the Vodafone default and believed it was there in error. We contacted Vodafone who agreed and removed the default, within 24 hours my partner's credit…
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Credit on my O2 account has harmed my credit rating??
Hello can anyone advice me please, As a first time buyer I began the application for a mortgage having found a home I'd like to buy. A £13 O2 default has shown up and as a consequence my chances of getting a good rate are zero. I called O2 and it turned out my account was actually in credit by £14 not debit and my payment…
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Get DMP help or not?
Hi - I have significant debts which were manageable before things went wrong last year. I wanted to avoid the DMP route to try and preserve my credit rating but now have a few late payments and defaults on file. I’m assuming as these will be stuck on my file for 6 years I may as well try and arrange a DMP with all my…
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Small unarranged overdraft on a Sunday but in credit on Monday - credit rating impact
Unfortunately I got caught out by the short month of February and accidentally went into an unarranged overdraft of about £11 on Sunday 28 February but the account was back in credit first thing the next working day (Monday 1 March). This was on my Nationwide flexplus account - which I just use for the benefits (e.g.…
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OVO put marker on credit file
I recently moved house and I was bit late paying final bill, 8 days late. I wanted to rejoin OVO but they said today I have failed credit and would need to pay £271 deposit. I rang them and they put me through collections who said they put marker on my credit file but said they told Experian it’s paid in full. This has…
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Credit agencies, big difference in score.
Ok, so according to Experian I have a excellent credit score, but on clear score and credit karma, it is just in the fair bracket. Why the big difference?
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Mystery Halifax Account
Hi All. Site newbie here. Working to clear up my credit file across the Big Three reference agencies, I have stumbled across a bank account linked to my TransUnion credit report. It states it was opened in 2002, but is assigned to an address I left years ago. It is not showing against my current Halifax online banking…
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Credit rating - Can it be repaired to respectable level before 6 years?
Hi, first post.In June 2017 I graduated from university with nearly 8k on my Barclaycard. Unemployed, and without a family to fall back on, it didn't go well. Put my head in the sand, tried to live week to week, in poorly paid jobs, struggling along. 18 months ago, I finally found my dream job. Well paid, enjoyable and…
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Is it worth the effort to ask for marker to be removed?
My credit file has 4 markers for late payment to British Gas, these are for May to August 2016. It was a single payment that was due when I changed suppliers and when I became aware I paid. I do have extenuating circumstances for not paying it on time. At the time I was seeing a consultant psychologist for PTSD after my…
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Impact of partial settlement to debt collector when original lender gone from reports.
I owe £1500 on an old overdraft. The last time I made a payment was to the bank's collections department in 2016. Since then it's been through a bunch of debt collectors while I was living abroad. The original lender incorrectly reported the default date to all 3 agencies as March 2015, but it should have been April 2016.…
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Overused my credit limit
Hi I completely mixed up credit cards to buy something large, I basically for a period of 60 days pretty much doubled my credit limit. As soon as I realised I paid it off in full. My credit scores have gone down from around 600 to 360 with the note "You have gone over your credit limit 3 times in the past 2 months" I have…
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Let alliance
Has anyone passed credit checks with let alliance in last few months that have a few missed payments or any other discrepancies Thanks
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20 year old debt collection
I’ve been contacted by a debt collection agency with regards to a dept from potentially 20 years ago. I’ve asked for a copy of the credit agreement and they have come back to me saying they can’t get one because of how old it is, but they say, I quote “we believe this remains unpaid”. Now I’m being bombarded with automated…
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Moved: CCJ
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