-
2 defaults for the same debt - is this correct?
Hello all, looking for some advice if possible regarding some defaults on my credit file. I had a Hitachi Credit Loan - this is on my Experian credit file as defaulted 24/04/2019. I then have another default on my credit file, for the same date and amount, but from Lowell. I am just wondering if this is correct? Should…
-
CCJ - Setting aside Advice needed
Hello Community, I currently have a CCJ on my credit file which dates back to April 2018 for an original debt dating back to 2013 - I do not deny owing the money (previous relationship / children etc etc) however i just wanted some advice on how successful setting aside my CCJ would be based on the following facts (real…
-
'Closed account' on credit score, but account never existed
I've just had my monthly report for my credit score, and noticed that it says I've closed a BT comms account in March. I haven't had an account with BT since 2015, which was closed and paid off (it was for broadband). I can't seem to find out what this one is, and am worried it could be a mistake or someone applying for…
-
Barclays Premier. To upgrade or not to upgrade.
I'm hoping to take out a mortgage at the end of this year. I understand my bank gives preferential rates to Premiere customers. I am able to upgrade to Barclays Premier from my basic current account. I've been with Barclays for 6.5 years and that stands out as my longest open account on the credit file which is obviously…
-
CIFAS marker
HiI have a category 6 Cifa marker, I have tried to get it took away but my appeal failed. I’m wondering how long they actually last for because most websites say “up to 6 years” so does that mean it gets removed exactly 6 years from the date or can it be removed before then if so has anyone else’s been removed before the 6…
-
Dissolved Company Contact out of the blue
Hi, wasn't really sure which category to post this in, but hoping that someone may be able to help, or advise on where to sub-post. My company was dissolved approaching 10 years ago and I have moved on with my life. Today, out of the blue, I get a call from a company called Ocean who were asking if they were through to…
-
Credit Glitch Means I'm Due Compensation, How Do I Work Out What to Demand?
I just got my itemised Credit Monitor report and saw a supposed outstanding debt with my phone provider that was paid off 5 years ago and was never in arrears. It's been visible when I log in to my phone account for years, but if I click to pay it it just says 'nothing is owed' so I assumed it was a quirk of their user…
-
My son applied for loans in my name......
My son who has not lived with me for over 10 years applied about 30 times to get a loan from HSBC ( whilst addicted to cocaine). The first I knew was when I was refused credit having previously had a pristine rating up to this point, I explored my credit file and discovered these applications. I have disputed them all…
-
Santander Credit Card
Hello everyone I want to apply for a credit card, the Santander Everyday Credit Card but the eligibility checker says I won’t be able to get it but this happened last time when it said I won’t be to get the Santander Zero Credit Card but I took a risk and I got accepted with a credit limit of £1400 which is now £1900 after…
-
Tesco Mobile
I checked my credit file on Wed and discovered that tesco mobile had last updated it on 1/1/21. I have made payments on 8/1, 8/2 and 8/3/21 none of which have been updated to my credit file. I have been in touch with tesco over the last 3 days, and they told me there was a loading problem in Feb (not notified to…
-
Got a very poor rating on Experian credit score report
Hi, I moved to UK in 2017 on a work visa. I have been living here since then as a tenant in a flat. I am full-time employed and bank with HSBC. Since credit score reports require at least 3 years of residential history, I was only recently able to request a credit report for myself. I used Experian to find the report and…
-
Problems with Lowel debt collection agency
I discovered a good few fraudulent accounts on my credit report in January of this year .I have been slowly working my way through these accounts and managed to get a lot removed apart from Lowell debt collections .I contacted them a few months ago and explained that these accounts were opened in my name but not my address…
-
I feel like I'm the middle man here
I got a printed credit report from Experian (It's huge) and I noticed some mistakes. The main problem was I had several thousand pounds in my banking current account. But the report shows it as being £0 I complained about this to Experian. They said they would need to contact my bank. Months later, they replied saying the…
-
Vodeafone
Long story short, I took out a phone contract with vodefone in 2017 and returned the handset within the 30 day cooling off period. 4 years later, the account is still sitting on my credit history as a high impact repossession . Where do I stand with this? Currently have a case open with cisas. Today voda finally put enough…
-
Help! Transunion have my name wrong on electoral roll section of credit file.
I've just had an offer accepted on a house after years of saving for a deposit and many offers being rejected. The seller is looking to move quite quickly and a reason why they accepted my offer (which wasn't the highest) is because I am a first time buyer with no chain and ready to move. To avoid any nasty surprises, I…
-
Multiple soft searches on my credit file
I've just checked credit file with Clearscore and in the last 2 days there has been 17 soft searches on my file from various loan companies. Some say quotation search and some say affordability. I haven't applied for any credit. Just looking for life insurance, but none of these companies are life insurance companies.…
-
ClearScore says I applied for mortgage which is not true!
I have been a tenant at the same address since 2012 and have never taken out a mortgage.Recently, I signed up with ClearScore, and in order to verify my identity they asked me some question about what bank I use, etc. The last question worries me a lot - they said according to Equifax I took out a mortgage around the time…
-
Someone else's information on my credit reports
Hello, I could use a little help. Cabot Finance set me a couple of letters saying they own my Capital One card and that I owe them money but I have never had a Capital One card. So I rang them up and tried to sort it out but I didn't want to give out my date of birth and now they have added a default to my credit report…
-
Credit card and rebuilding rating
just looking for more information surrounding this so i see frequently spend and pay off monthly. would this be after the CC company generates a statement or before???. and are you going to have to pay interest if a statement is generated??
-
Credit card does not appear on credit file
I have had a Debenhams MasterCard for a while now, however recently I looked at my credit file and the card does not appear on there despite contacting Debenhams who confirmed that they report to credit agencies every month. I recently got a new Natwest credit card which appeared on my file straight away. Is there…
