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DMP & Defaults
Hi there, I'm currently on a DMP which isn't expected to finish until 2028. My question is around the defaults on my credit file, which have been on for 2 years, what will happen to them after the 6 years? will they drop off my credit file or remain on until the DMP is fully paid in 2028? Thanks very much
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Incorrect Entry on Equifax Credit File
There is a 'default' on my credit file for BT - it has my name and DoB but an correct address. I am getting nowhere with both BT and Equifax in getting this removed. I'm signed up to the Equifax pay monthly service, their website is worse than useless, I have constant log in issues which always leads to me having to call…
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Renting with potential low credit score
Hi everyone, I’m a newbie and I’m currently living with a bit of anxiety. Hopefully you can put my mind at ease and help me with my dilemma. I’m currently renting through an agency with my boyfriend and everything was going well until the landlord decided to sell the house last month therefore I’ll be looking to rent…
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Credit Accounts gone from all CRA's
I could really use some advice on how to resolve a problem I have with the CRA's I have several credit accounts (credit card, current account, mobile etc) and have held some of these for 10+ years. Up until recently these were being reported to the CRA's. However, a couple of months back they all disappeared from my files…
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Unrecognised soft search on credit file
Hi, I have an unrecognised soft search on my credit file which I’m a bit worried about. I can’t place why this search would have happened on this date. We have recently been frauded three times on our Monzo accounts. We were assured by Monzo this was a card issue and unlikely to be identity theft. Is there a way to find…
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Query about National Hunter, CIFAS and Mortgage
Hi forum,I would like some advice here. I initially posted it to the Mortgage forum but was advised to try to this forum. * MAR 2020 - I received a letter from HSBC that "my" application for bank account was denied. As I did not apply for any account with HSBC, I contacted the bank informing this.* MAY 1 - 2020 - HSBC…
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Credit score with change of address
Evening I've checked my score with equifax and it's gone from excellent to poor, the reason it gives is because of my change of address with the electoral register. It says I'm registered with my local council which I already knew but then it says years at address is zero and this is affecting it. I've lived at my current…
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Clear Score: Two Hard Searches Added then Removed
I received my June credit report from ClearScore and noticed 2 hard searches from BT have been added and then removed. I haven't contacted BT nor do use any of their services. Anyone know why this would happen and whether it will effect my credit rating?
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Can we have 2 names on the property deeds but 1 on the mortgage?
Hi Everyone, I have posted this on another threat to get different responses. My girlfriend and I are looking for properties however my problem is I have a bad credit score due to having ccjs, now the damage is already done, we both want to buy a house together however if we do a joint application on the mortgage because…
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Rental exchange
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Shop direct relisting default
Hello would sincerely appreciate some info, can’t seem to find any accurate info regarding this... So i defaulted on a shop direct account & chose to ignore it, was just under £500. The default was added to my Transunion & clearscore accounts. this is now at the 6 year point & today i received new alerts from clearscore…
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Accounts missing from Experian, ClearScore and CreditKarma after address update
Hello, This is an odd one, I think! I moved house and updated my address three months ago with all but one company (as the company won't let me for some reason unless I go in-person). I've noticed this month that on Experian, I've lost all accounts bar the company I didn't update my address with. On ClearScore, I'm missing…
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MSE Credit Club not allowing me to log in
Anyone else having problems in logging in. Over the past few days I can't log in and neither can my partner. We have used a number of different methods but it won't recognise the second part of the security when it asks for various characters of the memorable word/phrase. I can't reset it either as it isn't sending a code…
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Absolutely devastated- missed payment capital one- is there anything I can do??
I've been working really hard since Dec 2019 to improve my credit file so we can go for a mortgage. In Jan 2020 I paid off my capital one credit card and have not used it since. Had an update today from experian saying my credit score had changed, checked it out and it had and had gone up (its near perfect score wise now).…
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Credit history
I am seeking to get access to my credit file but keep hitting a wall. I provide all the right information but it comes as back as them not being able to verify my identity. All my details are right. I dont know what I am doing wrong. My credit rating is poor and I know I have a fair few unpaid debts. I was chased by a debt…
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National Hunter Report
I made a SAR to National Hunter to see what information they held on me. I received back 2 files - both from lloyds stating False ID on an application for a card and current account. This was due to someone having tried to open up a bank account and card in my name. The Bank at the time immediately informed me and put me…
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PAY DAY LOAN
I took a Pay Day loan with PayDay UK in 2015. It has not been paid - which until recently was news to me (trying to get a mortgage) anyway, I tried to get in contact with them - was re-directed to another company (the money shop). spoke to a lady on the phone - said my predicament, want to make it right she said send your…
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How to improve a terrible credit score?
Help please! After 10 years of messing up my finances and credit, I have settled down, stopped hiding my head in the sand and finally paid off all my debt (that I can find). The mishandling of my credit has ensured I have an atrocious credit score and unable to find a credit card that I can use to build my credit back up.…
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Will this leave a mark on my credit file?
Hello I have an old credit card balance with M&S and I pay off £100 every month on the 15th of each month as I have been for the last two years. Evidently in May I paid one day earlier than normal, on the 14th, which meant two payments were recorded in May and none by 8th June. I called M&S and they acknowledged what had…
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Bizarrely I want a default notice issuing
A few years ago I took out a loan with provident. it’s my fault but I haven’t made any payments. it shows as a late payment every, single, month. Shouldn’t they have issued a default notice at some point? I have asked them to and they have refused. Is there any kind of law that says they should though? Otherwise in theory…
