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Plusnet broadband and home phone debt
Hi, I got a letter from arvato saying I owe plusnet £96. I have recently left plusnet but not aware of a debt. assumign I do owe it, do plusnet report to credit files? Arvato have already told me they don’t I don’t want a late payment marker or default going on my credit file, and will challenge the £96 with plusnet but in…
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Missing account from experian
Hello I’m currently in the process of applying for a new mortgage (home move) and wanted to check all 3 agencies. I signed up for MSE credit club to monitor, but an account which I have recently cleared does not appear. It’s with RBS. would anyone know why that might be? it appears as settled on both others.
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Indigo Michael/Safety Net Credit complaints
Hi everyone I hope I’ve started this thread in the right place. I have posted elsewhere about what’s going on in general but this relates to a specific company so wanted to highlight it separately for ease of answering/reading (which I hope is the correct approach!) My partner has discovered multiple ‘payday’ style loans…
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mis sold protected trust deed
Does anyone have any idea how I can go about claiming compensation for a mis sold trust deed
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Is it possible to obtain a mortgage after a DAS?
I entered into a DAS agreement a year ago under financial duress, I have since started a business which has doubled my income and paid off the DAS within 6 months, the total value of which was around £6000. I now have some savings behind me and I am debt free. My partner and I have started talking more about our future…
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Inaccurate data sharing compensation
Has anyone successfully claimed for inaccurate data sharing compensation? For over two years Three placed a default on my credit file for a closed, fully paid off account at a previous address. They refused to discuss the matter with me (even via post) as I had moved. I provided identification document copies (passport,…
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Credit reports not accessible due to SSL Certificate problem
Today I recived an email from MoneySavingExpert.com Credit Club advising me to check my credit score as it had changed. Unfortunately this is not currently possible due to an issue with the website. After I log in
successfully to your site it shows it’s redirecting me to Experian but
everytime it just returns an error page…
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Credit card not showing up on Experian credit report?
Hi, I am now regularly using my credit card (which I’ve had for years) and paying it off every month in a bid to improve my credit (as all other means credit card/loans are in my husband’s name so whilst his credit has always looked good, mine looks non-existent-I also never really used my credit card beforehand) However…
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Balance Transfer looks to have ruined my credit score - will it correct itself
I've spent most of this year paying off my Credit cards and managed to pay off £9k of a large balance, because of this my credit score went from fair to good and I was able to transfer the balance to a Virgin interest free CC - all good so far. I've just checked my credit score for this month and it's now Poor and gone…
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Car finance refused. Experian info incorrect.
Hi, I’ve just been refused credit from Volvo finance, who use Experian as their credit checking agency. I’ve just had a look on Experian and the information they hold on me is incorrect. The address they have on file is actually where i stayed 2 houses ago, due to this they don’t have any of my financial or credit…
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Anyone else lost the whole history of MSE Credit Club reports?
My MSE CC credit reports were usually created around 11-12th each month. I had a history of nearly 3 years of monthly credit reports.Last time I wanted to check something so I logged in on 20th of the month and I was surprised that a new report was generated when I logged in. Then I noticed all the previous reports are…
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Credit Club registration (and redirection)
Hi, I'm trying to register for this service and I think the first part has worked, due to the reset email request. However, when the page tries to redirect to the experian site, I get a request failed, cannot be reached, site may have moved, SSL error. Anyone else encounter this? Kind regards, S
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Rebuilding post BR
Hi, Been discharged since June 2020, looking for options to boost my score. I have no debt and no cards (or other means to accrue debt). Help much appreciated. Kind regards, S
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Do “Q” markers on your report count against you?
I have recently got online access to my credit reports through Check My File and Experian, and all the payment history is spotless, no missed payments on my files at all. i registered with Equifax today to check my report directly with them, as it seems like Check My File are a bit behind with updating my Experian info, so…
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Clearscore/Equifax reduced my credit score even though the bank removed the hard search!
Hi all, I hope you can help. I checked my credit scores today, to find out that my clearscore/Equifax had dropped by 30 points, because HSBC added and then immediately removed a hard search they had carried out in January, when I applied for a foreign currency account. My report shows both the addition and removal happened…
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Loads of soft searches but I haven't looked for anything!
Hello. Hopefully someone can advise if I need to be worry. My credit report is covered with loads and loads of soft searches from insurance companies such as lexis Nexis and ones I haven't even heard of!! Is this normal or is someone trying to steal my identity? I'm really worried as I have no idea why these searches…
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Credit club question - hit rate
I don’t quite understand the hit rate on the credit club app, I thought it was calculated using your affordability and credit score to predict your changes of getting accepted for things but I have a “good” credit score and “good” affordability for credit card and loans option, yet my hit rate is 5%. how can it be so low…
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Identity theft/fraud on credit file - anyone have positive stories about correcting?
Hi everyone Firstly, sorry for the lengthy post but I just want to give as much context as possible! I’ve read a few threads relating to this but my partner’s experience seems a bit different (and is scaring us). At the moment we rent from friends but they’ve told us they may sell next year due to ill health. Amazingly…
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Metrobank reported missed payment even though I'd transferred funds before deadline
My account is overdrawn and I received a text alert to say I had to transfer funds within 48 hours which I did immediately. Metrobank have now reported a missed payment on my otherwise perfect credit record and they are refusing to remove it. There is no information on my statements to say they would do this, and they have…
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REMOVE A PERSON FROM MY ADDRESS
Complicated but I'll be briefI moved away for 4 years, still kept my house, and a relative came and lived in there to look after things. Hes not the most credit worthy person, borrowed money from agencies never paid back he just moved on. When i came back i noticed a LOT of 'official' looking envelopes addressed to him (no…
