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Carphone Warehouse account
Reviewing my Clearscore again this month. It is still showing me having a Carphone Warehouse account. I have not used this for years. Zero money on the account or being paid to the account. Should I close it?
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Will getting another credit card boost my rating?
Hi everyone! i'm new here, I just wanted to ask a quick question to those in the know: I'm sure this has probably been asked a million times before so apologies, but I am hoping to get car finance in about 6 months and want to give my credit rating a boost. It's just risen from "very poor" to "poor" and I'm wondering if…
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Soft check, identity
So apologies if this information is already asked, I couldn't find anything 1. I was looking at my soft search and this caught my eye health and social care info centre ( NHS digital) identity Check ? Is this a check for health related stuff or Is this generic search ?
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Mortgage
Hi there, I have been googling and cant get an answer. My question is if one half has terrible credit, defaults x8 all 5 years old and the other half has excellent credit rating, would a joint mortgage in principle create a financial connection? Then potentially lowering his credit score? We think we could get the mortgage…
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HSBC incorrect over draft default date
Hi everyone. I am hoping to get a first time buyer mortgage soon. I used to be bad with credit but have been good for the past 6 years. My Experian report is 999. My Equifax is 448 with some credit card defaults having just dropped off after 6 years. My transunion is 588 with a HSBC overdraft unpaid default from 2017. I am…
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CCJ added on Nov 2020 that i dont recognise
I left UK for a job in the middle east in June 2019 and closed/cleared all known payments (i.e. car insurance, phone bills etc.). In December 2019, my wife and kids also left the UK to join me. It was a rented property which we vacated. I randomly checked my clearscore credit report last night and noticed there was a CCJ…
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Defaults and still paying towards them
Hi I have 8 defaults on my report :( due to many reasons not on my behalf but never the less there still there. They happened around two years ago according to my report, but I’m a DMP and there still getting paid off monthly, should I still carry on paying towards them or stop the payments and someone has mentioned the…
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SAR Loan Application From Nationwide means - nothing ....
Hello Im looking for some advice. I am currently complaining about old defaults and data which are not mine being on my credit report. ICO and FOS complaints made regarding Linked addresses. I have been told by a finance company that when a search takes place - the CRA gives your current address data - that is fine no…
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AIP then multiple rejections?!
Two weeks ago I applied for an agreement in principle with HSBC. I spoke to an advisor there about a different purchase and he told me just to keep running applications as the soft credit checks wouldn’t affect me at all. None of these further applications were successful and all declined on lending criteria. No, I will…
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How to improve credit rating
Hi, my daughter is 21 and wants to borrow some money to help fund the purchase of a new car. Unfortunately she keeps getting declined for loans due to he credit score. We even tried out of curiosity applying for a credit card and that was also declined. The only direct debit she has is for gym membership and she has no…
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Moved: CCJ issued without my knowledge
This discussion has been moved.
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HALIFAX keeps doing hard searches after years.
HI There Hope you are all well. We applied for a mortgage in 2019 pre covid, we got a AIP but eventually we pulled out due to the uncertainty with jobs. Anyway Halifax searched my account again in Sep 2020 and again in Feb 2021. I have not got anything with Halifax, haven't got a loan either. Nothing at all but they still…
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How to pay off one of 3 credit cards, and get the best effect on your credit rating?
Hi I'd welcome opinions on this. I have the chance of paying off one of my 3 credit cards (3K +6k+6k). I'm planning on paying off one of the 6k, but wanted to check on how to get the best effect on my credit rating which is in the dump. Perhaps it is as simple as just choosing the largest card with the highest interest…
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postcode lottery limited - search on credit report
Evening Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. I have not and dont plan on playing the postcode lottery, therefore dont know how a search has appeared on my report. I understand that it is a soft…
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Advice on unfair ccj
I moved from an address in May 2019 and thought I'd cancelled informed all utilities. I was up to date with all payments. To be on safe side I registered immediately on electoral register and got on with life. In March 2020 I opened a demand for £700 at my new address from Yorkshire Water. I rang immediately and disputed…
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Experian huge credit score drop
Hello, I am looking for some advice and would be very grateful for any words of wisdom. My credit score with experian has dropped over 80 points this month, I have no missed payments but I do now have a credit card that I pay off in full and stay under 20% threshold. Is it likely to be due to this? I am hoping that I can…
