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Missed payments instead of defaults
I had a loan with Lending Stream in 2015. I ended up defaulting on the loan after a couple of months due to being swamped in other payday loans too and no further payments were made. They closed the account in Nov 2017 and then sold the loan to TM Legal who tried to take out a CCJ against me in 2019 but I chose to defend…
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Monthly ups and downs of my Experian score
Hi, not that I particularly care for Experian's score, but i noticed this "feature" that doesn't make even the slightest sense in my head. My CC budget it £1500, but very rarely I get to use £100 of it. What drives me crazy is that every time that from one month to the next there's a big percentage difference (say for…
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Late payments
Hi, I have three late payments that are just about to turn 12 months old. I am hoping this will improve my credit score enough to get off a better credit card? Only thing is defaults that are now 4 years old.
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credit score recently reduced by long term issue
My mortgage provider has recently changed their systems, so I have a new account number. I have both a mortgage and an unsecured loan which they obtained a CCJ for and charging order since I entered into a DMP over 11 years ago. The CCJ & charging order were agreed in 2010. Since then my credit score has been stable and…
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Issue with open banking (Experian boost and bofi)
Hello, I was trying to use Experian boost and connect my Bank of Ireland UK account with Experian. The problem is, I get stuck in cycle like this: 1) log into Experian 2) click the boost link 3) select my bank 4) get redirected to BOFI 5) log in 6) correctly authenticate with the app 7) give permission to open banking 8)…
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How to build up my credit score for a mortgage ?
Hi, I'm new here so I hope I'm posting this in the correct section. :blush: I'm planing on getting a mortgage on a house in a couple of years, however, to get to that stage I will need to build up higher credit score from my understading as the higher the credit score, the bigger mortgage I can get. I was doing some…
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Transunion credit entry
I gave my old mobile phone to my son when he returned for Australia 6 years ago. He changed the address and direct debit details at the 3 shop but apparently wouldn't change the name on the mobile phone account. I recently had my credit card limit reduced from over £11k to £1k due to an adverse credit alert. On…
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Lots of soft insurance checks that we didnt make?
My partner noticed on his Experian report today that around a week ago there were 6-7 checks for insurance quotes? From looking at the names of the companies I cant work out if it was home or car insurance and who would have been requesting the checks? Bank of scotland home insurance AA Royal & sun alliance Chershire data…
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Weird affordability in MSE credit report
I have an excellent credit rating with all agencies, however in the MSE Credit Club (with credit score 999 out of 999), my report states that my loan and credit card affordability is "very weak", and then further down the page, says that I have a good chance of getting 98% of card and loan offers. This seems contradictory…
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Sixt and Avarto
Hi, thank you in advance for any support (please let me know if I have posted in the wrong forum!) Back in January 2020 I hired a van with Sixt, I returned the vehicle out of hours in the centre of Birmingham and Sixt claimed there was new damage. Initially on the damage report they said there was a scratch 5 - 10 cm big…
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Appealing late payments to be removed from your credit file.
Hi all How do you go about appealing late payment fees from your credit file? and will this cover all credit search agencies, or just specific ones? In short, I set up a Direct Debit via a credit card company (Virgin Money), however they haven't set the Direct Debit up correctly (According to TSB, anyway), and haven't…
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Failed credit check for £17 a month phone bill.
I tried to apply for an EE £17 a month SIM ONLY deal and failed the credit check. I have had 2 mortgages previously and always paid on time. My current contract is £20 a month that I have had for years with THREE. I am unemployed at the moment and I have never had a job in the UK. I worked abroad for the last 12 years. I…
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Credit Score Query
Despite having a ‘good’ credit score I haven’t been able to shift debt to 0% balance transfers unfortunately. The only negative on my report was utilisation. I had debt over 3 cards and I have now taken a loan (at 17% APR) and paid all three off. My question is do I keep them open with zero balances or close them all to…
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Added to rolling register - what does this mean?
Can anyone explain what this update from Clearscore means? Is it good news or bad news? Nothing has changed and still living at same address for last 30 years. Thanks Electoral roll record added A new electoral roll record will be added to your November report. This means that you've been moved out of the electoral roll…
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Points lost due to a default
Hi, I defaulted on a mobile phone bill in Oct 2019 - my own silly fault. I just buried my head in the sand due to a few things going wrong in my life and I forgot about the debt until I received notification from Experian to say I'd defaulted. What I'm trying to find out is how many points do I lose. I've read somewhere…
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3 Year Old CCJ and Mortgage?
Hey, I have a 3 year old CCJ on my file so obviously a rubbish credit score unfortunately! The rest of my file has no red marks and my payment history is perfect - my car will be paid within the next couple of months and then I will no longer have any outstanding ‘debt’ to repay. My Partner is self employed and has a near…
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Arrangement to pay
Hi there. This is my first post on here and I’m in desperate need of some advice please. Back in December 2019 I had a final bill from E.ON for £197. Due to the fact I had just bought my first property with my partner we were incredibly nervous about any unexpected costs and when E.ON offered me to pay it back over a few…
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Barclay Card Default
Hi all, This is my first post in a long time. I have browsed recently and observed some great tips and guidance so thought I'd raise my issue for some insight into my options. In late 2018 I unknowingly used a Barclay Card credit card I had paid off in full. The card was saved in my Just Eat app and I had clicked on it's…
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Virgin Money Default & Sale of Debt
Hi, first post and looking for some help. I'll give some background first. I got myself into a pickle a few years ago with debt, where the interest was getting to the point I wasn't clearing my debts so I opted to go onto a Debt Management Plan to draw a line under it all and repay what I owed (that was December 2019) Fast…
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Scottish power ruining credit score - not our debt
My partners ex passed away while they were still together. The Scottish power account was in her name, it was her house and is now owned by her children. He's now being billed for a period of time where he didn't live in the property, and the account was never in his name. Now years later we are trying to get a mortgage,…