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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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Transunion cannot verify identity
I checked my Transunion report several times over a few weeks following my email being hacked. No problem in obtaining it. Then suddenly last week when entering my details it says it could not verify my identity (just after entering name, date of birth, address etc - before the page where it asks you questions about your…
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Missed mortgage payment - letter from the bank arrived very late
Hello all, my mortgage bank sent a letter that we missed the mortgage payment (direct debit didn’t go through due to not enough money on the account) This letter arrived on Sat 18th July, but it is dated 3rd July - on the letter itself, while there is no indication as far as I can see on the envelope when was the letter…
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Difficulty removing CCJ after Ombudsman case
Hi, I had a CCJ applied against my name without my knowledge for a debt that I then disputed. The case went to the Ombudsman who ruled in my favour and I was told I would receive GOGW payment and the company would contact the credit agencies to have the mark removed within six weeks. However, this has not happened and the…
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Job lost due to illogical Scottish Power 'alleged debt'
My son interviewed for a job yesterday for which he has been told he has been successful, pending credit checks. They have now come back (today) to say that he failed the credit check, as one of the 'alleged' debts is to Scottish Power for almost £1k from November 2022. HOWEVER, HIS 'alleged' debt is for MY address despite…
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Bank error - Missed mortgage payment
Hi there, looking for some advice on how to handle this issue/complaint. My mortgage lender (Natwest in this case) incorrectly recorded a missed payment on my mortgage back in May 2026. They failed to notify me via any means. No letter, email or phone call. I only found this out when I checked my credit report (both…
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Disassociate Myself from My Twin Sister
How do I disassociate my own credit report from my twin sister credit report? We were born on the same day and share one common name. We both live together and I can’t get credit because I apply and the providers check my sister credit report who is in debt. I have no debt and it is frustrating.
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CIFAS Removed A Year Ago But Banks Telling Me They Still Hold Info On Me
Hello, so i had a 6 year cifas which got removed 1 year ago, i have done 2 DSAR Requests and nothing show on them anymore, ive applied to every single possible bank in the uk and get declined from all of them, i have even go into branches to try and open a basic bank account and still get declined from all, ive done credit…
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Unused credit - best to keep it or close it down?
Looking for some advice please. After much hard work, I have two zero balance credit cards and two zero balance catalogue/store credit accounts that won't be used again. All have poor/sub-prime interest rates of 32%+. My question - Is it better for my credit score for them to show as unused credit facilities (~£5000…
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Bank can see invisible NOC on my or my wife’s file
Hi MSE forum peeps, I’m hoping someone has been through this before because I’m running out of time. We’ve now had **two completely different mortgage providers** tell us that after carrying out a hard search, they’re seeing what they describe as a **Notice of Correction (or some kind of credit lock)** on my or my wife’s…
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the most genius idea ever. we shall guess ur disposable income!
and screw u over forever with our guess! Disposable income Your score is Fair This score shows an indication of the level of spare cash it’s calculated you have left over each month after housing, debt repayments, and other essentials for you and your dependents have been paid. Unlike mortgage providers, credit card and…
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Which apps
Which apps do you use to check your reports? Had Credit Karma and it's far too focused on trying to force feed new credit options, with the full report as a single small link you have to scroll to see and designed to be easily missed.
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Vodafone inaccurate credit markers — payments being made but still showing missed
Body: Hi all, looking for advice and to share my experience as I suspect others may be in the same position. I held 5 Vodafone accounts — originally a handset and line taken out in August 2022, with additional upgrades taken in December 2024. The accounts were terminated February/March 2025 and passed to BPO Collections…
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Mystery drop in credit score
Hi all, Last month, my credit score on Clear Score dropped by 93 points. I've missed no payments for over 2 years, and have had no hard searches. Looking at my report gives no insight at all into what has had this negative impact. What would people advise doing?
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Not our debt
We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE. We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They…
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Missed payments
Hello! My credit rating was excellent, but is dropping due to 3 missed payments from Fuse Energy. I had a direct debit set up but changed provider. After I switched i cancelled my direct debit. The final bill was calculated using estimated readings, including cancellation charges that they said they would waive before I…
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Equifax Credit File
Has anyone checked their Equifax credit file recently and noticed whether a CIFAS marker is showing? I have a CIFAS registration that appeared on both my TransUnion and Experian reports, but there was no trace of it on my Equifax file. After raising the issue and getting nowhere, I took my complaint to the Financial…
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(RESOLVED) EE DEFAULT REMOVED
Hi everyone, I’m looking for advice regarding a telecom default registered by EE in the UK, because I genuinely believe the process was unfair and I’m trying to understand whether I have any realistic grounds to dispute it further. Timeline: I had an EE mobile contract. Around October 2025 I requested a PAC code and…
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Mis-Match on Credit report.
Through no fault of my own, my credit file has been incorrectly matched with someone elses' account. It has since spread across 18 separate lenders, banks, and store card providers. As a result, I am now incorrectly associated with approximately £100,000 of debt belonging to someone else, whose credit profile is…
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Landmark - Recording Missed Payments which were not "missed"!
Landmark - awful, awful company (just look at their Google Reviews and TrustPilot reviews).- I was one of those unfortunate people who had a Northern Rock account which ended up in their hands after the collapse. A few years there was a few financial hiccups and I did the responsible thing and contacted all my creditors…
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Soft credit check turned to be HaARD credit check
Good afternoon, I used the MSE yesterday to check my eligibility for a new credit card. I clicked on 'soft credit check,' and it turns out that this was a hard credit check, as I received credit alerts from my bank. I filled out one form to check my eligibility, but MSE used seven different banks to search my eligibility.…
