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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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Unknown loan on credit file
Hi - have checked my credit file and there’s a loan on there with alliance and leicester dated April 2025 which I have no clue about does anyone have a clue what this could be ??? 🤨
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How long to default?
What I can see now many creditors don’t register default even after 8 or more missed payments! Why they don’t stick to guidance then? Why they delay it so long?
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Will paying off mortgage affect my credit score
My husband has died leaving various life insurance and death in service payouts. I’m about to use some to pay off the mortgage however am concerned paying it off in full may adversely affect my credit score long term. For context I’m 48 and have always had a good credit score. I’ve had a mortgage since the age of 18 and…
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Excellent credit but poor affordability
I'm genuinely confused about how to combat this. I have an excellent credit score with all of the main Credit Agencies but my 'affordability score' is low because it says I have very little disposable income. I earn £37K which is 2,500 a month net. My rent is £800. I have just one credit card payment of £120 then the usual…
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British Gas credit file error blocking mortgage – Ombudsman referral initiated
I’d like to share my ongoing experience in case it helps others. British Gas wrongly registered a default on our energy account in 2022 after creating a duplicate account in error. We raised our second complaint (Ref 29121559) in April 2025, and BG confirmed by phone that their CAIS Team was removing the default. Six…
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Vodafone headache!
Seeking Advice: Vodafone Account Still Showing as Active on Credit File I’m hoping someone may be able to offer some guidance. I have contacted Vodafone on several occasions regarding an active Vodafone account still appearing on my credit file. I fully paid off the account in March and transferred my number to EE shortly…
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IVA with Harrington Brooks
Hi Looking for some advice I previously had and IVA with Harrington Brooks with was completed in 2017 but my credit file is showing the IVA was satisfied in 2020 I have spoken with the company who took over the Harrington Brooks accounts (Financial Wellbeing Group) and although they can confirm i had an account with…
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When should I start paying to debt collector
,Basic rule of thumb, if its defaulted, and gets assigned to a collector, you can pay the debt down if you want to.’ And when I cannot see default registered yet? But debt was already just passed to Wescot. Should I start talk to them or still wait and how long?
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Jc Acquisition LLC
Hi, I’m looking for some information regarding a drop in my credit score. I receive an update on my credit score through my bank on a monthly basis. Now this morning I’ve had a look and it says that my score is down 52 points due to a company called Jc Acquisition LLC. This is the first time I’ve heard of this company and…
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Refused Pay in 3 With Paypal
Seems there is no direct contact with the operators of this site which is very frustrating so hope someone can help me. Seems the reason I was refused Pay in 3 with Paypal because I used my credit card to part pay for a used car. I always pay my balance of on the due date but it isn't the due date for a few weeks so some…
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Part Settlement of Debts in a DMP
Hi, Currently in a DMP with Payplan. All the debts are over 6 years old and no longer showing on credit file. As I have been paying them via DMP, will not be statue barred. So going to offer part settlements. Shall I just go in very low - say offer 20%? Some have offered 40% by post, but not rang any. Thanks
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Cyber Attack - personal data
Just been notified from a former employer that they experienced a cyber incident between Feb 2023 to Sept 2023. The employer has only just notified me of this and I have been given access to a credit reference agency free of charge to check. My concern is that this happened almost 2 years ago and the letter indicates that…
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Default account affecting credit rating
Hello. To cut a long story short, i lost my youngest daughter who was disabled, to pneumonia, and my husband to cancer 3.5 months after my daughter. My income was immediately halved and i had no-one to share the rising bills with, plus i had 2 funerals in close succession, and on top of that my car packed up, so had to get…
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I bought a house and my Credit Score dropped from Excellent to Fair.
Bought a house earlier this year (over 6 months ago now) and shortly after that my credit score dropped from excellent (a couple of points away from 999) down to Fair (867). I'd initially read that changing my address on all my bank accounts etc probably triggered it but that it would update within 3 months and go back to…
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Vodafone appearing on credit report
I cancelled my phone contract with Vodafone in October 2016, yet it's still showing as an active account on my credit report with no outstanding balance. Will this cause an issue and if so how would I go about fixing it?
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What does a Neutral statues or flag mean on your credit file
Hi all, I'm almost at the end of my car PCP, and given the value of the vehicle it makes more sense just to hand it back rather than part-ex it. Ive had a chat with VW finance, and while my PCP ends in March next year, they have said that as I am over 50% of the settlement, then i can hand the car back now any time now…
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ClearScore dropped 76 points
I appreciate that this is very much first world problems and credit scores, particularly on ClearScore, are not an exact science so the answer to this will inevitably be not to stress. However, I’d like to understand thinks better as it feels odd to me. Up until last month my score on ClearScore was around 950 so I was…
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N443
Hi who do I make a payment to for cancellation of £19 tHX
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Do creditors have to default an account?
Hi guys, I was wondering if anyone can help? … long story short. I have an account in default from 5ish years ago. I noticed that the creditor allowed me to miss two payments then allowed me to pay the normal monthly amount to keep it out of the 3 missed payment range, they allowed this for over a year reporting x2 missed…
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ClearScore's lax attitude towards personal data security
I recently tried to login to ClearScore with an account that I hadn't used for a long time. It rejected my login by telling me that my account already existed. Well, duh!! So I thought I'd try creating a new account, but it refused to accept the password that I'd set a few seconds earlier. So I tried a password reset and…
