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Sorting out credit cards & credit rating
I'm unemployed currently, struggling and have built up a £5k c/c debt. I've done the sensible thing and moved the debt to an interest-free card. But my credit rating has understandably slipped. I would normally cancel the cards I'm no longer using, but I've read that that actually reduces the amount of credit available to…
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Will partial settlement appear on credit file 9 years after default?
Hi all. Sorry if this has been asked before. Google search is conflicting. Stepchange, Experian not been very helpful. So; I’ve been on a DMP (debt management plan) for 9 years, yes 9 years. I choose that route for various reasons. The DMP is with step change. Anyway: one of debts is still at around £7k (I only owe £8k…
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Tesco Bank and Lowell
I've had some debt issues in the past, all sorted now. I have one CCJ remaining on my credit report. One of the debts I had was with Tesco Bank. It went bad many years ago (more than 6) and Tesco Bank passed it to Lowell (or one of it's subsidiaries). In that time a CCJ was registered. The debt was written off about 3…
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Chances of DMP provider finding out I had to take out a debt?
Hi all, Please don’t judge as this was necessary. I am currently on a DMP with a certain popular provider and have about 18 months left on it. My parents are retired and essentially rather poor (funnily, just like I am). There’s an important expense that came up for them that’s an absolute necessity. I don’t want to dwell…
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Credit Club Confusion
Hi, I am hoping someone can point me in the right direction to find out what this information means on my Credit Club account. The report insights show "you have 1 thing to work on" and when I click on this it tells me that I have recently exceeding one of my credit limits. As far as I am aware, I haven't exceeded or even…
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Securing Experian Account with Password
I had issue with identity theft on my credit report which I am contesting. So Experian have suggested using a password. That is fine except I have to email them the password. My emails were hacked last week and emails are not secure and normally you don't tell anyone your password. Is this normal. This is what they sent…
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Moved: Letter from JC INTERNATIONAL ACQUISITION LLC
This discussion has been moved.
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MSE credit club not available
There seems to be a problem with the website..... desktop computer, not phone or laptop.....
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Credit card limit dropped
Hi everyone. Barclays bank dropped my credit card limit from £7400 to £100 suddenly. There only response when questioned was check you credit report. I did this with Equifax, Transunion and Experian and everything is perfect. I contacted the Financial ombudsmen only to be told they could see nothing unfair as to what they…
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New default query
Good evening, On 19/03/25, my last default expired and I received a notification from Equifax that it had been removed. Fast forward to yesterday and the company have added a new account and the account status shows as default. Are they allowed to do this? I do have an outstanding balance and since seeing up the repayment…
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Can I safely lower my energy Direct Debit?
I'm not sure if this is a daft question or not but I have a DD with Octopus and usually end up being in credit. However, I have a few months of cashflow issues. If I lower the amount and end up being £100–£200 in debit in 3–4 months time will it affect my credit rating? Will Octopus do anything such as increase the DD?
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Incorrect default on credit report affecting mortgage application - advice needed
Hi, My wife and I are in the process of buying a house, but have hit a problem in that our mortgage application has been rejected. Our broker has flagged that this is due to defaults which have been put on my wife's credit report by E.On. These are incorrect as neither of us have ever been customers with E.On - our…
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Indentity fraud. What can I do
I have no loans or debt on credit cards. I had email to check if credits score had changed I was disturbed to find something about missed payment I looked into it and it said 2 missed payments for car insurance to First central management ltd. It says I have balance of £48. Balance in Jan was £340. I took car insurance out…
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Mothers name on my Equifax (via CheckMyFile) credit report but not sure why
So I just signed up for Check My File, and it shows info from 3 different agencies. Equifax has my mother down as my financial associate. When I expand the info it says it was "created by Tesco bank". My parents used to have Tesco bank but many years ago, I myself have never had a Tesco bank. My dad has since passed away,…
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What happens when someone with good credit meets someone with bad credit!
And then they get a joint account together?! I have extremely good credit rating, no issues getting credit, no current debts. No missed payments. No defaults. No ccjs. I have a mortgage. All good. My partner moves in next week after 7 years together. He has 2 defaults and a ccj. 1x Ccj from 2021, 2x defaults from 2019, I…
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Asda Credit Card Under Review
Hi, my Asda Credit Card has been under review since the 27th January 2025. The day it had happened I had only purchased a Sainsbury’s meal deal. I have always consistently paid my card off in full every month without fail. Never let it build up interest. On the day my card went into review, I had no idea until later that…
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Can a creditor arbitrarily reported a default on a DMP?
Apologies if this is the wrong place to ask. For the last 2 years I have been repaying an old debt back with a utility provider. Everything was all fine until recently when they reported a default. This heavily impacted by file, my score dropped like a rock and my credit cards reduced their limits. The following month my…
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Advice on Settling Old Debts That No Longer Appear on Credit File
Hello everyone, I’d appreciate anyone's guidance on settling old defaulted debts and their potential credit impact. Background: – In 2018, I defaulted on accounts with Capital One, Halifax, and HSBC. – These defaults have now dropped off my credit reports (Experian, Credit Karma, Clear Score), and my file reflects a…
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Credit File Dispute
I disputed a bill with an Evergy company in 2023. The couldn’t provide evidence of where the £498 was from but it was due to the systems migration. This has gone back and forth until February 2025 when they said it was still outstanding and needed to be paid as the complaints process found it had provided evidence. I am…
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Lantern Debt Collectors/Moriarty Law
For the past year I have been harassed by the above companies for a debt that I do not owe. They claim I took out a credit agreement with J D Williams and purchased 2 items. I have never had any dealings with JD Williams. They have used my name and a previous address which I haven’t lived at for the last four years. They…
