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Credit Score - BNPL
I am thinking to use Paypal Pay in 3 to split the cost evenly for an expensive purchase. Could buy now pay later impact my credit score even if all payments are on-time?
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Poor credit rating cycle
I’m in a cycle of passing loan /balance transfer checks checks in terms of affordability but not credit score. The reason is that I’m using over 90% of my balance on cards. Because of this I can’t seem to get approved to do a 0% balance transfer or loan to pay off. And I’m struggling to reduce the balance since the…
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octopus reported missed payment but not missed!
hi, so octopus had backed-billed me for 9 months as there was an issue with gas/ smart meter reporting. i usually pay bill every month by logging on and paying with debit card. when they back-billed me they added £1000 to my account which i could not pay in one go so spoke to them and paid this off over 3 months and i have…
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Credit Lock Experian
Hello Due to a data breach at my work I was offered Experian Plus free of charge. I had applied the credit lock to my account. It was offered for a year. This has now expired and I am not sure if the credit lock is automatically released or stays in place? I cannot access the account fully without applying for a free…
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PCP 50% VT
Hi I no longer want to keep the car as it no longer meets my needs as it’s EV and I no longer have access to a charger after a divorce. It also has zero change of meeting the GFV… we but any car have quoted £14500. I contacted the finance company as I have reached the 50% paid stage…they are saying to terminate it will…
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Defaults open on credit file
I have two defaults on my credit file from 2017 and 2018 , aren’t these meant to drop off after six years? There is a section in borrowing on the credit file, open and closed, these two defaults are in the open section and I don’t understand why. Currently I cannot challenge this as I cannot match my details so do I have…
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BT & Lowell
Hi looking for help - I owed BT £43 I stepped away from being a customer for a month and rejoined and started my account with them. I was unaware I had a balance of £43 for equipment not returned I can’t find the proof of postage and we are some years on. I only noticed it when I started being contacted by a company called…
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Help needed I'm so worried I can't breathe almost
Hi all I recently went to switch joint accounts as was fed up with our provider,I applied for a new account with Halifax but received a letter 3 days later stating due to there extra checks they can't open the account and referred me to cifas, to my shock horror I've googled this and now I'm worried sick I'm going to be in…
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A new default I don’t remember . How to approach?
Good evening. i hope we are all and enjoying the sunshine!. I have come home the other today from a letter from JC INTERNATIONAL ACQUISITION LLC The letter states I owe £78.00 from a previous sky bill from a previous address. I haven’t been with sky for a minimum of 10 years as this was when I lived at university and I…
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Advise regarding ability to obtain credit after IVA
Hello !! I had an IVA. It has been settled. It was settled on March, 12, 2025. The IVA began on December, 6, 2019. Please, can you possibly advise when the debt on my credit profile will drop off ? Also, what can I do to "revitalise" my credit profile; in case I need to apply for credit in the future ? In addition, can you…
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Credit rating & Bill Error
Sorry if this thread is not in the correct forum, but i couldn't find a credit related forum. Here goes....🙂 I'm mid 50s, always had the highest credit score possible and never got into any trouble with anyone. Then 1 year ago i moved house, and in the process of transitioning from "house A" to new "house B" a utility bill…
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Thames Water applied adverse credit unlawfully - can I claim compensation
Hi, I have two water accounts with Thames Water since 2019. There have always been issues with the receipt of bills at both the addresses since I became account holder. However, I sometimes made payments in good faith expecting to receive bill copies later, however none arrived despite repeated requests. Eventually in late…
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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.....
