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accuracy of file
have a question about credit file ..we applied for a mortgage and i paid a loan off prior to application, didn’t declare as didn’t think - have since contacted the lender and told them and gave evidence paid off - it’s still on my file even though says updated today 1st March! the building society has done valuation but…
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Old CCJ, new understanding
A couple of years ago now I was contact by my mortgage provider, informing me of a concerning debt. This was the first step in discovering I had picked up a CCJ for a failure to pay an invoice which I had never received. A very brief summary is: Company A was the maintenance company for a flat I let out. The sent me…
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Car lease/finance with no credit check?
I have terrible credit. But I desperately need a car. I’m a good earner but just have a poor history. I’ve seen a few places that claim you can get a car with no credit check but does anyone have any actual experience and recommendations?
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Experian blocking mortgage application.
My son has applied for a mortgage but Experian are asking for a password from the lender to carry out the hard search. My son has never asked for a password word to be put on his account and Experian admit it is their error. They say it will take 3 days to even look into the error then upto 28 days to solve it,…
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mortgage application help
so I'm 7 days since putting application in with leek utd - valuation was done yesterday - post application I submitted some evidence that a loan was paid off as I noted was still on credit file - I informed the mortgage advisor who said would pass on, heard nothing since and having major anxiety over the waiting - there is…
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updating date of file
on my mse file for a loan it says updated 1st feb , i paid this off in full on the 5th feb - does this mean that my file will update on the 1st march ? and this loan will be gone ?
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Could car finance letter help credit score?
Hi, my son had his car repossessed 2 years ago as he didn’t make his finance payments in time and this has negatively impacted his credit score. He recently received a letter from the finance company stating they have reviewed their policies and procedures, to better enhance service delivery. They awarded him £180…
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Incorrect default on credit file by JC International Acquisitions
Help please, I have just recently noticed on my otherwise healthy credit file a default registered by JC International Acquisitions. On further investigations this seems to relate to an old account I had with Sky. I do not owe Sky anything and the account was closed in 2020. The default appeared in 2024. I have been passed…
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JC International Aquisitions
Late October 2024 I received a letter addressed to me in my previous married name (I re-married in 2021) from BW Legal, advising me I owed £368 and that they had been instructed by JC International Acquiisitions. I used their contact us on their website and asked them to provide further information because I was unware of…
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Missed Payment help
Hi 5yrs ago I had a basic bank account with Nationwide. During my divorce at that time I took my salary to another account leaving this delinquent. I had a continuous payment set up with Payment Assist, who managed to get 2 payments from my zero balance, putting me overdrawn. I didn’t deal with it at the time, and about…
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Default dropping off timelines
Hiya, I have a default that is due to drop off my file 28 Feb 2025 - yayyy!!! When will this impact my credit file please? I'm looking for a loan to buy a car, and getting rates around 10% but am being rejected for the 6% loans although I earn well and have a healthy disposable income, could that default be the cause…
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Mortgage default
I had a mortgage rented out the property the the tenant let her son in who dealt drugs and the place ended up destroyed we gave it up for voluntary repossession there was a short fall of £30,000, we’ve not heard a thing from the mortgage company and this will be 6 years again in December 2025, we really want to by again…
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Mortgage company credit marks
Not sure this is something I can discuss here but I will give it a go! My husband died 4 months ago. It was a massive shock but I still managed to organise all the bills and the incredible amount of bureaucratic bumf that comes with living today. Previously my husband did it all as I still worked (self employed, coming up…
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19 insurance companies on Experian which I have no knowledge of
I tried to upgrade my phone contract over the telephone with 3 mobile on 10th February, and after an hour was told the system had gone down and he would call me back the next evening. He did not call, so on the following Monday I called again, they took me through the credit check and i failed the credit check ( to my…
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proof of loan clearing
so i’m in process of applying for mortgage, had a DIP, in Nov i took out a loan with monzo for £4800, and the house situation has moved quicker than anticipated…anyhow i did some overtime , used some xmas money , no spend jan and cleared this loan . but obv still on file - monzo can’t seem to provide actual proof i paid…
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Upper age limit for credit agency scores
Both aged 68 & 66. We have been married for 46yrs. Only had a mortgage (paid off) One joint credit card which we pay off in full every month - no other debts & £k100 in the bank We decided we were going to update our kitchen so went to ikea - planned chose & even spoke to the kitchen fitters. The ‘ikeaperson’ mentioned 0%…
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DRO discharged but debts showing as active
Hello! I hope someone can help as I’m being passed from pillar to post and getting nowhere! I entered a DRO, discharged in December 2024. On my credit files some not all of the debts included are still showing with an active balance and defaulted payments. I’ve contacted the active companies and they say the balances are…
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Why only 1 bank account showing in ClearScore ?
Someone said online that they had a ClearScore report and it showed every bank account they ever had, including very old ones from a decade or more ago. So I thought it would be interesting to see what it shows. On mine, it shows 2 credit card accounts, that is correct, but only 1 current account, and ironically it is my…
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Credit Report - Incorrect data
Morning Folks, it's a 2 question post. 1: I took a car on HP back in 2017, I paid half of it and handed the car back, it still had a balance of £634, but just ignored it as really was struggling at the time, hence giving the car back. Anyway on the credit report it shows as "Paid and Closed". Yet every month I have a nice…
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Have I been screwed?
I had an Overdraft with Halifax years ago which recently I paid off because I closed the account down. The account was transferred out but the overdraft was not transferred. Now I want to make a few things clear before explaining -They never once asked for the money back, no post, no email, nothing. The balance was around…
