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Identity fraud
Someone is using my details to get credit. They have been ordering items online but not paying. I contacted the police,they say it is not against the law to use someone's details in scotland. Police told me that nobody can make me pay as the dont have my bank details. I have contacted the company to tell them about the…
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Nationwide froze my accounts
Nationwide froze my accounts today due to suspicious activity. I had a few payments paid into my account this year from the sale of cryptocurrency on a peer2peer platform so the transactions are from a personal account to my own. Nationwide have found these as suspicious and frozen my account. Has anyone else had this…
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Rejected twice for starling easy saver
Hi everyone, (EDITED) For context I moved to Starling for business and personal accounts in August, they offered me both accounts yet declined the Easy saver twice. I've closed my business accounts with Natwest and kept one current account with them. I moved to Starling due to savings on business a/c rates and their space…
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wrongful ccj issued
I received a ccj on the 20th Aug from the civil national business centre. The reason i received this was due to documents not being sent back to the them. Twice i done this thankfully via recorded mail, they admitting it was their error and my information had been lost... thats the good news! Since then ive resubmitted the…
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Date of 'bad event' on credit file
Hello all I have a question about the date a 'bad event' is registered on someone's credit file. The reason I say 'bad event' is that I'm not clear which event I should refer to, but what I mean is the event that is marked on the credit file, has a hugely negative impact on the credit score and makes it extremely difficult…
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How up-to-date is credit file data held by mortgage lenders?
Hi All, First time poster here but long time lurker! Would appreciate any help with the following question, which has no doubt been asked in a similar way before - however this time may be slightly different. Short back-story - I had a £91 default incorrectly registered with the three recognised CRAs by BT. Took ages for…
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Opos letter… old debt and credit score
Hi, I’m looking for some advice and everyone here seems really knowledgeable, so hope you can help. I’ve always been a bit useless with money. Took out payday loans & store cards when I was younger and got myself into debt. Have worked hard to get better, pay all debts off and get my credit score up as hoping to buy a…
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Missed payments or over credit limit??
Going to be short of cash in December. In order to guarantee paying my mortgage I will need to potentially miss a couple of credit card payments or go over limit. Which would have the least effect on my credit report?
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Denied phone contract
Hi everyone If anyone could please help I would really appreciate it! I've tried to buy a phone contract with Affordable Mobiles earlier this week and the order was cancelled. When I rang to ask why they just said it was a security decision and couldn't tell me why! My credit score is 597 according to Money Supermarket.. I…
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Credit Cards - Dormant Cards, Underutilised Credit Limits - Help or Hindrance?
I will be looking for new line/s of credit soon for important home improvements (new boiler etc). I'd like to have the best chance of getting additional credit and hopefully at a favourable rate. Lines of credit under consideration are: Interest free credit from a supplier New credit card with interest free balance…
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Account Closure Credit Score Impact
Many thanks
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Electoral roll query
Good evening, In August, I applied to go on the electoral roll at my new property. I was under the impression that it took 6 to 8 weeks for credit reference companies to be informed. None of them have. I spoke to the council involved and they said I was registered. Today they provided me with a letter confirming my…
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How to print my MSE credit report
Hi - I need to send my credit report to the mortgage broker, but I can't see how to print a report in MCS Credit Club. Is it possible? I searched the forum and the only other question had a link which is broken, from 2007. TIA
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Rejected mobile contracts
Hi, I have a credit score (thanks to Martin) of over 900, yet I've been rejected for an additional phone contract at Vodafone and can't reapply for 90 days. I've also been rejected for a new phone contract at EE and can't reapply for 30 days. I've not moved house or changed my bank in decades, so does anyone know why I…
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Default date right or wrong?
Hi I’m currently doing research into my credit file as will soon be applying for a mortgage but in 2018, I defaulted on a loan. I question the date as I have had written confirmation that the default on my account occurred in December 2018, however the “date of default” on my credit report states March 2019. As I…
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Vodafone Credit Check Refusal
I’ve posted this in the mobiles area too so apologies but wasn’t sure which would get seen better or have the better expertise for this one. Trying to sort out a new phone contract for my sister. Her credit rating is decent enough (867 on ClearScore) and no CCJs etc. She does have quite a large amount owed (£6k) on cards…
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Missed payment on someone else's account
Hi all just joined to find out if there's anything that can be done about the following situation, I woke up this morning with a notification that something has changed on my credit file, logged in to find it's a missed payment to Three phone contract, I've never missed a payment so phoned them up to be confirmed that no…
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I bought books from what looks like a dodgy site
So I created an account on a site - (in hindsight I should not have) to buy 3 books for my kids, I used a credit card to pay but not received any emails since the order email. I tried calling the number but it goes nowhere so it looks like its a site to capture details of unsuspecting users like myself. Now how do I…
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Debt Collector Searches on Credit File
I've just had an update to my Equifax Credit Report, and while everything is looking good I can see there is a heading I've never noticed before called 'debt collector searches' I don't recall ever having seen this heading before, is this a new thing, and under what circumstances can debt collectors mark my report with…
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Anyone use an ID Monitoring Service like Vodafone Securnet?
Long and short is that I want to protect myself against ID Fraud and just wanted to know what everyone does - or services they use. I was particulalry interested of the ID Monitoring part.…
