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Should I close credit account?
I only have 1 credit card, only because it's 0% interest for another year. I have no other debts and no other credit accounts whatsoever. I have credit rating in the 990 mark. Today I opened a credit account with Very.co.uk as I wanted to take advantage of their 20% off offer for the first credit purchase. A credit search…
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Quick question on creditor status on my credit file
I have been waiting for my numerous debts to default as advised here having just checked my file for an update one of mine is now listed as ‘closed’ with a balance of 0..and is sitting alongside various long gone cards and bank accounts from the past i assumed that the debt has been sold or something (so technically…
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Incorrect - maybe- electoral roll date
Because I was previously known as another surname, my electoral roll date is about 2 years out. It doesn’t seem to have affected anything, but should I get it corrected? For context I’ve lived here over 20 years.
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Help reviewing consent order please
I discovered a CCJ which I have now negotiated with the claimant be set aside due to the papers being served to the wrong address (I have evidence to prove that the claimant was informed of my correct address). As I feel that I was not responsible for the papers being served incorrectly, I do not feel that I should be…
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clearscore new layout
what a horrible new layout on the clearscore site, why do IT guys keep changing something thats not broken , need to prove your job, skynews have just done this now just waiting for the bbc to follow change it back clearscore its horrible
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Wwyd - irate with o2
A summary of my predicament is: Monday - placed an order for a new mobile with o2. Was told me order had been sent to their credit team for further check and they would reply within 24 hours. Weds - still heard nothing so called o2. Was told they couldn’t get through to the credit team and to wait for an update. Thurs -…
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Phone contract
In May 2023 I took out a contact with Three to pay the monthly charges for a phone for my granddaughter so she could easily contact my daughter or myself if in trouble. Deal done and Direct Debit set up (or so I thought). A few days later I received confirmation of the DD showing my bank details but no payment date. That…
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Sim only contract, why the need for a hard credit search
Its that time of year where you go through finding the best sim only deal. If you are just buying a sim only deal esp for a paltry £8 / month why the need for a hard credit search? Why can't they let people have the option of paying the £96 upfront and set a bar on account spending to mitigate the need for a hard credit…
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PRA Settled Debt, how to improve credit rating.
Hi, I had an issue with misuse of a particular credit card by a 3rd party. When push came to shove, the debt was passed to PRA, and I negotiated a final settlement with them. the majority of the debt was interest, which I objected to paying. However, I made a significant one off payment, which they were very happy to…
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Experian report not showing ccj?
Hello, apologies for double posting, when I spoke with the finance company regarding financing new machinery they said the finance company would run an Experian report on me and I told them before they did this would show an unpaid ccj. however I've just checked my Experian and there's no default or ccj showing however I…
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Bank accounts not appearing on credit history
2 bank accounts and 1 credit card are not showing on my credit rating. This is across the board with Experian and others. Who should I contact to rectify?
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Affinity water credit file issues
I’m looking for some help with some adverse data which has been recorded on my credit file by Affinity water. Affinity water have just gone live with transunion and have started sending data to them. I was in an arrangement to pay which I had been honouring each month to find out they have marked these payment as missed…
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Historic Energy Bill
I have a historic energy bill from 5 years ago, which although providing meter readings I never received a final bill. It has been passed on to a debt collectors as I wanted a final bill before paying. 2nd round of debt collectors are chasing me and just to close the matter and stop being hassled I agreed to a settlement…
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credit rating repairing
Hello I did run a quick search on this but it mainly just brought up credit cards. Im about to finish paying off a ccj I got 3 years ago and only have one default on my record from 4 years ago. currently have a below average credit score. Other than getting a credit card which is what i'm already doing and then paying it…
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Historic debt reduction on credit file. Who does this ? Clearscore has just removed this
Hi - we have been a member of clearscore for a number of years and have paid down a lot of mortgage debt over the last few years. Clearscore had a timeline tracker where you could see month by month your debt reducing, Now they have just 'upgraded' their site and the timeline has gone. Does anyone know who does this ? We…
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Cannot understand why Credit scoring agencies state bills have been unpaid yey they have.
I was recently looking at my credit rating on another site and was dismayed to find that that it stated I had missed installmentnts for paying water bill. A coulple of years ago I set up a repayment plan with Affinity water this was done over the phone, last year I set up the plan on line and continued to pay a monthly…
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Incorrect reporting?
So I checked my credit file yesterday, as I do on a monthly basis and water company has added 5 missed payments with the latest being for this month. I've some historical debt with them from over 3 years ago but for the last few years Ive been paying my bill on time plus some towards the historical areas Can they do this?…
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Credit Score Updates
Had anyone noticed that Santander, Halifax, Barclays and HSBC haven’t updated there data since October 24. Mine is saying data filed on the 6th and 20th of Oct and nothing for Nov. Usually it’s updated at the end of the Month. I paid the majority of my credit cards in September and it’s not filtering through.
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Problem with MSE credit club login - just me?
Been trying to log in for about a week using both safari and edge, getting the same error message. Wondering if it's just me and I need to change a setting or if everyone's having the same issue. Asking now as just saw it promoted in the mse email so figured others might be trying.
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DaS Debt Removed
I'm in a Debt Arrangement Scheme (Scotland). I've been paying for over 5 years. I'm 2 years left. I've noticed all the debts I'm paying in my DaS have been removed from my credit file (Clearscore). Does this mean I'm Debt free? None of the debts appear anymore including my DaS. I've asked Step Change to confirm but I also…
