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CIFAS marker
Hi everyone so recently discovered I have a ‘false identity’ marker on my cifas file. Initially I thought it was only the ‘victim of impersonation’ marker but after I done a DSAR, the victim of impersonation marker has gone but the false identity marker still shows. Has anybody else got this marker and does it stop you…
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credit score low-some say missing payments but none show on report
Hi, I have recently moved house and lost quite a bit in selling my old one which means we had to take a greater mortgage, coupled with being on mat leave my pay has decreased and so I am relying more on my overdraft.These are things I expected to see on my credit report and am confident I can increase the score when I…
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unknown second mortgage showing on Experian
Hi, I'm trying to get a mortgage and have an Experian credit score of 999. Weirdly though I'm being rejected by the underwriter. Today I learnt that there's a Barclays flexible mortgage with 0 balance showing on the report, additional to the existing mortgage. I don't have a second mortgage nor do I know what this one is.…
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CIFAS Marker
My credit score is 993 I’m perfect in all areas and a homeowner , but recently got declined a £20pm SIM card. I looked into it and can’t see anything other than a CIFAS marker due to £1500 identity fraud (facility takeover fraud)few months ago on my very account. Could this be what’s blocking me and if so what can I do…
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StarIng easy saver
Thread passim is closed so.. i’ve been turned down twice for an easy saver. i have recently swapped bank account with no problem, and cc, closing the past ones, aaso I now my scores are ok, The message says they have constraints imposed on them so I think this is their issue not mine. problem is, they are about to stop…
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Surprised to get this from Barclays ...
Sometime ago I had my credit limit slashed by barclays. Limit was reduced year on year after I received a letter out of the blue. I am also aware they slashed many peoples limits without warning. I wrote to close my account .. then received this message in the App. What shocks me despite not missing payments no other…
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Equifax alert
Had an e mail from Clearscore alerting me that a credit agreement is being added to my Equifax report by EE. This agreement was cancelled with a zero balance in February this year so can't understand why its being added to my credit report now. Its not showing on Experian or Transunion I've not contacted EE to query this…
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Mystery debt from O2 has just killed my credit score on Experian
This is my first post here, because I am mystified by something. A couple of months ago a missed payment for £8 appeared against O2 on my Experian. I thought I knew what it was but didn't do anything about it. Then I checked my statement and a £7 dd was going out to them safely every month, so I rang them last week to say…
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ID Theft
Does anyone know what to do if you have your ID stolen and the fraudster applies for numerous applications for loans, credit cards , Hp. There are loads of unknown hard and soft checks on my credit file nothing to do with me. I have reported to action fraud who can't do anything but am terrified on what might happen.…
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Advice needed re: defaulted debt and credit file
Hello, I need some advice please. Years ago I got into debt trouble and defaulted on al my debts and made token payments to them to help alleviate the situation. There were quite a few and have now gone from my credit file. However, I have two accounts with Santander, a credit card and a loan. They were both defaulted in…
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Virgin Money - No Communication
Has anyone had issues getting any form of communication from Virgin Money? I used to have a B account with Clydesdale before it was converted to a Virgin current account when Virgin was acquired. I wasn't informed that this new account has a £4 fee for rejecting direct debits. Fast forward, I have a mortgage application…
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Credit limits and over drafts
I will be making a mortgage application in early 2025 and my current available credit and overdrafts are as below. Will trimming these back be of benefit and is there any reason not to amend limits prior to mortgage applications ? My utilisation of credit is minimal, although I do occasionally make large purchases via CC…
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Moved: Daughters Debt
This discussion has been moved.
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Credit scoring
Hi all. I am in the nice position of having no outstanding debt. No loans, no credit card balance, no mortgage, and I’ve just paid off my car finance. I understand that this may have a negative effect on my credit score, as I’m not making regular payments to anyone. Any suggestions on what I could do to counteract this? I…
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CIFAS Marker - Chance of appeal
Hello, I would like yo know the chance of success in getting a CIFAS marker removed. Background is this: Raised a chargeback with my credit card following a purchase of an item, that did not arrive This was rejected, however I believe that the credit card wasn't happy with the chargeback even being raised, because shortly…
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How long should Linked Addresses be on your file?
Morning..... Just doing a wizz through of finances, and noted on my Transunion report (via MSE) that I have two Linked addresses on my file. They are both over 18 years old......should I request to the providers to remove them "just to keep things tidy" and make sure there is no erroneous links? TIA
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Klarna reported my payment history prior to 1st of June 2022
I recently tried to get an AIP and was denied due to something on my credit file.I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months…
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Paying Off Debt At Discounted Rate - Effect On Credit File?
Hi there, I have a query
regarding the paying off of a debt with a debt collection company. I recently
received a discount offer which was quite substantial (35% of the original sum)
which I would actually be able to pay. I would not be able to afford the full
amount and once I pay this one off I will finally be debt free.…
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Klarna reported my payment history prior to 1st of June 2022
I recently tried to get an AIP and was denied due to something on my credit file. I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months…
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NatWest default dropped off early… afraid!
Hi, I hope this post is in the right place! Having fallen into bad money habits and having difficulty with debt since 2019, I have recently started to get on top of my finances having paid off 5/6 of my debt accounts with the likes of Lowell and Intrum. It’s been hard going but I’m getting there! I had a personal loan with…
