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Three mobile - 2 missed payments
I logged into my clearscore file a few weeks ago. I was surprised to find 2 missed payments from Three mobile - 1 for July and 1 for October this year. I wasn’t made aware by Three of any missed payments and the direct debt for each month went through normally as usual. I rang them few days go to put in a complaint…
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Vodafone incorrectly reporting a default and missed payments.
Im not sure if I’ve posted this in the right place but here goes. I’m just wondering if anyone else has been having issues with Vodafone reporting defaults and missed payments. Back in Feb 2018 I paid my finally amount owed in store of 170.67. The account was removed and marked as closed shortly after with Experian and…
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Identity fraud
I’m the victim of identity fraud, and my credit score has been shot. Should I pay for a CIFAS protective marker? Will the police do this as part of their process? Any advice greatly appreciated
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Letting credit reference agencies know I’m unemployed?
Our mortgage is coming up for renewal in a year. When I got it originally I was on a rather large income. I am now disabled with a long term illness, on full PIP and ESA. In that time my credit score has gone up, as I have less debts (car lease returned) and my spending is now minimal as I go nowhere. My question is,…
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What to do ....balance transfer/ Purchase 0% ending but can't get another
Hi All , Need your help on this one . Over last 2 years being doing a major home renovation . On top of existing mortgage , i have borrowed on 7 credit cards . I thought i was being wise as either 0% for purchases or small fee for cash transfers . The borrowing was easy for approval and clearly better than 5.75% , if i had…
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Missed Payment
Hi - Hello, Any advice on the following scenario would be greatly appreciated. I’ve received a missed payment on my credit file from the loan company MoneyBoat. The payment was originally due on the 21st November - the payment has since been paid in full on the 19th December. My understanding is that any creditor must wait…
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Cleared mortgage now score dropping
Hi cleared off my mortgage a month back and have noticed that my credit score has dropped with the above being cited as the cause, just wondering if this is correct?
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Payment of CCJ
Hi all any advice would be gratefully received as I’m a bit lost! In a nutshell: - CCJ dated Sept 2019 for a parking fine I wasn’t aware of (I had stupidly forgotten to change my address with the DVLA so ended up with a judgment in default). The total debt is now around £290. - I only realised I had the CCJ when I checked…
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New Day applying default even though agreed payments have been made.
Hello I had an Amazon credit card with New Day and they apparently stopped providing credit cards but I have been making regular agreed repayments. I recently went on to my credit file and noticed New Day have sold my debt to Lantern and my last payment taken by them was 5th September 2024 and they defaulted me on 16th…
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Credit score
Hi. I opened a new Plum account, set up a direct debit on my linked account and realized my credit score dropped. Please what could have happened and why is my score going down for opening a plum account and setting up direct debit?
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Applying for car sales job.
Hi i am applying for a car sales job but I was bankrupt 3 and a half years ago. I am discharged and no restrictions. I was told by someone that you can’t get a cars sales job because of the bankruptcy record. But no one has given me a definitive answer. They check my credit file after applying for the role but will a…
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Incorrect default added to credit score by EOn Next and compensation
Hi I'm after a little advise here. I recently found out that EOn next had incorrectly added a default to my credit score (confirmed in writing by them), and am still trying to get this removed from my credit score (I've been promised this has been done, but am still waiting for it to filter through onto my credit report -…
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what to do ?
Hi All , Need your help on this one . Over last 2 years being doing a major home renovation . On top of existing mortgage , i have borrowed on 7 credit cards . I thought i was being wise as either 0% for purchases or small fee for cash transfers . The borrowing was easy for approval and clearly better than 5.75% , if i had…
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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…
