-
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…
-
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?…
-
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.
-
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.
-
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…
-
Risk of Identity Theft
‘Royal Mail’ sent me a SMS today prompting me to click on a link to reschedule a redelivery. I haven’t thought it through and stupidly clicked on the link and entered my name, DOB, address and phone numbers. After I clicked next, the site asked me to enter credit card number. It was then when I realised it was a phishing…
-
Help with possible scam please.
Had an issue on Facebook market place where someone wanted to pay in advance for an item I’m selling. I gave her my name, sortcode. Account number. In addition she has my full address as she was about to collect the item. I have contacted my bank and they said about potentially they could set up a direct debit now and have…
-
Experian has locked my credit score without my permission
I wanted to move my credit card balance to a 0% interest and my application was rejected twice by credit cards because they tell me my credit score with Experian is locked. I have never paid for extra facilities with them that would enable me to lock my credit score. I also had to pay to join in order to have a…
-
Termination of account notice (default) help?
I came home today to find a letter from Santander saying they were closing an account I have that was in arrears for £9.95 because of account fee's. I completely forgot about this account and this is the first I've heard about it. Obviously I immediately put money into the account to clear the £9.95 but now I'm worried…
-
Spurious CCJ? Can I dispute?
Hi all, Am new here so any advice would be appreciated. I've received a series of text messages from TM Legal claiming that a CCJ has been granted against me. This stems back to 2020 - I was with Tonik Energy until they went bust, and paid a final figure with them, meaning for a two week period, Scottish Power took over my…
-
Missed Payments on Historic Loan
Looking at my credit files I can see I have 2 loans from lending stream. I actually paid these off in 2022 after forgetting about them for a period of time. I took the loans out in 2015 and received a default notice for both of them in march of the same year. The default notices were not updated to the CRAs, and if they…
-
Experian - "New Credit Accounts" affecting score
Hello everyone, In September I renewed my car insurance and selected to pay monthly. I noticed this month that on my Experian, my credit score tanked by -120. I paid to subscribe to the full version of Experian and it stated that because I created a new credit account with my car insurer, my credit score tanked. My credit…
-
Three sending details to debt collectors after fraud!!
Hi there, For anyone that has dealt with fraud, I feel your frustration. Context - Three sent a letter to pay an unpaid bill but the contract was not taken out by us. After providing details, three said its NOT fraud which is crazy, we got the letter late September. I called Three and they could give NO details of the…
-
Refused Credit
Hello, my partner who normally has a excellent credit score, has been going into her overdraft over the last few months. Will this damage her credit rating? She applied for a Argos card but was declined, will this be the reason why? Thanks
-
Old debt
Hi, I am feeling like an utter fool and hoping for some help. I received a letter from a debt collection agency saying I owed around £1300 and they would proceed to send debt collectors to my home address should I note make payment within 7 days. I did not know what this debt could be, but I researched to debt collection…
-
Experian showing wrong information
I have noticed that experian are showing incorrect information on my credit file: They show thta I have 2 credit cards - no idea why as i do not and have never had. 2nd, they are showing that I have a loan for £361.00. I noticed this in July 24. totally incorrect as I do not have such a load and if i had - by now hte…
-
Late Payment marker for £1
I have a 25 years old account with Lloyds bank I don’t use anymore but keep as I’ve had it a long time. I used it to make a transfer to a payee I had saved on there and it made me OD £40. I meant to transfer funds over when I got home. Any way the account got charged daily interest and ended up £51 overdrawn. Lloyds have…
-
Impossible average credit account age listed, therefore I'm High Risk?
I've just signed up for the 30 day trial of the Experian credit report after the Loans Eligibility Calculator on this website said I had zero chance of getting a car loan. So I did the rounds, checking my scores. Experian rate me at 995 (up ten points since August), but the report lists me as High Risk for account history…
-
Credit reports updating.
Hi all. i have a Barclaycard with a £3590 limit. I had around £3100 on it and received a bonus from work in September which I used to clear most and take it down to a little under £100. This was paid on 18th September. All credit reports show it last updated on 30th September with balance still showing as £3100. It’s been…
-
Help with building credit score
My daughter, aged 44, has got herself into a bad financial state. Finally, attempting to do something about it, she has moved in with us as she can no longer rent until her credit scores have improved. She has signed up with Clear Score, Experian and Equifax, but the scores are very different. Can anyone advise which is…
