-
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?
-
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…
-
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…
-
Account Closure Credit Score Impact
Many thanks
-
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…
-
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
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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.…
-
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…
-
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…
-
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.
-
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…
-
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
-
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 -…
-
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…
