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Partner's debt
Hi I live with my partner & we share our bills 50/50. However, whilst I am debt-free, my partner isn't - he owes approximately £9,000, although I suspect it may be more as he is evasive when asked. My concern is that, if his debt becomes unmanageable and he defaults, then my credit rating may be affected by this as I am…
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MSE Credit Club - Transunion Report Incomplete
Does anyone else find that the Transunion reports are far less accurate than the Experian ones used to be? My Transunion report is missing a major credit card and loan how can a major CRA have such omissions?
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Credit File - Financial Association
I moved back to the UK recently. I lived in the UK previously and have a long and good credit history with active accounts and credit cards. On the other hand, my wife is completely new to the UK and only has a basic current account which was opened recently. For my wife, instead of building a new credit history from the…
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credit file
need some information i have excellent credit history but on clearscore i had a dormant account which is showing now which was over months old which i paid off in full the second payment in but for some reason my score has dropped 89 points there is nothing showing on my account all my credit cards has balance of zero but…
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Problem registering with Clearscore
I tried to register with Clearscore but it says I already have an account with them and shows me a redacted email address that I don't recognise. Obviously I'm unable to log in with that email address and the alternative is apparently to take a selfie with some kind of ID to prove who I am. There's a Contact Us button but…
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Moved: CCJ Help and Advise Please
This discussion has been moved.
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Credit report and wrong electoral role/linked address.
I have been having trouble getting a credit card recently which has never happened before and so checked my report today. Under electoral role/linked addresses, there is linked to my account the address my mother in law used to live at and when I expand that, it actually has her listed under the address (which is correct)…
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Getting letters for debts not on my credit report
I moved house last year and have recently been given some forwarded mail. I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report Cabot are claiming I owe nearly £500 for a Capital One CC. I do remember having one…
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Renewed Home Insurance - Hard Credit Check
I just noticed I've had a hard credit check from my insurer for renewing my home insurance. Is this usual - I paid monthly last year and am doing so again this time.
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Mistake in name spelling on loan paperwork
applied for 0% loan thru etailer. Completed by phone. When paperwork was emailed to me there was a spelling mistake. I have two options as presented to me 1. sign and proceed 2. Cancel application (approved so hard footprint) What would you do and why? Thanks y'all
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Severn Trent and Credit reference agency
Good afternoon everyone, I have a question that I can’t find a clear answer for. I had an account with Severn Trent 2016-2018. I didn’t realise there was an outstanding balance when I moved. Due to some personal circumstances this was still outstanding however I am confused at how it is reported with the credit reference…
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MotoNovo and Credit File
Morning all, I need some advice. On July 6th I agreed to a PCP agreement with Car360 with finance provided by MotoNovo. However, 2 days later, having taken the car for a second test drive ahead of purchase I noticed a problem with it so promptly cancelled the sale. Car360 were great and acted accordingly, agreeing to…
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Experian contact details
Hi does anybody know how I contact Experian I have been on my Experian credit file and clicked to contact them online to speak to them about an incorrect entry but it just crashes everytime 🤦♀️ TIA
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What does ‘delinquent’ mean?
I am in a battle with Severn Trent (have another thread on here about this) about their reporting of an account. They have marked my credit file with a 6 for 72 months and it is marked ‘delinquent’ Could someone more knowledgeable than me explain what this means, and the rules about why it wouldn’t have been defaulted. No…
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Help
Hi, I hope someone can help! I'm wanting the find out where these judgements have came from. Where can I find this information please???? Lisa
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Defaults in IVA
I’m currently in a IVA which has another 2 years to run. Though I have noticed that 90% of my defaults have been removed due to being older than 6 years old. What happens to all the money that I pay into my IVA? Hope someone could help.
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Attempted fraud - Hutchinson 3G - Personal Loan
Hello everyone, just looking for some advice Someone has decided to make a fraudulent application in my name with Hutchinson 3G :| It was halted due to my credit file being locked, but the application type is listed as "PERSONAL LOAN" I didn't think H3G was in the business of selling loans, but then I came across a H3G…
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Experian credit lock issues
Hi is anyone having trouble with experian credit lock, long and short i need to apply for a new credit card and my lock is on, can i find how to turn it off now even though i've done this lots of times before. Its as if the option has been removed yet experian keep emailing me saying your credit lock is on, even following…
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Creation & Loan - Credit File Query
I had a loan with creation where sadly I couldn’t keep up with the payments. The Lowell account shows a default date but the creation one don’t on my credit file is this right?
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Notice of Intended Civil Proceedings
I received a letter from NBCS accusing me of fraud regarding a missing package when the package did arrive but the package was empty insidd. so I performed a chargeback and purchased the item in store. Now, NBCS claims “loss”, and I can't afford the £583.99 to pay for this. Additionally, the package was registered under my…
