Credit file & ratings

My current PCH with Mobilize comes to an end in Jan 2027. I’m looking at applying for a mortgage around April /May 2027. I spoke to the leasing company today and asked about the possibility of extending beyond Jan 2027, I was told it was too early for them to consider it now and to call back in November. They also said…

I wonder if someone could assist me with this. Today I received a letter from Lowell I believe they are debt collector on behalf of "JD Williams". I have been living at my property for over 5 years and never heard their name before. On this letter there is my name spelt wrong however they have asked me to contact to clear…

I took out a contract with Vodafone in October 2019 and paid £149 by debit card in store for the initial setup fees. The relationship broke down due to personal factors and bereavement grief and no further payments were made. In November 2019 Vodafone suspended the account due to non payment. They subsequently sent an…

Credit reference agency TransUnion will soon score you out of 999, instead of the current 710. Yet while your TransUnion credit score's likely to change, this WON'T affect the underlying data on your credit report – and it's this data that lenders generally use to decide whether to offer you credit Read the full story:…

When using a credit card to build your credit score/rating/worthiness, Martin always says pay it off IN FULL every month. In order to have positive effects on your credit score, do you need to wait for your credit card statement to be generated and THEN pay it off, or is it okay to spend on the credit card and immediately…

Hi, This may be a strange question, but was wondering if anyone would know the answer to this. I held a bank account with Lloyds since I was born in the 80s. When I was older I agreed an overdraft facility with them. At points I was living in the overdraft and other times I didnt need it but still had it on my account.…

We are in our 80's and my email address was hacked. That led to Banks and Credit Card hacked. It has been horrible and a long tale. (No debts & Credit Card just used for 'JL vouchers' and protection if buying a large purchase but always paid balance each month.) We are now registered with CIFAS and EXPERIAN and thought…

I took out a new credit card, a little under 2 months ago, and it has now appeared on my Clearscore file. However, Clearscore is not showing any Hard Searches. Don't banks perform a Hard Search, before issuing a credit card?

I have a 36 month PCP loan which has four months to run, so four payments then the final balloon payment. It has always been my intention to hand the car back at the end, but having seen a good deal on a new car, I hoped that I could pay the remaining four payments now then hand the car back. I realise that I must pay 50%…

Hello. The electoral roll address is recorded incorrectly on my Experian file, though fine with Equifax. My address format is (with address anonymised). 14 Leinster Court, 6 Village Road, Town, postcode. Experian have it recorded as 14 Village Road, Town postcode, which is completely wrong. I have lived here for 13 years…

My thoughts on hard searches are: As long as the hard searches are successful and the open credit accounts is showing on and reporting to credit agencies then the successful hard searches becomes irrelevant to new lenders. New lenders will check the history of the open accounts in deciding new credit applications. Hard…

Hi All, I have recently been contacted out of the blue by Santander stating they are removing our approved overdraft of £1600 from our joint account. We have only dipped in to it a couple of times for small amounts for a day or two in the last ten years. 1091 The letter sent to us did not give a specific reason, just a…

Looking for some advice please. After much hard work, I have two zero balance credit cards and two zero balance catalogue/store credit accounts that won't be used again. All have poor/sub-prime interest rates of 32%+. My question - Is it better for my credit score for them to show as unused credit facilities (~£5000…

I checked my Transunion report several times over a few weeks following my email being hacked. No problem in obtaining it. Then suddenly last week when entering my details it says it could not verify my identity (just after entering name, date of birth, address etc - before the page where it asks you questions about your…

Hi all, I have a PayPal Credit account which is 0% interest, and I regularly overpay it. I’ve never deliberately missed a payment and, as far as I’m aware, I’ve never had a missed payment on my credit file. My monthly payment is £20 but I always pay £30, sometimes more. About 16 days before the actual payment due date, I…

Hi I had a letter from a debt recovery company this morning Moorcroft MDRL chasing a £325.97 debt for Paypal - I'm based in the UK. This is nothing to do with me and I assumed it was some sort of scam. However when googling i saw they're a legit debt company. I contacted them and someone has obtained paypal credit - one of…

Hi, I had a CCJ applied against my name without my knowledge for a debt that I then disputed. The case went to the Ombudsman who ruled in my favour and I was told I would receive GOGW payment and the company would contact the credit agencies to have the mark removed within six weeks. However, this has not happened and the…

Hello all, my mortgage bank sent a letter that we missed the mortgage payment (direct debit didn’t go through due to not enough money on the account) This letter arrived on Sat 18th July, but it is dated 3rd July - on the letter itself, while there is no indication as far as I can see on the envelope when was the letter…

My son interviewed for a job yesterday for which he has been told he has been successful, pending credit checks. They have now come back (today) to say that he failed the credit check, as one of the 'alleged' debts is to Scottish Power for almost £1k from November 2022. HOWEVER, HIS 'alleged' debt is for MY address despite…

Hi there, looking for some advice on how to handle this issue/complaint. My mortgage lender (Natwest in this case) incorrectly recorded a missed payment on my mortgage back in May 2026. They failed to notify me via any means. No letter, email or phone call. I only found this out when I checked my credit report (both…