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Vodafone headache!
Seeking Advice: Vodafone Account Still Showing as Active on Credit File I’m hoping someone may be able to offer some guidance. I have contacted Vodafone on several occasions regarding an active Vodafone account still appearing on my credit file. I fully paid off the account in March and transferred my number to EE shortly…
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IVA with Harrington Brooks
Hi Looking for some advice I previously had and IVA with Harrington Brooks with was completed in 2017 but my credit file is showing the IVA was satisfied in 2020 I have spoken with the company who took over the Harrington Brooks accounts (Financial Wellbeing Group) and although they can confirm i had an account with…
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When should I start paying to debt collector
,Basic rule of thumb, if its defaulted, and gets assigned to a collector, you can pay the debt down if you want to.’ And when I cannot see default registered yet? But debt was already just passed to Wescot. Should I start talk to them or still wait and how long?
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Jc Acquisition LLC
Hi, I’m looking for some information regarding a drop in my credit score. I receive an update on my credit score through my bank on a monthly basis. Now this morning I’ve had a look and it says that my score is down 52 points due to a company called Jc Acquisition LLC. This is the first time I’ve heard of this company and…
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Refused Pay in 3 With Paypal
Seems there is no direct contact with the operators of this site which is very frustrating so hope someone can help me. Seems the reason I was refused Pay in 3 with Paypal because I used my credit card to part pay for a used car. I always pay my balance of on the due date but it isn't the due date for a few weeks so some…
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Part Settlement of Debts in a DMP
Hi, Currently in a DMP with Payplan. All the debts are over 6 years old and no longer showing on credit file. As I have been paying them via DMP, will not be statue barred. So going to offer part settlements. Shall I just go in very low - say offer 20%? Some have offered 40% by post, but not rang any. Thanks
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Cyber Attack - personal data
Just been notified from a former employer that they experienced a cyber incident between Feb 2023 to Sept 2023. The employer has only just notified me of this and I have been given access to a credit reference agency free of charge to check. My concern is that this happened almost 2 years ago and the letter indicates that…
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Default account affecting credit rating
Hello. To cut a long story short, i lost my youngest daughter who was disabled, to pneumonia, and my husband to cancer 3.5 months after my daughter. My income was immediately halved and i had no-one to share the rising bills with, plus i had 2 funerals in close succession, and on top of that my car packed up, so had to get…
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I bought a house and my Credit Score dropped from Excellent to Fair.
Bought a house earlier this year (over 6 months ago now) and shortly after that my credit score dropped from excellent (a couple of points away from 999) down to Fair (867). I'd initially read that changing my address on all my bank accounts etc probably triggered it but that it would update within 3 months and go back to…
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Vodafone appearing on credit report
I cancelled my phone contract with Vodafone in October 2016, yet it's still showing as an active account on my credit report with no outstanding balance. Will this cause an issue and if so how would I go about fixing it?
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What does a Neutral statues or flag mean on your credit file
Hi all, I'm almost at the end of my car PCP, and given the value of the vehicle it makes more sense just to hand it back rather than part-ex it. Ive had a chat with VW finance, and while my PCP ends in March next year, they have said that as I am over 50% of the settlement, then i can hand the car back now any time now…
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ClearScore dropped 76 points
I appreciate that this is very much first world problems and credit scores, particularly on ClearScore, are not an exact science so the answer to this will inevitably be not to stress. However, I’d like to understand thinks better as it feels odd to me. Up until last month my score on ClearScore was around 950 so I was…
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N443
Hi who do I make a payment to for cancellation of £19 tHX
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Do creditors have to default an account?
Hi guys, I was wondering if anyone can help? … long story short. I have an account in default from 5ish years ago. I noticed that the creditor allowed me to miss two payments then allowed me to pay the normal monthly amount to keep it out of the 3 missed payment range, they allowed this for over a year reporting x2 missed…
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ClearScore's lax attitude towards personal data security
I recently tried to login to ClearScore with an account that I hadn't used for a long time. It rejected my login by telling me that my account already existed. Well, duh!! So I thought I'd try creating a new account, but it refused to accept the password that I'd set a few seconds earlier. So I tried a password reset and…
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Unfair Default lodged by Admiral?
Hi folks. I got an email this morning from Admiral saying I'd defaulted on my van Insurance that I cancelled a couple of weeks ago. "Notice of default We refer to your consumer credit agreement ##### relating to an insurance policy with Admiral. Your bank/building society could not pay your Direct Debit instalment of…
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Ex wife CCJ on Shared Property
Hi MSE forumites, My ex wife managed to get a CCJ against her with a Solicitor's firm sticking a charging order on the property (which is jointly owned under a Mesher Order), I've just been refused PCH Car Credit from Ford with little information as to why however the letter states it could be in connection with other…
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Please help me understand how on earth does credit score and dissociation noticework!
Hi. I have been in a relationship for the last 16 years with someone who has bad credit score and will have for significant amount of time. I want to get a mortgage next year, just on myself, my annual salary is something over £45.000. We have been renting the same house for the last 11 years, our both names are on water…
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Credit Club "Credit Insights" wrong
As in the title, MSE Credit Club reports: Credit Report Insights: You have 3 things to work on: *You’re using over 50% of the credit limit on at least one of your accounts -----------No I'm not. Nothing in the Transunion, Equifax or Experian reports suggest this. *You busted your credit limit on at least one account…
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CIFAS Marker Hell
Hi all, Honestly need some help as i’m unsure what I can do next. Timeline: 24th July - Santander accounts frozen and will close in 60 days. Submitted DSAR CIFAS request as advised. 4th August - Cifas comes back clear of everything other than “3 number searches from Santander”. Search included my parents address I lived at…
