-
Creation deny reporting a default to Experian and now refuse to get it removed
Hello, I'm in a frustrating situation at the moment and so I'm posting to see if anyone has been in a similar position and if they have any advice. I raised a complaint with Creation in October 2025 because I thought my loan account with them should have been defaulted back in 2019 when it was 6+ months in arrears (as per…
-
Credit reference
Trying to get a credit report but they are asking for a photo upload, is this correct and if so when did they introduce it ? Can you list the main ones to get a report.
-
experian "settled account"
I have had notifications from experian for years and they basically said nothing - today I get one that says I have a "settled account" - means absolutely nothing to me and I can't find out any more info . Does anyone know how you find out what this is?
-
Aviva Zero - Missed Payment - Credit File impact.
Hello, I’m currently with Aviva Zero, and my direct debit was due to be taken yesterday. However, I received a notification from Monzo that the payment had failed because I had forgotten to switch the direct debit back to my main bank account. I contacted customer support via online chat the same day, explained the…
-
What would generate these soft searches?
This is off my Transunion free report accessed through MSE. I was surprised to see a number of soft searches today. I haven't looked online for anything to buy so not sure why these would show up. fyi - I don't bank with HSBC and have never used or needed Jaja or Lendable. Meanwhile I've received an email from Experian to…
-
Worried about CIFAS
long story short, my wife is self employed and had a medical issue which meant she needed treatment and couldn’t work for a year. I was therefore having to cover bills etc until it became too much and I had to enter a DMP. One of the companies I had a loan with I was only able to make 1 payment to, we had hoped that by…
-
Late account on Experian
Hi there. I really need some advice. BacBack in 2012 whilst working for a car finance company, I took out a personal loan with them to consolidate some cards and loans. 2 years later, I was forced out of the company. Unable to find a job for a number of years, I paid them £4.00 to stop the account going into default. Now I…
-
Virgin Media Default Preventing Mortage
Hi everyone I've seen a few of these Virgin Media default threads but seems there haven't been any for a few years so thought I'd ask the community again. We switched to Vodafone from Virgin last year, and were issued a final bill of 100 quid I assumed it would have been taken by direct debit as normal but for some reason…
-
I've been refused for a current account
Can anyone help with a couple of questions regarding credit reference agencies please? Yesterday I tried to open a current account with a new bank, but was refused. I keep a close eye on my credit rating, and with Experian it is good and bordering on Excellent. The only thing I can think of is that the previous day I made…
-
Clearscore/Equifax Correction Query
Hi all, I noticed an error on my profile - a duplicated mortgage with the same provider a while back. I flagged it with Clearscore who said I should contact Equifax. Equifax said I should reach out to my bank. The bank were helpful and confirmed I have one mortgage with them and they would ensure my Equifax record was…
-
Why can’t I access real-time credit reporting on all credit reports?
I’m signed up for the free version of Equifax and Experian credit report and Credit Club. On Equifax and Experian I have to wait a month to a new version of my credit report. On Credit Club I get a new report every time I login (I believe?). Does anyone know why real time access to all credit reports are unavailable?
-
Closing credit card———reduces credit score
so over the last few months ive closed a few of my credit cards….. Closed 2 x Amex and my barclaycard, ..lack of use and increased annual fee etc Why would doing these actions reduce my credit score ?
-
Experian Credit Report
I'm quite well off & consider myself quite financially astute. Now well into my early retirement I have become fairly inactive with regards to credit. I have no mortgage, no loans, no credit cards & only 2 bank accounts, 1 for savings & 1 for current account. Imagine my surprise when I received my regular spam email from…
-
Unknown associate on credit file
Hello all, I’m new here. I’ve had a search but can’t find anything about this issue. I logged into Equifax for the first time to try to track down previous car finance agreements. Unfortunately nothing there, but I was very confused by what I found. There is a financial association listed that I do not recognise. The name…
-
Identity fraud seen on Credit report
I found a hard credit check on my credit report and have had a Notice of Correction issued, changed passwords and reported in on the Police Action Fraud website. Also registered with the Cifas website. Is there anything else I should do? By the way I wasn't given a crime number when I reported it to the Police on-line.…
-
Credit Checks
This is a question out of curiosity. I receive updates from two different companies regarding my Credit score. Both are usually pretty similar. Recently one notified my score had dropped slightly as I was not utilising my credit. The other said my rating had increased as my credit useage had gone down. My overall rating is…
-
British Gas still reporting to CRAs after account was closed
I closed my British Gas account in January 2026 but it's still showing as open with TransUnion and Experian after 2 months. I called them up and they asked me to email a copy of my report (I only took a screenshot of the part showing the British Gas account). This is what they said in their email: •We report to the three…
-
Cifas confusion
Hello, I wonder if anyone can give me some advice? I placed a cifas on my file due to fraud identity. I applied for a new bank account, back in November. I spoke to customer services, explaining i had a cifas on my account and they said I'd need to walk into a branch as they cant help. In January, I finally had a chance to…
-
ID Mobile sent debt to debt collection agency without contacting me first
I was shocked to get a letter from a debt collection agency yesterday for the amount of £18.53 I had no notification from ID Mobile that I owed this amount otherwise I would have paid it. I’m in my 70’s and have never been in debt before, so scared I immediately paid it but now I have the debt on my records. Surely ID…
-
Switching Service Error
Looking for some advice please! I switched banks from TSB to RBS in July 2023 using the Current Account Switching Service. After the switch, it transpired that there was an outstanding amount due of £85.00. I was unaware of this as TSB had failed to update my address once I moved, despite my request for them to do so, so…
