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Potential CIFA marker - gambling
Please please help. Yesterday Kroo messaged me on the app to say they were closing my account with immediate effect following review of my account. For the past few months I have been depositing money in and using it on a gambling platform (mystake). I was in a stressful situation, trying to make money (stupid mistake I…
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Current account not showing on any of the credit reference agencies
I have an RBS select current account, it's a very old account, constant activity, wages paid in, direct debits/regular card payments go out, has an arranged overdraft, details appear correct. It's not listed on any credit report. My RBS mortgage is listed on all of them. I also have a Nationwide current account, a few…
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Failed Credit Check - No Reason and no where to find out
My husband and I both want a new mobile phone and deal - however, individually we both failed the credit check and then the company 'closed down conversation' Experian shows us both as score 999 (the highest) and 'Excellent' rating. Have gone back to the phone company but they have stone walled us. I am concerned about the…
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Potential TransUnion issue
I'm a little concerned about my Transunion credit score.. it's a lot lower than my other scores.. to give background: Experian: 999 / 999 (excellent) Equifax: 925 / 1000 (excellent) Transunion: 589 / 710 (fair) Equifax has been 999 for as far back as I can check, small variations with Equifax (current score is normal, and…
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Multiple credit checks
Hi, For some bizarre reason, I've had a soft credit check by Lloyds Bank every day for the last 4 days. It's a bit concerning, as I don't have any nor have I ever had any accounts with Lloyds. I have never applied for a Lloyds product either directly with the bank or by a credit search service such as MSE Credit Club, etc.…
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Mortgage direct debit returned
On 28/10/25 I received a text msg from my bank NatWest to advise I had insufficient funds. I transferred straight away approx 2:30pm that day. I checked the following day and on my NatWest mobile banking the direct debit listing showed as paid. A week later I received an email from my mortgage lender HSBC advising my…
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UK insurance limited
I recently have been trying to lease a new car but my credit score is in the poor sector. I have paid off all my debts beginning of this year, or so I thought. When I downloaded my credit report I noticed I owe £875 to UK insurance limited from 2020. I was confused why I’d never heard of this company or why I didn’t have…
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Identity fraud + disputed CCJ against E.ON Next – need expert guidance
I’m dealing with suspected identity fraud linked to E.ON Next and a CCJ (£770) I did not register. Key points: - Start: Sept 2024, ongoing emails about identity fraud; no evidence of original contract or communications provided by E.ON Next.- 26/03/2025: CCJ/invoice for £770 with no correct email/phone on file; no mail…
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Locked credit report
I cannot log in to my Experian account to unlock my credit report. They have no customer phone number and so you can only contact them via email. They take up to 6 days to reply. I’ve had this issue for 3 weeks and it’s still not resolved. I’m trying to buy a house and need my credit report unlocked for my mortgage…
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Unknown loan on credit file
Hi - have checked my credit file and there’s a loan on there with alliance and leicester dated April 2025 which I have no clue about does anyone have a clue what this could be ??? 🤨
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How long to default?
What I can see now many creditors don’t register default even after 8 or more missed payments! Why they don’t stick to guidance then? Why they delay it so long?
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Will paying off mortgage affect my credit score
My husband has died leaving various life insurance and death in service payouts. I’m about to use some to pay off the mortgage however am concerned paying it off in full may adversely affect my credit score long term. For context I’m 48 and have always had a good credit score. I’ve had a mortgage since the age of 18 and…
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Excellent credit but poor affordability
I'm genuinely confused about how to combat this. I have an excellent credit score with all of the main Credit Agencies but my 'affordability score' is low because it says I have very little disposable income. I earn £37K which is 2,500 a month net. My rent is £800. I have just one credit card payment of £120 then the usual…
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British Gas credit file error blocking mortgage – Ombudsman referral initiated
I’d like to share my ongoing experience in case it helps others. British Gas wrongly registered a default on our energy account in 2022 after creating a duplicate account in error. We raised our second complaint (Ref 29121559) in April 2025, and BG confirmed by phone that their CAIS Team was removing the default. Six…
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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
