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AIP failed
Hi I tried to remortgage on a BTL, I went through the AIP process and it failed. They said affordability is fine but it said credit fail(equifax). I dont understand Ive got my credit report no missed payments, ccjs etc. credit usage low around 20%. Im on electoral roll too. Has anyone got any suggestions, I have requested…
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Link.com. Email is this TransUnion?
Hi Both myself and my dad have received an email from 'Link' titled Update to terms of service. Anyone else received this. I assumed it was a scam but thinking now it may be related to TransUnion. Cheers
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Thames water late payment report to cra
I pay my bill when I recieve it via post. Thames water has placed a late marker on my credit file without my knowledge saying I paid the bill late 1 month. I never recieved the bill and am uptodate with all my bills. They refuse to remove the marker and said " having looked at your history although you are upto date you…
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Checking a credit score
Is there any way that I can check on someone’s credit score? I had a tenant who owes me money. Many thousands. I have a ccj against him. He appears to have moved out but will not give me access to my property. He has changed the locks. I got a PI to find him. The ccj is at my rental property. However the PI did not find…
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Default Cabot
Hello, just looking at my equifax record and I have 5 defaults listed with Cabot, from December 2022. I’ve never paid Cabot. And the defaults are from much further back than that, I think possibly 2019? What can I do about these?
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Klarna 0% interest - negative impact on credit score?
Hi there - assuming I pay on time, can anyone advise whether using Klarna 0% interest free finance (payable over 3 instalments) will have any negative impact on my credit rating please? My current credit score is excellent and I don't want to impact this negatively by using Klarna, just for the convenience of being able to…
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Payslip, worried about identity theft
Hello all, hope this is the right forum for this, please let me know if not and I can try to move it. I’m looking for some advice regarding personal information leak with a payslip that was sent to the wrong email address. I’ve seen a few similar questions in the forums, but wanted to try and get some specific advice as…
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New account on Experian
Hi there Yesterday I received an email from Experian, stating that a new account has been added to my file. Upon logging in to Experian, I've noticed that my usually perfect credit score has dipped, and there is a note that I have borrowed £20. I have no need to borrow any money (apart from my mortgage), so this has me…
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"Your debt has gone up by £340 since your previous total balance"
Clearscore says that, at my last update on 17th October, my Barclaycard balance went up from £340 to £414, but I've always paid it off in full, and my balance is currently at £0 again. So why does the fact my balance was higher than the previous one, matter? Isn't spending money on the card, what you're supposed to do?
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Refused Sky Phone Upgrade - nothing significant on credit reports
Hi all. My father (70y) has just twice been refused a new contract with Sky mobile to upgrade his handset. He has been with Sky for 24 years, never missed a payment, seems to mean nothing. Sky have told him it was the credit check that led to denial and that he should contact Equifax, Experian and Cifas. I got him to sign…
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Help with a Capital on Tap guarantee
Hi all, I’m hoping someone with experience of business credit card guarantees or credit reporting can give me a bit of guidance. I was guarantor on a Capital on Tap business credit card. Since the business closed, I accept I’m responsible for the balance personally under the guarantee. I’ve been cooperative from the very…
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Clear Score reporting new unsecured loan has been added
Hi All - I have a question around the ClearScore. Last night I received a message from CS that a new unsecured loan has been added onto my account. I only have one loan - with Sainsbury's, now they have migrated to NatWest, and my loan account with them. There is an info in my CS report saying my Sainsbury account will be…
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Please help, two issues, one default reported late and one default not reported at all
Hello everyone, Saw a few surprises on my credit score and need some advice. First one is this one from Virgin Mobile. Honestly I don't have a clue about this one, maybe I took out a sim and forgot about it, I don't recall making a single payment. The issue is there was no default added on Equifax since 2017, even the…
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Rejected for £2 a month SIM card, but suggestions aren't helpful to improve score
I have been rejected for a £2 a month SIM card after failing a credit check. I have no debt apart from my mortgage, I've moved home once in the last 20 years, earn £51k, have changed job once in the last 8 years, have around £25k in savings, £1000 in my current account, one credit card, which I pay on time and have had for…
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IDMobile credit checks
Has anyone tried to get a deal with IDMobile which is initially accepted for Credit and then fails to give you the credit on the handset? I have found that they cannot tell you why they have a marker against you and will not give credit after saying they would. I then checked Equifax and my credit rating is perfect. There…
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Experian credit report for free
Apologies if this is old news to the regulars here, but I had thought that since the MSE credit club moved over to Transunion, there was no (easy) free access to my Experian credit report. Turns out I was wrong - you can sign up for a free account directly with them, and also get full report access via their app. And if…
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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…
