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Unknown CCJ - Northampton County Court
morning all I desperately need advice. I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't…
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Default when I have arrangement set up prior
Hi, virgin media have added a default on my account. I was surprised as I’d already set up an arrangement to pay them. I left because they increased their prices and they produce a final bill in December. I hadn’t realised I’d have to pay a closing balance, when I got a notification in Feb, I agreed to set up and…
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Credit File arrears
Hi Have a credit file question
hopefully someone can help with. We are in the process of switching
mortgage providers and unfortunately the lender has said there is an issue with
our credit file. This came as a shock as we thought our credit files were fine. We have signed up with checkmyfile to access 3 main providers
and…
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Hmrc debt collector help
So I’ve received a letter from pastdue collecting debt for hmrc (they are a collector for them). I’m a bit confused as I wasn’t aware if the debt and the dates don’t match our accounting dates so I sent a prove it letter. They’ve come back with an email stating the amount the dates (wrong) and owed to hmrc that’s it. I’ve…
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Checkmyfile new website
I’ve noticed that checkmyfile have updated their website. It’s really bad now. I don’t know why these companies bother changing things that already work perfectly fine. It’s harder to read and the layout isn’t as good. Is anyone else having the same issues?
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Credit check reports affordability
My father's credit checks both experian 999 and trans union 608 but MSE affordability one says only 44/100. Since he pays less than half his income in rent 750 , which been told he could pay 830 is retired so can't b made redundant or hours cut has both serps and sainsbury pension i don't understand it at all. He has one…
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Why do they care if I check…?
Hi All, after some opinions or evidence (if it exists) to the following: Why does Credit Karma want me to keep checking my score? What are they getting out of it? I have left the notifications on as I would like to know of any significant changes, but why are they encouraging me to check all the time? Even to the point of…
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BT Sport/TNT - default
Hi Apologies if covered somewhere else. I had an account regarding the above for years. All fine until moved from BT sport to TNT. Then load of access issues with account and watching it. Got fed up and cancelled. They marked my account as defaulting and then settled. What's the best way to get resolved. I had contacted…
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promotion reported
hi all can anyone advise ive took out a new card on 0% balance transfer, its now showing up on credit file its also showing up as not a promotion on the credit file but it for sure 0% as ive double checked on statement till end of dec25 i dont have any intensions of taking anymore credit in the next 12months so should i…
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Hard search when leaving company
Hi all, I posted this last week I think in the energy forum and it may be more appropriate here.. My partner has switched energy providers recently (30/09/24) - he's gone from Eon to Ovo. On the date of the switch, Eon performed a hard search on his credit report. It's knocked his score down 125. He had a final payment to…
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Partner's debt
Hi I live with my partner & we share our bills 50/50. However, whilst I am debt-free, my partner isn't - he owes approximately £9,000, although I suspect it may be more as he is evasive when asked. My concern is that, if his debt becomes unmanageable and he defaults, then my credit rating may be affected by this as I am…
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MSE Credit Club - Transunion Report Incomplete
Does anyone else find that the Transunion reports are far less accurate than the Experian ones used to be? My Transunion report is missing a major credit card and loan how can a major CRA have such omissions?
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Credit File - Financial Association
I moved back to the UK recently. I lived in the UK previously and have a long and good credit history with active accounts and credit cards. On the other hand, my wife is completely new to the UK and only has a basic current account which was opened recently. For my wife, instead of building a new credit history from the…
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credit file
need some information i have excellent credit history but on clearscore i had a dormant account which is showing now which was over months old which i paid off in full the second payment in but for some reason my score has dropped 89 points there is nothing showing on my account all my credit cards has balance of zero but…
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Problem registering with Clearscore
I tried to register with Clearscore but it says I already have an account with them and shows me a redacted email address that I don't recognise. Obviously I'm unable to log in with that email address and the alternative is apparently to take a selfie with some kind of ID to prove who I am. There's a Contact Us button but…
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Moved: CCJ Help and Advise Please
This discussion has been moved.
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Credit report and wrong electoral role/linked address.
I have been having trouble getting a credit card recently which has never happened before and so checked my report today. Under electoral role/linked addresses, there is linked to my account the address my mother in law used to live at and when I expand that, it actually has her listed under the address (which is correct)…
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Getting letters for debts not on my credit report
I moved house last year and have recently been given some forwarded mail. I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report Cabot are claiming I owe nearly £500 for a Capital One CC. I do remember having one…
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Renewed Home Insurance - Hard Credit Check
I just noticed I've had a hard credit check from my insurer for renewing my home insurance. Is this usual - I paid monthly last year and am doing so again this time.
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Mistake in name spelling on loan paperwork
applied for 0% loan thru etailer. Completed by phone. When paperwork was emailed to me there was a spelling mistake. I have two options as presented to me 1. sign and proceed 2. Cancel application (approved so hard footprint) What would you do and why? Thanks y'all
