-
new credit rating searches
I recently opened an account with Experian and few days ago noted 21 searches on the same date (Aug 28) from companies I have never heard of. Any idea wats going on?
-
Experience During and After CCJ
Hi This forum has helped me a lot! So, I will continue seeking guidance and assistance to all the members of this forum I had read several threads about CCJ and maybe my knowledge is still limited so I will outline them. Feel free to comment, add or correct me if I’m wrong 1. CCJ will stay on the file for 6 years and drop…
-
Klarna search for an unsecured loan on my Experian fraud report
Hi, I was just notified by Experian of a search on my Experian fraud report by Klarna Financial Services for an unsecured personal loan quotation for an amount of £599 earlier this month. But I haven't applied for a personal loan. I'm currently in the process of moving house so have a mortgage application ongoing, but…
-
Hard credit search - financial associate
Hi all, I just wanted to check if this is correct. I had a mortgage with an ex partner 17 years ago, we split 1 year after however due to the 2009 market crash the house wasn’t resolved for many years. In the end I had to get a court order to force sale in 2024. The issue is he wanted to buy me out which I was ok with…
-
Help getting AR removed by Scottish Power
Hi, I had a complaint open with Scottish Power back in 2020. While the complaint was open we both agreed I wouldn’t be paying anything until it was resolved. When it was resolved I was 3k in debt to them. I was told I could pay this back monthly with no interest and it would not affect my credit file. I have since moved…
-
Experian credit score
Got turned down for a Very.co.uk credit account so thought I would sign up for an Experian credit score. It tells me it is 999 out of 999. First of all why would I get turned down for credit if that was true and secondly how can it be 999 out of 999 when it goes on to tell me how I can improve it?
-
Old debt effect on Credit File
I have an old debt from Sky TV that I had forgotten about. It isn't showing on my Credit File, however I have received an email from a Debt Collection Agency called CRS requesting payment. I am happy to pay as it's only £66, however I am worried it will then make an appearance on my Credit File and be detrimental. I am…
-
Rebuilding and Building Our Credit Score
Hello All, I'm looking for advise for my partner and I. 1, Me I have bad credit score 510. I did bad mistakes as young guy. As I couldn't pay I reached out to Payplan to manage my payments. I have paid off all my creditors now and my debt is at 0. I believe 3-4 creditors have defaulted me. How can I improve my credit…
-
20 year old debt collection
I’ve been contacted by a debt collection agency with regards to a dept from potentially 20 years ago. I’ve asked for a copy of the credit agreement and they have come back to me saying they can’t get one because of how old it is, but they say, I quote “we believe this remains unpaid”. Now I’m being bombarded with automated…
-
Very - Declined my store card without stating a reason but now shows on credit report
Good morning! Back in March I placed an order at Very.co.uk - They were running a promotion where you'd get a 20% discount on certain items if you open a store account with them.I ordered a laptop and got a decent deal, until they phoned and said that my store card application had been declined. I asked for more…
-
Removing default....
I'm having major issues with Vanquis, notorious for their poor communications, but I feel I really have hit a brick wall. In the process of applying for a mortgage, I found a default on my credit file from Vanquis. I called Vanquis, who said they had sold the debt. So I called the company they sold it to, who said that the…
-
Does difficult parental POA affect personal credit rating?
I’ll try and keep this as brief as I can, but would really appreciate any knowledge or experience in this regard. I have recently been assigned financial POA for my mother who has terminal cancer. For various reasons which I won’t go into we, as a family, do not believe she is of sound mind, but she is very good at ‘faking…
-
Apostrophe issues affecting finance applications
Hi, hoping someone can shed some light on this. Our surname is the format, O'Surname. My husband and I have never had any issues with finance etc. We both paid off our last car finance accounts off and have good credit scores etc. In fact, his score is excellent on all the report checkers. In the past month, he looked at…
-
Rejected for basic bank account despite excellent credit score
Looking to take advantage of their regular saver offer, I applied for the Virgin Money M Account, “a good bank account for bad credit or if you've experienced financial difficulties” but was rejected despite having an “excellent” credit score with Experian and TransUnion. I’m registered on the electoral roll, have 10+…
-
Is this (somewhat unjust) defaulted debt worth paying?
During covid I got a letter from my bank, somehow an account I hadn't used for years was 200 and something pounds overdrawn and they were wanting the balance to be paid. I managed to get into the online banking account and could see that when I had 'left' the bank (the point at which I stopped using the account) the…
-
Credit file: extra protections after extensive data leaks
I, like most people reading this thread, have had our details leaked from government databases: Enough for identity theft. What are you going to do about it? I'm thinking about using CIFAS to put a block on for 2 years because I don't think I'll need credit of any kind for 2 years. Is there a drawback to this? I was…
-
PayPal Credit, Credit Limit Increase
Hi I applied to join PayPal Credit and was accepted but with what I thought was a very low credit limit... my limit is about a 10th of what I had been offered on a previous credit card application. I thought the limit would go up soon and this was just the initial offering... it has never gone up. I like using PayPal…
-
Car Finance recorded an Incorrect Default
Hi my car finance company incorrectly recorded a default against me and i am trying to find a way to have it removed, can anyone help me Bal
-
Credit report from abroad
My wife and I are applying for a mortgage in Ireland. We lived in the UK for 22 months and the bank wants a UK credit report. I happened to do a credit check while we lived in the uk so can access an up to date one, but my wife didn't. It seems impossible to get a credit score without a current UK address. Even if we fudge…
-
15 Year Old Son Fraud
Hi. I need help please. I got a call from a catalogue about someone applying for catalogue credit in my dead mother in laws name. They were passing it to the fraud team. I have since found out it was my 15 year old son. He was just doing it to see if it would work. What can I do here as I dont want him getting into trouble…
