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Barclaycard not sending info. to CRAs
Over 30 years I have had a Barclaycard,always paid in full monthly,late by 1 day 4 times.I recently thought I would check my credit score through MSE and Money supermarket.They only have 1 credit card listed,which is Capital one card.Contacted Barclaycard and they said,due to a system error your credit information has not…
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Switching with (unused) overdraft - effect on credit score?
Removed original post text in case I can be identified
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Hard search if applying for credit card with own bank?
I’ve had a Lloyds bank account for 20 years. Just done an eligibility check via my online banking for a credit card and said I was pre approved. If I continue with it does it do a hard search or just go off internal bank data about me?
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Think I’ve been a victim of identity theft
I have four searches on my Credit Karma report dated 6th October from Lexis Nexis insurance. Obviously not me, as I don’t have a car and nor have I sought quotes for any other type of insurance on or around this date. I am now terrified that they will have entered completely incorrect details about me that might see me…
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Notifying court of paid CCJ
I’ve recently had a CCJ issued against me due to an unpaid parking PCN. I’ve paid it off in full within the 28 day window and on MCOL it is showing as notified by creditor as paid in full. A few questions I have, as this has already appeared on my ClearScore! - Do I need to do anything else to have this removed from the…
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TransUnion Outdated Information
I'm a member of the MSE Credit Club which recently migrated to TransUnion and I receive a monthly reminder to check my credit report. I noticed that there are very old addresses linked to my credit report, one is from over 20 years ago and a couple of others are from short term rentals immediately following a marriage…
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BT to SKY - BT billing afterwards
Moved my broadband from BT to SKY in August. Had TNT Sport through BT and advised by BT when they confirmed cancellation of broadband that TNT Sport would stop at the same time. No problem with broadband which I have received a final bill for but still being charged for TNT Sport. Numerous chats with BT with each…
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Canopy rent tracking - credit rating improvements?
Hi all, Just wondering if anyone on here has used the Canopy rent payment tracking and noticed improvements to their credit rating as a result, only been using for 5 months but just wondered if anyone has personal experience of it? Thanks
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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?
