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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…
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Income to use on Finance Application
I very rarely use credit. I am lucky enough to have owned my house outright since 2010 and the only credit I have used since then was taking advantage of a 2-year interest free credit deal on a new bed about 5 or 6 years ago. However, I may soon need to change my car and I was thinking about taking out a relatively small…
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Over £2000 in debt due to wrong information
I hope someone can help. i got an online contract for a mobile with Vodaphone and this was done with carphonewsrehouse. Just after Covid restrictions were lifted I contacted Voda phone to see if they could make my bills cheaper. I didn’t pass security on any of the calls I made as I was told my DON is wrong. After several…
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EE Late Payment Mortgage in Flight
Hey All, I need some advice here because I am so worried. Get ready for a tale: Way back in April I had a rolling 30 day contract with EE. I cancelled the direct debit hoping it would stop the rolling 30 day contract it as I never used it. 30 April: It became due and I asked them to cancel as I never used it. So fair…
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Financial association
Good evening, In May it smears a financial association was created between me and another person. This follows on from a soft search on a mortgage check to see if we could get one. I was under the impression this wouldn’t impact our credit files. Please can someone advise as we have no joint accounts nor have we’re had any…
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PRA Group Personal Reimbursement
Hi, Got a letter from PRA Group regarding a 'personal reimbursement matter' - has anyone else had this kinda of letter? What was the outcome? As far as im aware i have no debts anymore so this seems a bit suspicious. Thanks!
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Ensuring details are correct
Hi, I have recently had a host of issues with Equifax that it has taken hours and months to sort out. I applied for a mortgage and discovered there was incorrect data showing missed payments on a previous loan agreement. There were no missed payments. It has taken months for the finance company to sort it out. However more…
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Question about checking My Credit File
I recently had a problem with Virgin Mobile regarding my monthly direct debit. For some reason it was cancelled by Virgin Mobile and the monthly payment was obviously not taken. I want to check my Credit File to make sure its not showing a missed payment. I know I need to check my credit files that are held with Experian…
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Court Hearing for CCJ and Consent Order Query
I am just wondering if someone can give me some advice please? I recently found out that VCS have issued a default CCj judgment of £277 on my account in regards to an apparent parking fine in 2020. I only discouvered this, after checking my credit score, so I rang the county court for details. It appears VCS had sent all…
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Fraudulent activity from 2020 has now appeared as a default on my credit file!
A fraudulent purchase was made using my details at PerfectHome back in October 2020 - a credit account was created at Barclays for the purchase. Four months of pain later, and the case was resolved - Barclays acknowleged fraud and closed the account and Experian cleansed my credit file. Fast forward to May 2024. A default…
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CIFAS protection and rejection of applications
It appears that some organisations are declining to do business with customers who have taken out CIFAS protection. At present it appears that automated credit file checking produces a rejection notice immediately when confronted with a CIFAS registrative protection ( regardless of the content of the file ). In the…
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Bankrupcy Credit Reference Ending but Missed Payments Remain
Hi I went bankrupt in September 2018 which is nearly 6 years ago and so about to drop off my credit reference files, however, Lowell continued to post missed payments for a year after my bankrupcy on Equifax. Can I get these removed? If so, how can I do this? Many thanks :)
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Closing O2 mobile contract and credit score impact
Hi, Opening a contract impacts the credit score. How about closing a contract? I'm out of the fixed contract with O2. I'd like to close my current running O2 contract and go with the MSE Blagged sim-only no-contract deal. What's the impact, if any? Thanks
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Alternative Equifax Report
My clearscore report has removed all my accounts (loans and credit cards) so was wondering if anyone knew a reliable free credit report which uses Equifax, so I can see if its a clearscore issue or Equifax issue? Thanks
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Decree affecting Credit score, can it be removed Scotland
Hi all. Looking for some advice on behalf of a friend please. Scenario Student Loans company overpaid them by £505 in 2019. Company claims it sent notification of this overpayment in January 2020 (friend never received this). Company have not documented any further correspondence until February 2024 which again wasn't…
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Credit Associations
My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money. I don't have any other joint accounts with him. Help!!!
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Is a 7 year penalty for a single missed payment massively disproportionate?
I have just written to my MP about this issue. Thoughts from the board appreciated. 7 years is along time for one's life to be affected by a single missed payment. "Dear Mr. Rankin, I am writing to express my concerns regarding the current system of reporting missed payments on consumer credit files, which I believe is…
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Default explanation regarding the legal process
Hi From what I can see / understand a default notice on a credit report can only be wiped if 1) The 6 years are up 2) You can show it was a mistake I am correct regarding this ? I ask as 2 weeks ago there was a default notice on my file / now it has gone I received a letter saying a company had brought this ( brought is…
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ERUDIO student loans help
HI, My student loan has recently been sold to erudio student loans company. I currently defer my loan as I am below the salary threshold to pay it back. The letter states that erudio will supply details of my loan to credit rating agencies, something that has never been done before. There have never been any details of my…
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Hard Credit Check HELP! BT ‘Error’
Hey All! I’m hoping there’s someone to help. So, last Friday I was on BTs website attempting to make an order for their broadband. I got through over half of the transaction and I did get just beyond the part where it asked for my direct debit details. Once beyond this point, however, the website crashed and would not…
