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Clear score letter
I have received a letter from ClearScore which says that someone tried to open an account using my details but they have blocked this. I have never had an account with ClearScore. Is this a fraud or a marketing ploy. Do ClearScore send out letters like this?
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Getting fraud off credit report.
Hi, Hopefully someone will be able to help me with this issue I am having. Recently someone used my details to open a credit account in my name with the company Laybuy. The first i heard about it was a debt collection letter from MYCRS. The account is also showing defaulted on my credit report. The issue I'm having is…
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BG reported missed payment
In July this year I switched from British Gas to EDF, I had a direct debit set up and BG took my final payment, I have checked my credit report and BG have a missed payment in August. I called BG and they said I had not missed a payment, then that changed to them saying that I did miss a payment in July as there was still…
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Experian problem
i had to register for the LEEDS online banking andI was unable to answer the questions that EXPERIAN asked. so could not register with the leeds. How can I find out the information on EXPERIAN have on me. one question asked was which current account number did I have and it did not appear on the list they gave me. Also…
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Conflicting Credit Scores from different Agencies
Hi Guys, I could do with some help. I was looking to move home however I needed to get a mortgage in principle. It was joint application with me and my missus. It got declined and the reason they gave was declined due credit rating (or something to that accord). I found it strange as I thought I had a decent credit rating.…
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Bank account opening date and credit
I applied for a finance plan to pay for a larger purchase and it asked how long I had been with my bank for. I thought it was 8 years but when I checked my credit report I realised it was actually 7 years. Will this make a difference? Can the creditor see the date I opened bank accounts?
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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?
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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…
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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…
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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…
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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…
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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?
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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+…
