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New banking switch offers
Hi so I'm looking to take advantage of the new tsb and Lloyds banking switches I have some dummy accounts but not with direct debits setup. My question is if I setup 3 direct debits on them today can I immediately switch for the offers or must I wait until those DD payments actually go out of my account ?
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I should be getting loans easily but being refused
My salary is over 27k before tax, put 500 of that a month into sharesave anyway lucky I no longer need a loan but when I did even though my credit rating really good never missed credit card payment never missed a mortgage payment, and use to be on full credit card payment now or minimum, also have a overdraft never gona…
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Cannot get access to New MSE Credit Club platform
Not sure where to post this topic, but I am unable to access the new MSE Credit Club platform. I had access to the previous service, and have recently received an email saying I am invited to use the new platform. But, I keep getting an issue where it says my login attempt was not successful (see picture below). I have…
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Random address on Transunion
I've discovered that there is an address (near where I live) that is mentioned on my Transunion report (via Credit Karma and Totally money). I am not and never have had any connection to that address. Also, the address where I actually live has been listed twice - with different dates. When I go to transunion for a…
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Please help. 3 defaulted accounts.
Hello, I am certified accountant in the UK. My credit score
has been ruined due to 3 defaults(for £700 amex, £195 vodafone and £100 I don't
remember what it was).
All defaults are happened at the same time a year ago between Jan 2023-May
2023. It used to be extremely high, but now It is that low, so I
can’t even dream…
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Defaulted Virgin account from 2017
Help and advice very much appreciated. I have a mental health disability and finances are a major trigger for me. I'm working towards fixing my credit file, but I have a recorded default with Virgin Media on my Equifax report. The account says opened May 2017 and last update April 2021. I am seeing missed payments for…
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linked address to my experian credit report that i don't recognised
Hi all Looking for some advice I've applied for re-mortgage and been declined as they said it's something on my credit report. I then gone the Experian to see what's on the credit report and noticed that there's a linked address that I do not recognized nor I know anyone that lives at that address. I was a victim of…
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Missed Payment Drop Off
If a credit file has some missed payment markers for the same company spreading for example July 2018-Nov 2018, for the same debt. Do these all fall off together when the first missed payment marker hits 6 years or do they all fall off one by one each month?
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What is zilch loan and getting them removed
Hi all, Looking on my credit file last night and found zilch loan on there with £0 as a balance and it's been active for a few years but I don't know who they are or why they are on my file so how do I get them deleted please Kind regards Mark
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British Gas adding accounts
I'm with British Gas have been for years. I am regularly getting notifications from clearscore that a new account is being added. When I check British Gas are removing gas and electricity accounts and adding new ones. This has happened 3 times so far. I know the score isn't real but according to their scores mine goes…
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missed payment on credit file error - how to resolve?
Hi all, Looking for some help - during Shell Energy transferring over to Octopus early this year we received a bill from Shell, however, when it has come to paying this shell energy is now closed. We contacted Octopus to make this payment to them since accounts were transferred and now there is no record of it so they are…
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Transunion
Just a polite warning to check your credit file. There were several mistakes on mine, which affected my score. An example being how long I had resided at my address. It stated less than 2 months, when it should have said 7 years 7months. I had to email the electoral register in my council. They then sent me an email which…
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Credit check failed for transfer from pre-payment to credit meter with utilita
I recently bought a new house where the existing energy meter payment option is pre-payment, and when I tried to change it to a credit meter I failed the credit check. I checked transunion (the credit agency used by utilita) which sent me to checkmyfile when I tried to find my credit score (I presume checkmyfile is part of…
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CCJ question
My credit file is poor with a few defaults, but the worst thing was a CCJ.This has been paid in full but the 6 years expiry was on 15/05/2024 so it should have dropped off my file on or shortly after that date. This was my one and only CCJ. How long should I wait before I expect to see an improvement in my credit score? I…
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Default twice
So I have an outstanding balance on a defaulted account with Three which was 6 years old a few months ago and was removed from my file. They have now re registered the remaining balance and are registering missed payments on the 20th of each month. I now have 2 and will be due to get the 3rd on 20th June my question is can…
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CREDIT CHECKS FOR NEW APPLICANTS
Does anyone know why some banks do not appear in one's credit file with Experian or Equifax? If these records are partly there to prevent fraud should all banks be on there?
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Tricky Three situation - they've got me by the credit reports
TL;DR: Three cancelled my service due to a miscommunication and are charging me for the full two years. How do I avoid the charge and keep my credit report intact? Morning folks, here is the full situation. I requested a PAC from Three and received it in an SMS with the following information: "If you switch today, the…
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TotallyMoney vs CreditKarma vs ClearScore
I already use CreditKarma and ClearScore. Is there any benefit in signing up with TotallyMoney?
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No Credit Card on MSE Credit Club
Hello, I have just looked at my credit info on the new MSE credit club website. It states that I have no active credit cards. It shows I need to "Start demonstrating responsible credit use". I have had a credit card for ages, which is used regularly and paid off each month. Can anyone advise how I can get this credit card…
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Legal Advice Needed on Debt Collection Practices
Hi everyone, I'm seeking some advice regarding a debt that was originally with Halifax. I then defaulted, and the debt was then sold to Cabot. I’ve been following a payment plan for several years and have paid off about 70% of the original debt. Recently, Cabot has been sending letters urging me to contact them to discuss…
