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Good Morning
Good Morning Martin, I was just wondering how you could help me with my credit score? I am new to your site, but do watch you on TV whenever you`re on.
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Ccj ended credit score not moved
I paid my ccj 3 years into owing it, 3 years on it has now gone from my credit file a month ago. All over the internet it advises the credit score should increase by 200+ but mine hasn’t moved. Please advise??
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Unknown CCJ on Credit Record
Hi guys, I have read through few posts on the CCJ but didn't find the answers that I was looking for, so creating this new thread. Hoping someone with similar experience can share useful tips. I was trying to buy something online earlier today on an interest free offer and it was declined by the lender. It has never…
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CC Utilization 27-25% check
Is there any importance in reducing CC balances from 27-25%. I've used lemon calculator to check value of this 2% difference, +3xx approx. 27% Utilisation I've referred to Experian report, I think it could be decent starting point. Though is it important to achieve 25% rather than current 27%. This is Non Pay in Full Every…
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declined credit despite having 999 rating on experion
My Dad (74) wats to get credit to lease a pickup. He has perfect credit - a rating of 999 on Experion, but when he did the credit check he was declined. He has doesn't have any debt, has plenty in the bank and we can't understand why he's been declined. The only thing he says he can possibly think of is - he is a landlord…
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Defaults Showing After IVA completion
I entered into an IVA in Apr 18 and competed in Apr 23, My certificate of completion is dates June 23. I have applied for a mortgage and it has been rejected. On checking my credit file 2 of the creditors that were included in the plan are showing as in default until June 23. I was under the impression that the default…
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Affordability Soft Searches
I’ve just applied for a new credit card and noticed soft searches from from for affordability, weirdly no hard search from them, maybe this was the reason why the application was referred, anyways how does affordability work I mean what do they check, do they just check if payments are being paid on time etc, and what do…
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Wrongful CCJ stopping me doing anything
I recently had a wrongful CCJ put in my name over unpaid bills at a previous address which I was no longer living. This is now being overturned and filed by United Utilities. However I was just in the process of looking for a new car after scrapping my old one and now it seems I have to just wait months for this to be…
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Paying Reduced Figures on Defaults
Hi, I have a number of defaults which are approximately 5 years old (some 4). They have all been sold onto 3rd parties and they have been sending me letters offering to pay reduced figures to clear the balances. If I decide to pay the proposed figures, will it affect my credit score (and although I know logically it…
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CCJ removed early?
Hi, both me and my wife had problems with money for a number of years but we're now getting sorted and regularly checking credit reports etc. Yesterday we both found that a joint CCJ that started Oct 19 was notified as being removed which doesn't seem to make sense, the amount is still outstanding and it would be due to…
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Unfair default ruined me for 6 years!
Hi ML/Team/Community, Can you advise me on my situation please, Back in 2016/2017 (I was 25 at the time) I took a personal loan out with HSBC for a period of 4-5years. The first 3/4 of the first year I was always on time when paying the monthly agreed payments. But life hit me and I lost my job. So bear in mind I was still…
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Debt collection letter regarding a BNPL plan taken out by someone else
Hello, we recently received a letter from debt collectors Ophelos regarding a bnpl (buy now pay later) plan from Philips taken out in my mothers name. My mother has never sent money to Philips and we cannot find any transactions related to them. A prove it letter was sent and we were told to take it with up Action Fraud…
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Defaults and DMP
Hi, I’ll try and keep this short. Looking for some help on clarifying the process once a DMP is completed. I finished my DMP (DAS) in may. All accounts are in the process of being settled and all but 1 (TSB) have already defaulted back in 2018. TSB have been registering missed payments forever and I recently got it in…
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Mortgage Arrears - Credit File
Hi all, as stated in the other thread, I've had a very sketchy few years payment wise and we clung on to our house by our fingertips during the worst times. That said, we're on the right path now and have been for a while. I'm trying to sort my credit and noticed my mortgage is showing as missed payment, every month for…
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Energy providers No current Credit Balances.
Noticed SP reporting via EX cra report. Is there any reason why current in Credit Balance isn't reported as showing Zero.
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Did not receive court documents
I recently found out that the energy supplier at my old address has put a CCJ against me but I never received any court documents, they were sent to my old address. When I moved address in March 2023 I advised the energy company of my move-out date and my new address via their app. I also sent multiple emails advising I…
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How long before removed defaults improve chances of credit
Hi, I suffered a financial meltdown in 2018, which resulted in 3 defaults all landing on my account in April and May of that year. The last 6 years has been difficult, as I basically haven't been able to get any high street product in that time, instead relying on credit builder credit cards, and a far from ideal car…
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CCJ not on report
I recieved a letter today stating I have a CCJ against me dated 20th July 2020. This CCJ has never appeared on my credit report from any of the three agencies. I searched the claim number in trustonline and it says the number doesn't exist. How can this be? Are the company telling lies?
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Hard searches within 1 - 3 - 6 months
I recently downloaded CreditKarma following advice on another thread, and finding it really helpful. So it is advising me to avoid opening more than one new account in six months… but… I opened a new account with a hard search end of April, and now I want to do a bank switch of an established account to Santander (or…
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Decrease credit card limit before mortgage application
Morning, I am due to remortgage in August and just taken out a new Halifax clarity credit card to use abroad for holiday later in year. They gave me a limit of £4k. I have just noticed an older card which I have around £1k on (0% rate) but had a massive credit limit of £9k. I have another two CC that I use for day to day…
