Credit file & ratings

Through no fault of my own, my credit file has been incorrectly matched with someone elses' account. It has since spread across 18 separate lenders, banks, and store card providers. As a result, I am now incorrectly associated with approximately £100,000 of debt belonging to someone else, whose credit profile is…

Good afternoon, I used the MSE yesterday to check my eligibility for a new credit card. I clicked on 'soft credit check,' and it turns out that this was a hard credit check, as I received credit alerts from my bank. I filled out one form to check my eligibility, but MSE used seven different banks to search my eligibility.…

I had an alert today from Clearscore regarding updated details. When I checked, I found an address in NI added to my Equifax report along with several financial accounts. None of which belong to me, or do I have any knowledge of them. I believe the person has the same name and DOB as me. I remember something similar…

My credit score has dropped (at a bad time as I will be looking for a mortgage in a few months) because I am on the electoral roll for the house where I lived for decades but now am selling (slowly), and my temporary address with my daughter is where I have moved my banking to, since I collect mail irregularly from the old…

At New Year, I moved my outstanding debt to two 0% credit cards. It's been a big help in clearing down my debt, and I'm about a third of the way there. I've also been paying closer attention to my scores with the credit reference agencies. I'm wondering what is best to do to help improve my credit score. Should I: a)…

Hi everyone, I am hoping someone can help with a serious credit file issue involving Lycamobile. They added a default to my wife's Experian credit report without any warning or notification and we only discovered it recently when it caused a mortgage application to be rejected. The Beginning: October - December 2023…

I currently have an £11k limit and used £800 on my currys flex pay/ creation account. Tried to make a £210 purchase today and was rejected. Tried calling creation who advised there aren’t able to advise for a minimum of 24 hours why I was rejected. My concern now though is I’ll have a credit rejection on my file even…

Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…

So, being somewhat paranoid about my credit rating (times were really tough, in the past) I keep an eye on my 'report summary', which has shown a drop of over 100 points, about 10% of the maximum score of 1000. But there's no apparent reason, other than not having a mortgage. I am retired and in receipot of my state…

MSE thread Morning all, Question about my Experian credit score if you don’t mind? On 21st April I transferred a Lloyds credit card balance that was coming to the end of 0% to a NatWest card with a 36 month 0% balance transfer offer (that I found on here so thank you very much for that as well) and didn’t think any more of…

I have a default on my file from Barclaycard dated 26th May 2020, so it will expire at the end of this month. What can I expect realistically? Will I get access to more mainstream credit? Ideally want to consolidate two higher interest loans with one at a better rate if it will be possible. I havent been in this situation…

Hello, I'm in a frustrating situation at the moment and so I'm posting to see if anyone has been in a similar position and if they have any advice. I raised a complaint with Creation in October 2025 because I thought my loan account with them should have been defaulted back in 2019 when it was 6+ months in arrears (as per…

Trying to get a credit report but they are asking for a photo upload, is this correct and if so when did they introduce it ? Can you list the main ones to get a report.

I have had notifications from experian for years and they basically said nothing - today I get one that says I have a "settled account" - means absolutely nothing to me and I can't find out any more info . Does anyone know how you find out what this is?

Hello, I’m currently with Aviva Zero, and my direct debit was due to be taken yesterday. However, I received a notification from Monzo that the payment had failed because I had forgotten to switch the direct debit back to my main bank account. I contacted customer support via online chat the same day, explained the…

This is off my Transunion free report accessed through MSE. I was surprised to see a number of soft searches today. I haven't looked online for anything to buy so not sure why these would show up. fyi - I don't bank with HSBC and have never used or needed Jaja or Lendable. Meanwhile I've received an email from Experian to…

long story short, my wife is self employed and had a medical issue which meant she needed treatment and couldn’t work for a year. I was therefore having to cover bills etc until it became too much and I had to enter a DMP. One of the companies I had a loan with I was only able to make 1 payment to, we had hoped that by…

Hi there. I really need some advice. BacBack in 2012 whilst working for a car finance company, I took out a personal loan with them to consolidate some cards and loans. 2 years later, I was forced out of the company. Unable to find a job for a number of years, I paid them £4.00 to stop the account going into default. Now I…

Hi everyone I've seen a few of these Virgin Media default threads but seems there haven't been any for a few years so thought I'd ask the community again. We switched to Vodafone from Virgin last year, and were issued a final bill of 100 quid I assumed it would have been taken by direct debit as normal but for some reason…

Can anyone help with a couple of questions regarding credit reference agencies please? Yesterday I tried to open a current account with a new bank, but was refused. I keep a close eye on my credit rating, and with Experian it is good and bordering on Excellent. The only thing I can think of is that the previous day I made…