Credit file & ratings

Hi there, looking for some advice on how to handle this issue/complaint. My mortgage lender (Natwest in this case) incorrectly recorded a missed payment on my mortgage back in May 2026. They failed to notify me via any means. No letter, email or phone call. I only found this out when I checked my credit report (both…

How do I disassociate my own credit report from my twin sister credit report? We were born on the same day and share one common name. We both live together and I can’t get credit because I apply and the providers check my sister credit report who is in debt. I have no debt and it is frustrating.

Hello, so i had a 6 year cifas which got removed 1 year ago, i have done 2 DSAR Requests and nothing show on them anymore, ive applied to every single possible bank in the uk and get declined from all of them, i have even go into branches to try and open a basic bank account and still get declined from all, ive done credit…

Hi MSE forum peeps, I’m hoping someone has been through this before because I’m running out of time. We’ve now had **two completely different mortgage providers** tell us that after carrying out a hard search, they’re seeing what they describe as a **Notice of Correction (or some kind of credit lock)** on my or my wife’s…

and screw u over forever with our guess! Disposable income Your score is Fair This score shows an indication of the level of spare cash it’s calculated you have left over each month after housing, debt repayments, and other essentials for you and your dependents have been paid. Unlike mortgage providers, credit card and…

Which apps do you use to check your reports? Had Credit Karma and it's far too focused on trying to force feed new credit options, with the full report as a single small link you have to scroll to see and designed to be easily missed.

Body: Hi all, looking for advice and to share my experience as I suspect others may be in the same position. I held 5 Vodafone accounts — originally a handset and line taken out in August 2022, with additional upgrades taken in December 2024. The accounts were terminated February/March 2025 and passed to BPO Collections…

Hi all, Last month, my credit score on Clear Score dropped by 93 points. I've missed no payments for over 2 years, and have had no hard searches. Looking at my report gives no insight at all into what has had this negative impact. What would people advise doing?

We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE. We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They…

Hello! My credit rating was excellent, but is dropping due to 3 missed payments from Fuse Energy. I had a direct debit set up but changed provider. After I switched i cancelled my direct debit. The final bill was calculated using estimated readings, including cancellation charges that they said they would waive before I…

Has anyone checked their Equifax credit file recently and noticed whether a CIFAS marker is showing? I have a CIFAS registration that appeared on both my TransUnion and Experian reports, but there was no trace of it on my Equifax file. After raising the issue and getting nowhere, I took my complaint to the Financial…

Hi everyone, I’m looking for advice regarding a telecom default registered by EE in the UK, because I genuinely believe the process was unfair and I’m trying to understand whether I have any realistic grounds to dispute it further. Timeline: I had an EE mobile contract. Around October 2025 I requested a PAC code and…

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…