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Bankruptcy and credit score
I am into my 7th year of bankruptcy. When will this be deleted by credit agencies? Since my bankruptcy I have never defaulted on any bills.
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Credit Club - disposable income very odd result
On my MSE Credit Club report, the 'Disposable Income' is considered very weak. I'm struggling to understand how - could it be a bug in the algorithm? Combined household income £100k, no kids or financial dependents, mortgage is only £850 a month and is joint, <£70k to repay. How on earth is that a very weak disposable…
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Who are GB Group 888 UK Ltd
I have just received an alert from Equifax of a credit search form GB Group 888 UK Ltd, it has my date of birth, first and last names correct but the middle name is wrong. Does anyone know who GB Group 888 UK Ltd are, i have tried looking on line and Companies House but all I am finding is an address in Wales and showing…
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Default issued in wrong name
Hi there. Sorry if this is a long post. So I’ve been trying to contact British Gas recently about a default they registered on my credit file 4 years ago but has only recently showed up. After my 4th attempt at contacting them, I was told on live chat that my first name had been misspelled. I was told by the chat operator…
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Default drop off after 6 years
So i got into financial trouble years back and got a default with a Credit Card / Store Card this then went to lowell with a default raised as below Default of £345, recorded June 2018 (Reported until June 2024) I started paying lowell back a while back monthly and my question is what happens come June when this drops off…
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Late Payment Registered
Hello all, I am new on here. Just wondering if anyone can confirm the earliest date a late payment can be registered on your credit file? I assumed it was 30 days past due date.. Thank you
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Will this look bad on my Credit Record?
Suppose I used 80% of my Credit Card limit to buy one item (say foreign currency), then paid it off immediately the spend appeared on my card, ie. before the next statement date. Would that go down as high credit utilisation, and look bad on my credit record?
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Credit identification error
Hello, I am hoping someone can help me. I am 24, but since the age of 18 my bank thought I was 14 for 4 years, with the complete wrong date of birth. This has now been rectified This has majorly affected my credit score and credit checks etc. I have several credit agreements with various different suppliers, including a…
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Credit checks and phone contract change before closing. Can you speak to the lender directly?
I have a mortgage approved but move in date isn’t until July. As many know phone contract prices aren’t too great just now and mines going up. My device plan is due to finish later in the year and my term has ended. I’ve found out by moving to a different provider and getting an upgraded phone my contact will go down £24 a…
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Defaults dates IVA
Evening all I entered into an IVA in March 2018 most of the defaults were issued before the IVA started and have therefore dropped off my credit file. However I have 2 that are after the IVA date, one end of April another June, I believed that these should show as default from the same time as the IVA. I have contacted…
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Shop Credit Account - keep open or close?
Hi, I have an account open with Very - I have now paid this account off completely. My question is: should I close this account or keep it open? I have no intention of using the account again.
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Incorrect Broadband Provider on Credit Check
Hi all, I'm trying to transfer my broadband from Sky to Vodafone, as Sky are hiking my price a whopping 13% and so I have a small window to go to another provider. There is a great deal on Vodafone broadband on U Switch - currently offering an extremely generous Amazon Voucher into the deal. Unfortunately, when completing…
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Changing address
Hi all, I recently checked my credit rating which is all good but have a potential issue. I have rented in London for a few years but have kept my bank account registered at my parents address for ease (as in London you often only have a years stability when renting). I am now looking to apply for a mortgage. For my proof…
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Gap in Address History / Changing Flat 8-12 Months Before Buying
I'm seeking advice regarding my current situation. My landlord has decided to sell the flat I'm renting, so I might need to find new accommodation approximately 10-12 months before I intend to buy a property. To save money, I'm considering terminating the lease before my planned trip abroad, which will last for at least…
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How to drop 10 points Experian.
Delighted to view accurate minus 10 points from Experian Score. Why- Make use of 0%VM Offer via Cooker purchase. Is it possibly- 1. I'm using 'More Credit' 2. Percentage of Utilsation has changed. 3. Total Credit Balances have Increased. It's times such as these, I continue to visually check Score anyway. I intend to re…
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Hard Search - How Long
Hi, I've noticed Transunion have some hard searches on my file dating back to July 2022. Are they not suppose to drop off at 12 months?. Thank you.
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Query about CCJ and Cabot Letter
Hi All, Hope this is the right category. I recently downloaded a credit app and found 2 CCJ's against my name. I paid for a trust online report then emailed the courts, no response. I then called and waited 1.5 hours to get the info of the creditors. I have had 4-5 addresses over the last few years and didn't get any…
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Credit club not updating
Any else had any issues with credit club not updating? Mine still says next update 3rd February. I get an error message when I try to look at credit report too.
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Arrangement to pay
I wondered if anyone could help me... I'm currently in the process of applying for a mortgage. I have got an AIP so the next step would be to apy for a full mortgage. HOWEVER... looking at my credit report I've noticed that I have an Arrangement to Pay against my Santander credit card for 1 month (October '22). As far as I…
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Laybuy
After almost 3 weeks of constant emails and online chat with Laybuy, trying to get my money back after the security breech, early February. I’ve received an email, yes an actual response from then! I’ve been refunded the money back today, apparently, I shall keep checking my bank account. So if you were one of many…
