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Default removed and account re registered
Hello I need some help please. So I had some financial difficulties back in 2017 and had no choice but to default on one of my accounts with three the balance was £500. Now six years later the default was removed from my credit file and three have now re registered it with the balance at £300 which is the correct balance.…
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EV Finance 2 hard searches...
I appreciate car finance can mean at least one hard search and then return for 2nd sometime after applying. My latest Finance shows 2 hard searches one day. Is this correct.
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Victim of Fraud
3 Months ago my husband noticed on Companies House that someone had opened a business very similar name to my business but used MY NAME, DOB but different address in a different county. I emailed and telephoned Companies House explaining what we have found and that i wanted my name to be removed or the business closed…
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Cifas Marker (misuse of facilities)
Hi Lloyds bank put Cifas marker on my name in 16 April 18,so on 17th April 24 I did DSAR and it's been removed from CIFAS database. My question is - 1 - I wanted to buy a house and it's been reserved,what is the chances to aprove the mortgage after kne week of Cifas removed? 2- misuse of facilities marker was not showing…
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Civil National Business Centre CCJs
I could really do with some advice because I am at a loss as to how to contact this court. My Clearscore alerted me to a change to my report in February and I was gobsmacked to see a CCJ from the CNBC added to it, I instantly called them up but could not get through despite waiting for an hour on the phone. I tried them…
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Will this help with my credit score?
I don't have any credit cards or loans. Just a mortgage. I am in need of a loan for a car so will be getting one soon as we have just paid off our PCP finance in full on our other car and need to change to a different car. I want to get an American express CC to rack up air miles. I also want to get a second CC with 0%…
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An Adverse Utility Account settled in 2016 (not bankruptcy) is still on my credit report?
I had a dispute with Npower during 2015 which went to the energy ombudsman and was eventually settled in 2016. There were numerous errors by Npower and an agreement was reached. This was a period where Npower had major billing problems. The adverse account is listed with the 3 agency 'Check My file' (under Experian…
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Creditkarma app v Transunion score on my banking app
For years I’ve only really tracked my credit score using the Transunion scoring, and associated suggestions, via the provision I have with the app from my high street bank. I only have two credit cards, both with that bank. One I barely use but keep open because I can use it for free abroad, and the other one I use for…
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MSE Credit Club: Experian or TransUnion
I know that the MSE Credit club is changing its credit reporting base from Experian to TransUnion. It was no surprise therefore when it showed my TransUnion credit report a few days ago. Now however, it has reverted to showing my Experian credit report. Can I confirm this is also the experience of others on this site.
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JC INTERNATIONAL ACQUISITION LLC
Hi I have just been informed that my credit file has a default account on it. I was furious as I pay all my debts and accounts promptly and on time Searching my history I found this company listed as a default creditor: JC INTERNATIONAL ACQUISITION LLC Now I have no idea why I owe them (they are a debt recovery company) I…
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Santander - We need important information from you
Hi All, I received a letter today saying we ' we need to make sure the information we hold of you is up to date so we can access full range of products and services. This is also to meet UK legal and regulatory obligations. I have an empty current account, however my mortgage is also with them. They're asking for a lot of…
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£281 old debt and now can't get a mortgage
Hello, I hope someone can help me. I have put a chronology below. Because of this £281 old debt I am struggling to get a mortgage, I would be very grateful if someone could advise me. Thank you. * Debt with [COMPANY A] – amount owed £281.72 * 13/4/2020 I attempted to log into my account to pay the outstanding balance but…
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Cancelling CCJ timeline (paid within 30 days)
Anyone have experience of how long it took to get a CCJ cancelled, the court to issue a certificate of cancelling and/or removed from credit file? Partner got a CCj for a parking fine, paid within 30 days, legal company said they’d inform the court but he filled a N443 form as a belt and braces approach. As we were…
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Experian Credit Lock, What Does it actually stop...
mser's I have Experian Credit Lock Alerts via email, suggesting some HP searches were stopped by Credit Lock, which I've been using for ages. Now that it's switched off do those Searches need to be made again. thanks
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Help with AP
Hello, I’m new here. When I got married, my husband had a very bad credit score with a lot of debt. I took over his finance and paid off everything. The last payment was made this month. Few months ago, I checked our report on checkafile. I found out that he had an arrangement to pay on his virgin credit file. We are now…
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Hard Inquiry for refinance advertised as favorable
Experian suggested a refinance of an auto loan that would save $1000 by dropping my interest 1%. Creditor performed a hard inquiry, then contacted my current creditor and came back with the bad news that the interest rate would actually be higher and the only possible benefit would be lower monthly payments. Is this hard…
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Bank Credit Rating
I was diagnosed with Prostate Cancer a year ago. I was about to cross to another job and rather stupidly confessed I'd had the diagnosis. The new company dropped me before I had a chance to sign the contract. This left me without an income and I had to sign on to the ESA. I then asked my bank (HSBC) for a 3 month break on…
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British Gas reporting Missed payment on credit karma
I've just had a notification from Credit Karma that British Gas are reporting i've missed a payment/bill this is wholly untrue has anyone else had this problem ? In late march/april when i logged into my BG account it said i was being transfered to their new system it didn't give me an option to refuse it said my account…
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connection to an address
Hi all I need some help as I just keep hitting a brick wall!! I've recently had some references done to rent a new property, They came back that I have a CCJ I knew I didn't and after some investigation we established it was actually my mother in laws! we both have the same initials and surname! we lived in the property…
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Multiple defaults for the same debt
Hi I have an old credit card debt that I defaulted on although the debt is being paid gradually. A company called Link Financial purchased the debt from RBS and applied a 2nd default so I now have 2 defaults on my credit history for the same debt. Is that allowed/correct?
