-
New Tenant Rent Reporting App tlyfe by TDS and OpenBrix - any good?
Has anyone used the new tylfe app? I'm considering it after receiving an email from TDS but I already report my rent to two of the three credit reporting agencies using Canopy and Credit Ladder and am wondering if I can get the third or even consolidate them all into one app for free. I can't find any reviews of the new…
-
Equifax shows no searches
Hi, I have recently noticed that my Equifax credit report (via Clear Score) shows zero hard searches, whereas through MSE credit club I can see 4 (rightly so, 3 current account applications and a credit card application). Everything else seems to be correct on clear score, should I be concerned that there's no searches…
-
Three UK 'missed payments' and 'default'
Really am at my wits end with Three. I was a Mobile Broadband customer and placed an order on the 29th November 2022 and opened an account. Then realised it would be quicker to go into store and take out a Mobile Broadband Contract on a rolling basis (England were playing football that evening in the world cup and I was…
-
Old pay day loan advice
Hello. I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago! I have no recollection of this so have asked for evidence. Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO…
-
Unknown Credit
Can anyone give me any idea if this can be resolved please? My daughter and her partner are trying to get a mortgage. My daughter has an excellent credit record but it has come to light that her partner has a bad debt she never knew about. Basically her partner was with another person just under 6 years ago and the ex put…
-
Statutory Credit Report - Creates Hard (Visible) Search
After last night's MLMS I decided to try the credit agency TransUnion and get my only outstanding statutory credit report. What I wasn't expecting was that obtaining this report would leave a hard (visible-to-others) search albeit listed as an ID check. Surely this should have been a soft check? I can envisage this could…
-
Very performed hard check at eligibility stage
Hi there I am a bit annoyed as I was using Very.co.uk's eligibility checker to purchase white goods but then discover a hard search was carried out and now appears on my credit file. I didn't proceed with the application. There was nowhere that mentioned that a hard search was going to be performed beforehand. I thought it…
-
Cabot Settlement offers...
Hi all, I've had a number of cabot offers for debts in my DMP, but not taken them up. As all of the debts are over 6 years old, none appear on my credit record. If I take up a Cabot settlement offer for one of these, will this now show on my credit record as a partially settled debt and will it, therefore, affect my…
-
Would an unpaid medical bill through a debt collection agency end up on my credit report?
Hey everyone, I've recently been dealing with a few health problems. I was unable to receive a scan through the NHS, which left me with little choice but to go through private healthcare in order to determine the cause of my health issues. The cost of the CT scan I had was about £1400. This was self-funded without health…
-
Cabot 70% Discount Offer - Should I accept?
Hey folks looking for some quick advice. I have a debt currently with Cabot. I have been paying it off a £2.50pm. Today they emailled me offering to settle the account with a 70% discount. This looks to me a good deal, but are there any pitfalls of this I may be unaware of?
-
Credit file Impact when borrowing with Klana
I was looking to purchase a speaker system from Sony and the best buy pay later offer is from Klana with 9 % interest over 24 months. Does Klana do a credit check on a credit referencing agency, if yes which one? I don't have a bad credit history, just wondering as I have heard stories in the past that say borrowing from…
-
Studio credit
can anybody help with this question i have, thanks in advance. Everytime I buy from Studio it puts my purchase onto studio credit (because i once made a “considerable” purchase i used to save a bit more money, ever since it just uses the account to purchase things). so when i buy stuff, even that are not expensive, it just…
-
wrong dates with octopus
hi all can anyone help i became a customer of octopus in nov23, dd payments all went through on time checking my credit file online record it has me started correct date, but on the callendar for each month they have got me started ticking from june23, so i have 2 ticks instead of dec and jan i have june23 and july23 will…
-
Electoral Roll on Credit File still shows old address 3 years on!
Hello everyone, Just wondering if anyone can give me some advice on how to deal with this. I moved to a new address 3 years ago and completed an electoral form within the same month as moving in. I have received things in the post since, such as voting information on local elections etc. and I have contacted the council to…
-
Does the German Credit Agency SCHUFA know about UK based credit?
Hi all, I am planning to move to Germany in the near future and wonder what the big Credit Agency SCHUFA knows about UK-held credit and such, in particular for a mortgage application. I am German, but have lived in the UK since 2017. I have a joint mortgage for a house from 2022 (5yr deal) and have been quite active in…
-
MIL collections letter - not my debt - what next?
Hi all, I live in a rented property, recently moved in (early Mach). Received a letter today which was addressed to 'Owner Occupier'. Wasn't sure if i should open it but did. It was a debt collection letter for Shell Energy from MIL collections. I haven't had an account with Shell Energy, and neither to my knowledge did…
-
Why do UK victims of ID fraud have few rights?
Finally a victim of ID fraud at 70. Spent years paranoid about identity security. Shredding everything with identifiers. Not on social media. Not on public electoral role. No-one has any physical access to my papers. Paranoid about PC security. Never use wifi for banking. Never use same passwords anywhere.I find it…
-
I've been ask to supply my statutory credit report
I'm working with a national organisation which provides grants, as well as loans (which I have zero interest in). I've been asked to supply them with my statutory credit report from Experian in order to continue to receive support from them. Can they insist on this? My concern is they're trying to get this info for free…
-
BT - old default on credit file
Hi - first post so apologies if this has been covered before… I recently discovered I have a default dating back to 2016 on my TransUnion credit file (others appear clear) it’s for £41,from BT and I wasn’t aware of it but willing and able to pay this. but I’m stuck in a loop of BT call centres trying to pay this and…
-
Can I remove a default and claim compensation?
I ended a car finance (HP) in Dec 2022 as I took out another loan with lower interest. As part of the loan the lender sent payment directly to the creditor. The creditor chased me on January 23 for non payment. I followed up with evidence of payment (after asking the loan company to send to me). The creditor stated the…
