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Is an 'AP' marker more damaging than a 'Default'
Hello, I entered a DMP in December 2021. Lender one has agreed to backdate by default to 31/Dec/2021 as a gesture of goodwill. Lender two I still have a complaint open with as they didn't default me until January 2023. My question is what is the best outcome I should ask for? Backdate the default to when I started the DMP…
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Problem getting a new personal loan and also appyling for a credit card.
I work full time and get a reasonable salary. I am also lucky enough to live in a property mortgage free, and have the usual monthly outgoings. I already have both a personal loan and a credit card - I have not missed any payments on the loan, and always make the minimum payment on my card, sometimes more. However when I…
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Total Clear on bank account
I have today noticed a pending payment on my bank account for Total Clear of £34.19. I have contacted my bank and they can’t find any Company details for them, can anyone help please so I can contact them and stop these payments
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Issue logging in to Experian
Hi everybody, As a result of a recent case of identity theft, whereby my stolen driver's licence was used to open at least one mobile contract (that I'm currently aware of) in my name, I set myself up on Experian's Credit Expert system. This allowed me to lock my report and keep a regular eye on any suspicious activity. Up…
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credit score and credit card
can i ask a credit card company to correct an action re. a debt which was cleared but which is affecting a credit score
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Low Transunion Score
Hi all, I have an excellent credit rating (Transunion aside). My score with the other agencies is excellent, yet my Transion score never goes above 600. I am signed up with totally money (who use Transunion) and I get congratulatory notifications saying I have never missed a payment etc. I am hoping to get a mortgage in…
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Repeatedly rejected for credit with high credit score
Hi - I wonder if anyone can help me. I’ve been rejected for credit by two companies (Apple and John Lewis) to get an iPhone on finance. The first one was a soft check so didn’t impact my credit score, so the second wasn’t to do with the first. My credit score is high with all three agencies (e.g. 999 with Experian, 867 on…
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Transunion hard credit search, what do the letters after signify?
Happy new year. I was looking at my transunion credit file through Credit Karma (f/k/a Noddle) and noticed a bunch of letters after the hard credit search I had. I'd applied and got the product, but I'm curious to know what it all means? The entries are below - the italicised words are the ones of interest. Obviously I…
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You need to pay your credit card off IN FULL every month – but do you need to wait for statement?
When using a credit card to build your credit score/rating/worthiness, Martin always says pay it off IN FULL every month. In order to have positive effects on your credit score, do you need to wait for your credit card statement to be generated and THEN pay it off, or is it okay to spend on the credit card and immediately…
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Madison constantly searching my file
Madison constantly searching my file And I can’t figure out why I don’t have clearscore only credit Karma how do I stop this any help appreciated
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Default dilemma. Ideas if any appreciated.
My partner's landlord is increasing the rent from 800 to 850 from April. Cost of living increase. I moved in with her 8 months ago. I'm not on the lease, but we split bills. Landlord offered to hold the rent if I joined the lease to improve security. I filled out the forms. Unfortunately their checks revealed a default…
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Companies House
My details have been used fraudulently to create a new company, making me Director, Secretary and Person of significance. In turn this has led to credit card applications, which thankfully were flagged and the application did not succeed. How in this day and age can Companies be opened with no checks made? Companies House…
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Setting aside a CCJ - error in amount claimed
Hi everyone, would really appreciate some assistance. I've just found out that a CCJ was issued and registered against me this week, all the claim and defence forms and paperwork had been sent to a previous address which I had left 3 months prior to the claim, so I was completely unaware this was all going on. The claimant…
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CCJs on Transunion only - problematic?
Been sorting myself out and I've got one default CC with Lowell that I'm regularly paying back. Did have a CCJ for HSBC that dropped off my account last year (even though only banked with Lloyds since 1990 something) - apparently a HSBC CC from 2007. Anyway, once that dropped off, I got an Ocean CC (Capital One) with a…
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Klarna suddenly declining me.
Hi everyone. I have had a Klarna account for years now and always use it for pay in 3 purchases. It's been successfully used hundreds of times until now. I have a 999 out of 999 credit score, own my own home, never missed a payment for anything in 35 years...but suddenly they are refusing me credit. I have read online that…
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CCJ that isn't anything to do with me
I recently discovered that there is a CCJ against my name - I had no knowledge of this and only discovered when I did a credit check - a mobile phone company have taken out a CCJ for money they say I owe but I have never had a Vodafone contract/phone etc I have tried speaking to them but because I cannot give any of the…
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Getting another car on finance with Bad credit ?
Hi. I am new to this forum and this is my first post. I have an appointment with citizens advice about my debt management, but i feel i want to post this as i am getting anxiety due to how close it is to the end of my PCP contract with my car and would rather some advice ASAP rather then later. So in a nutshell, i have had…
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Creation Credit via Currys
I applied for Your Plan know Curry's website. I received a congratulatory email from Creation welcoming me to the account. Once I registered I was given £2,500 credit which I could purchase goods from Curry's. I went into my store tried to purchase ipad air for £628 on a 9 month plan. ( not interested in paying more so…
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Arrangement to Pay - Removal Advice
Hi, I have an overdraft facility with Barclays on an account that I had not been using. In order to reduce my debt, I asked if we could arrange for the overdraft to be reduced automatically over 6 months. Barclays agreed to a reduction at approximately £700/ month. I didn’t think anything of it however I just got rejected…
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Is my credit rejection an error?
I am retired and lucky to have very high disposable income. I purchased some furniture from M and S over the internet at the weekend. It gave me the option of 24 months interest free credit which I calculated would save me £170 in interest on the £3500 purchase price. It transferred me to Creation Credit and I filled the…
