Credit file & ratings

TL;DR: Three cancelled my service due to a miscommunication and are charging me for the full two years. How do I avoid the charge and keep my credit report intact? Morning folks, here is the full situation. I requested a PAC from Three and received it in an SMS with the following information: "If you switch today, the…

Hi all, Looking on my credit file last night and found zilch loan on there with £0 as a balance and it's been active for a few years but I don't know who they are or why they are on my file so how do I get them deleted please Kind regards Mark 

Hello, I have just looked at my credit info on the new MSE credit club website. It states that I have no active credit cards. It shows I need to "Start demonstrating responsible credit use". I have had a credit card for ages, which is used regularly and paid off each month. Can anyone advise how I can get this credit card…

Hi everyone, I'm seeking some advice regarding a debt that was originally with Halifax. I then defaulted, and the debt was then sold to Cabot. I’ve been following a payment plan for several years and have paid off about 70% of the original debt. Recently, Cabot has been sending letters urging me to contact them to discuss…

Is it worth it to keep monthly subscription to both Experian and Equifax while having credit to keep an eye what changes are done on my credit file just to make sure that nobody is committing fraud on my account, using my details, taking out loans in my name etc?. Are there any better and cheaper ways to protect oneself…

H I'm a residential director of a non profit making company that maintains our housing estate.Im just a representative for the residents, so have a say on what areas get maintained and the costs we get charged. Is this in anyway going to affect my mortgage application? I was considering just resigning as a director so it…

Hi does anyone know if I would have to undergo a hard credit search if I were to switch my standard current account to a student account (as I have recently become a student). Or could they switch my account type with just a simple soft credit search? I’m fine with soft searches, but want to avoid any hard searches, as…

Hi there! Based in Scotland here, and first time I join a forum of any kind! I just had a financial health check with a senior banker at my bank, and found out I have a lower credit score than expected. Apparently, what impacts it are two things: * the fact that I've recently changed address, meaning that I have only been…

New here wonder if anyone can help In January 2024 I had a notification that my credit score had changed this was on my halifax bank account I was absolutely horrified to see that early January 2024 a CCJ had appeared It was from a property I had owned and sold in 2020 I had informed united utilities I had moved out I…

So in May of last year I was switched from Virgin to O2 for my mobile phone. I had always had great service from Virgin, been with them ever since I first got a mobile phone, but O2 was a nightmare from the word go. I started being bombarded with texts, emails & calls (always from Indian call centres) plus the amounts I…

Evening all, I’m new to this category of the forum , I’ve mostly been over on debt free wannabe areas of the site. i have just finished my second DMP , my first was 2017 to 2021 and my second 2022 until 2024 (last week). Of course , I’ve had a few defaults, the ones from my first DMP have dropped off my file now but I have…

Hi, I've been sent a letter by the courts for an outstanding train ticket fine. They have said I've failed to pay the fine or respond to any letters so now I must either plead guilty or not guilty by the courts which I'm guessing is a Ccj. The problem is this court letter plus the earlier letters all have the wrong address…

I took an 18 month broadband contract with Vodafone July 2018. 3 months later after countless calls to Vodafone, 3 OpenReach engineer visits & a booster later, I could not get a working service in my property and I advised I had to leave due to non-working service. I was charged an early termination fee of £215 which I…

Hi everyone, I'm in a tough spot and could use some advice. Last week, my bank account with First Direct was closed without any warning. I'm already dealing with about £18,000 in debt and planning to enter a Debt Management Plan because of high living costs. I have autism, which makes financial management more challenging…

I have noticed soft searches - ID check by other public body happening quarterly. Any ideas what this is about?

Hello,I need help with some statements in my report from Transunion.There is unpaid balance from Link Financial Outsorcing limited (from Shop Direct). I never signed up or used that account. According to record account is made in december 2019. But i wasnt in UK from december to february and that was already my old…

Hi, I recently found out someone was operating a gambling account in my name & address. While looking ta my credit file, I noticed that SkyBet were running 'Gambling Affordability Checks' on me, which was odd as I don't have an account with them. So I sent an email over and raised a complaint. Asked them to look into it.…

Hello Newby here. I just had a text telling me I'm getting a house call from Resolve Call. It quotes the name I had 20 years ago, and the link is about a debt I had 22 years ago that was paid in full within a year by installments via an Allpay card. I received help and advice from the local community law service at the…

So having had lots of savings, been good with credit for most of my adult life and buying my first house, my life and my finances started to spiral. Trying to make my first home livable with a balance transfer card and an inability to budget I couldn’t understand meant I racked up more credit card debt. I never thought it…

After I log in, the website tries to transfer me to Experian for verification, then the page freezes with the message below. Is anyone else getting this? Does anyone have their customer email address? Thanks.