Credit file & ratings

Hello All, I'm looking for advise for my partner and I. 1, Me I have bad credit score 510. I did bad mistakes as young guy. As I couldn't pay I reached out to Payplan to manage my payments. I have paid off all my creditors now and my debt is at 0. I believe 3-4 creditors have defaulted me. How can I improve my credit…

I took out some cash yesterday to buy something off Facebook marketplace. I accidentally used my credit card for the withdrawal; I just took the wrong card out of my purse and didn’t realise. Later in the day I logged into my online banking app and realised my error. I immediately transferred the amount from my current…

Hi, hoping someone can shed some light on this. Our surname is the format, O'Surname. My husband and I have never had any issues with finance etc. We both paid off our last car finance accounts off and have good credit scores etc. In fact, his score is excellent on all the report checkers. In the past month, he looked at…

I'm having major issues with Vanquis, notorious for their poor communications, but I feel I really have hit a brick wall. In the process of applying for a mortgage, I found a default on my credit file from Vanquis. I called Vanquis, who said they had sold the debt. So I called the company they sold it to, who said that the…

Looking to take advantage of their regular saver offer, I applied for the Virgin Money M Account, “a good bank account for bad credit or if you've experienced financial difficulties” but was rejected despite having an “excellent” credit score with Experian and TransUnion. I’m registered on the electoral roll, have 10+…

Hi I applied to join PayPal Credit and was accepted but with what I thought was a very low credit limit... my limit is about a 10th of what I had been offered on a previous credit card application. I thought the limit would go up soon and this was just the initial offering... it has never gone up. I like using PayPal…

I, like most people reading this thread, have had our details leaked from government databases: Enough for identity theft. What are you going to do about it? I'm thinking about using CIFAS to put a block on for 2 years because I don't think I'll need credit of any kind for 2 years. Is there a drawback to this? I was…

Hi my car finance company incorrectly recorded a default against me and i am trying to find a way to have it removed, can anyone help me Bal

My wife and I are applying for a mortgage in Ireland. We lived in the UK for 22 months and the bank wants a UK credit report. I happened to do a credit check while we lived in the uk so can access an up to date one, but my wife didn't. It seems impossible to get a credit score without a current UK address. Even if we fudge…

I very rarely use credit. I am lucky enough to have owned my house outright since 2010 and the only credit I have used since then was taking advantage of a 2-year interest free credit deal on a new bed about 5 or 6 years ago. However, I may soon need to change my car and I was thinking about taking out a relatively small…

I hope someone can help. i got an online contract for a mobile with Vodaphone and this was done with carphonewsrehouse. Just after Covid restrictions were lifted I contacted Voda phone to see if they could make my bills cheaper. I didn’t pass security on any of the calls I made as I was told my DON is wrong. After several…

During covid I got a letter from my bank, somehow an account I hadn't used for years was 200 and something pounds overdrawn and they were wanting the balance to be paid. I managed to get into the online banking account and could see that when I had 'left' the bank (the point at which I stopped using the account) the…

Hi. I need help please. I got a call from a catalogue about someone applying for catalogue credit in my dead mother in laws name. They were passing it to the fraud team. I have since found out it was my 15 year old son. He was just doing it to see if it would work. What can I do here as I dont want him getting into trouble…

Good evening, In May it smears a financial association was created between me and another person. This follows on from a soft search on a mortgage check to see if we could get one. I was under the impression this wouldn’t impact our credit files. Please can someone advise as we have no joint accounts nor have we’re had any…

Hey All, I need some advice here because I am so worried. Get ready for a tale: Way back in April I had a rolling 30 day contract with EE. I cancelled the direct debit hoping it would stop the rolling 30 day contract it as I never used it. 30 April: It became due and I asked them to cancel as I never used it. So fair…

I am just wondering if someone can give me some advice please? I recently found out that VCS have issued a default CCj judgment of £277 on my account in regards to an apparent parking fine in 2020. I only discouvered this, after checking my credit score, so I rang the county court for details. It appears VCS had sent all…

Hello. The electoral roll address is recorded incorrectly on my Experian file, though fine with Equifax. My address format is (with address anonymised). 14 Leinster Court, 6 Village Road, Town, postcode. Experian have it recorded as 14 Village Road, Town postcode, which is completely wrong. I have lived here for 13 years…

Hi, I have recently had a host of issues with Equifax that it has taken hours and months to sort out. I applied for a mortgage and discovered there was incorrect data showing missed payments on a previous loan agreement. There were no missed payments. It has taken months for the finance company to sort it out. However more…

Hi I went bankrupt in September 2018 which is nearly 6 years ago and so about to drop off my credit reference files, however, Lowell continued to post missed payments for a year after my bankrupcy on Equifax. Can I get these removed? If so, how can I do this? Many thanks :)

I’ll try and keep this as brief as I can, but would really appreciate any knowledge or experience in this regard. I have recently been assigned financial POA for my mother who has terminal cancer. For various reasons which I won’t go into we, as a family, do not believe she is of sound mind, but she is very good at ‘faking…