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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…
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clear score
Hi I have just been onto my clear score account and have emailed them, as on my account it says a new account has been opened and gives the last four digits of that account. It is with Virgin Money with whom I do not bank and I certainly have not opened an account with them. In March 2020 I left Yorkshire Bank PLC with…
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Pursued for a debt I do not owe
Lantern Debt Recovery began to chase me for a debt in excess of £1700 more than a year ago. I asked them to provide proof and they sent an unsigned copy of a credit agreement with Cash Euro Net UK. This company went into administration October 2019. I referred the matter to the FOS. Lantern requested photo id, bank…
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Meaning of S on credit report
Hi, I have a current account with S showing in the payment history. The account has never gone overdrawn, and it is closed. Equifax reports S as meaning settled/satisfied, but the internet suggests that means a default was registered against it. Does S also mean closed please? Slightly concerned. Thank you
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Fraud - previous tenant using my address - what can I do?
I bought a house to live out my retirement in, we planned to move in after renting it out for a year as mortgages were low at the time and rental was good so it would help towards renovation costs. It was a big mistake, the tenants that looked fine on paper were terrible and knew exactly how to work the system to maximise…
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One account adding to the other
Can anyone tell me why Admiral is adding to another account and apparently showing my account as over the limit? Equifax classes my credit as very good but recently when looking at loan options I wasn't given any of the normal lender options. So I started looking at my credit file and all is well, except that Admiral is…
