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How accurate does my address history need to be?
Are there likely to be issues with verification if I can't pinpoint the exact date I moved into/out of a property?
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ID mobile £2 has impacted my credit report
Hi, looking for some help. I was with ID mobile and moved provider when my contract came to an end. I received a text from them to say my estimated bill would be £0. I then cancelled my direct debit as when my wife moved from ID, they kept charging her for a contract she didn't have and I didn't want the same issue. This…
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ERUDIO student loans help
HI, My student loan has recently been sold to erudio student loans company. I currently defer my loan as I am below the salary threshold to pay it back. The letter states that erudio will supply details of my loan to credit rating agencies, something that has never been done before. There have never been any details of my…
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Cannot get into Experian
Today I received an email from Experian saying that a new account had been added to my Credit report & I don't know anything about it. So I tried to log in to Experian, however I couldn't remember my password, so I asked for a link to change the password, however no link appeared in my email address, so I tried saying I…
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Sister-in-laws added as financial associates
I checked my credit file via checkmyfile and found an association with my former sister-in-law (now divorced from my brother). We never opened or shared any accounts. Today I checked my file again, and now my other sister-in-law has been added! In both instances, it was being reported by Equifax but does not give any…
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Email fm Experian saying new credit account added
Please can you help as I'm freaking out a bit. Received email today from Experian saying "a new credit account has been added to your file" I've not applied for anything. I logged in to the app to check, there are no hard searches, which I would expect if credit had been fraudulently applied for? Soft searches are those I…
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Maiden Name Married Name
Hi all. My wife has recently remortgaged her BTL to a new lender, no additional borrowing, just to reduce the rate and she put it in her married name. All of her other accounts, including our joint mortgage, are still in her maiden name. She has recently tried to do a new balance transfer card in her married name but has…
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Unknown Soft Search
Checking my report via my bank account, I noticed there was a soft search against my name. It is from Bet Fred based in Gibraltar. I have never opened or tried to open an online betting account. What is also concerning is that it had the wrong gender in my title - Mr instead of Mrs. I know soft searches do not affect my…
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Moorcroft PayPal request
Hello, Moorcroft have been sending me letters claiming ‘they have been instructed by PAYPAL to collect my overdue account of £54’. These have been going on since 19.5.25. I have spoken to them and sent proof from PayPal that this is not my debt. They sent me a letter giving details of the transaction in question from a…
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Small Claims Judgement Against an Executor
I am the executor of an estate against which there was a small claims court judgement. The judgement was satisfied by the required date. My name appeared on the paperwork "as executor for the late *********" Will this affect my personal credit worthiness or credit ratings?
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Car finance company hasn't been reporting my payments to credit reference agency
Hello i am half way paying off for my car which I have on finance, however I've just found out they have not reported any of the £300 a month payments I've been making for the last 2 years! What can I do? I had bad credit when I started paying this off and was hoping my credit score would improve after all my payments but…
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Not using available credit
Hi all. My credit file says I'm "not using the credit available" and that's negatively effecting my credit. I have three credit cards I use and pay off in full every month. The only thing I can think of is a overdraft that I don't use. Could having an overdraft and not using it negatively effect my credit rating?
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KLARNA
I set up an account with Klarna sometime last year but have never purchased anything with them. I then got a bill for £900+ saying i had bought goods in Selfridges, London. I live in the North West. Anyway, after many many conversations with a credit retrieval company and Klarna, they confirmed it was fraudulent purchases…
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One accidental missed payment halved credit rating
My wife has had no missed payments or anything else to damage her credit rating for decades. But following some confusion over who was continuing to pay Octopus for her late mother's account, and therefore one accidentally missed payment, the TransUnion credit agency halved her rating. The other two agencies did not. This…
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Moved: Cabot Financial
This discussion has been moved.
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Fraud Marker Placed by Barclays over Legitimate Utility Bill – Need Advice on ChallengingPosting on
Posting on behalf of my partner, who’s now facing serious consequences due to a CIFAS fraud marker placed by Barclays Bank. He is currently in the UK on a Global Talent Arts Visa, and opened a bank account with Barclays in February. Ten days later, the account was closed. Despite repeated attempts to find out why, the only…
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Creditor still registering default markers / won’t change status of debt post DRO Moratorium
Good morning I unfortunately ended up being subject to a DRO in 2023 with the moratorium period ending in December 2024. According to both the StepChange and Debt Camel sites, once this has ended a creditor should mark any debts that fell under it as either Satisfied or Partially Settled. I have been struggling for months…
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Fraud: Scam secrets. BBC Radio Four 31//7/25 12:04
A new series called Scam Secrets starts tomorrow for anyone interested. https://www.bbc.co.uk/programmes/m002h2p3 Blurb: https://www.bbc.co.uk/sounds/play/p0ls7xbp "It might look like a perfectly ordinary message. It could come from someone you thought you trusted. Or it could be a phone call that catches you off guard.…
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CcJ wrong name
Hello, I’ve finally in a place to resolve my debt and wish to enter into a DRO. I’m currently in the process of complying all my debts. However, I took a catalogue (Very) out in my married name, but I never officially changed my name (my passport etc. are all in my birth name). I missed the court documents and Overdale…
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MSE Credit Club savings and investments income
Hello, Ref:- MSE Credit Club savings and investments income. Can anyone advise why there doesn't seem to be anywhere to add income from savings and investments to my annual income? Thanks
