-
Is saving negatively affecting my credit score?
I've started to put whatever I have left at the end of the month into an ISA with Zopa. I can't link this account with any of the credit score apps so I don't think they have an visibility of it, and since doing that my score has started to drop significantly and I'm wondering if they're interpreting me moving money into…
-
Limited Right to Manage Company - CCJ
Hi, I'm 1 of 3 flats that are part of a Limited Right to Manage Company, this means the freeholder has given over us the right to manage the freehold, and we pay our own liability, buildings insurance etc. One of the other flat owners who is registered on companies house as a director, as am I, forgot to do the company…
-
Same debt on Credit Report
I defaulted on a loan in 2018 however the debt is showing on my credit report twice once with the actual lender and then again with the DCA is this right or should it only show once. In addition the original entry is not showing as defaulted it just says it’s closed.
-
Default against my name - rogue trader
I am looking for some advice, I purchased a newer used car from a small dealership in 2020. I traded in my old vehicle, towards this car. Long story short, the dealership did not pay off the outstanding balance of the car I traded in and then ceased trading. The finance company have defaulted the loan against me, and I…
-
Identity theft - Do I have grounds to apply for compensation?
Hello, apologies in advance if this is posted in the wrong section of the forum. Earlier this year I discovered that in late 2018 someone fraudulently took out a payday loan in my name. As no repayments were made on the loan, the account eventually defaulted and was passed on to a debt recovery firm. I have finally managed…
-
Default and AP Markers
**Apologies for the extremely long post** I wonder if anyone could assist on my situation? Early 2014 took out car finance with Black Horse for my small business. Within a few months of taking this out a company I was subcontracting for went into liquidation owing me £££ of pounds. This left me in a situation where I was…
-
Doing soft credit check without updating
I know that a soft or "quotation" search doesn't mean anything, but those all search results showing all the time in my credit report. these are "soft" searches. But none the less why are "Madison Cf Uk LTD T/A 118 118 Money" CONSTANTLY searching my credit file (particularly Transunion). It's not good because when I am…
-
Can Santander audit me, when I don't have an account with them?
On doing a recent check to try to ascertain why my credit rating had been downgraded from 'fair' to 'very poor', I noticed that Santander (with whom I have no account) did an audit on me, last December. At that time, my card (for the account of my mother, for whom I have power of attorney) also wasn't working. my own card…
-
Online gambling accounts
Hi all, Over the past 18 months I have noticed a couple of entries on my credit file for which Anti Money Laundering checks were done by online betting companies. I have never used these sites so was clearly alarmed to see these searches. the odd things is that the checks were done using my old home address which is why I…
-
MoneySavingExpert Credit Club credit report issue
I joined up to the MoneySavingExpert Credit Club https://clubs.moneysavingexpert.com/creditclub/dashboard a few of months ago, but now when I go to check my credit report I just get an error message saying the following; Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again…
-
Credit Karma
Hi I'm not sure where is best to post this. Or if I should email MSE directly. But I was wondering why they recommended this company given their poor reviews on their Facebook page. My experience is they send out alerts for credit searches that they are responsible for creating themselves. It's alarming if a search with…
-
Bank debt still showing 13 years later
Hello, just checked my credit report and there is an RBS account that I defaulted on in July 2010. It says account is open and default date is September 2022? Will this stay on my credit report forever? I thought it was removed after 6 years but not sure if bank debt is different. I have not received any letters for years…
-
O2 'unable' to remove fraudulent hard search from my credit report
Summary: I was a victim of fraud, I flagged it to O2 before they came to financial loss, but they say they can't remove the fraudulent hard search carried out on my credit file b/c they can't find the fraudulent account it relates to. What can I do? Longer explanation:I was a victim of identity theft. An employer was…
-
banks & bs failed identity checks
I have come up against a problem opening new online savings accounts in your best buy lists. Failed identity checks seems to a common reason, but no one will tell me what the exact problem is. I have had same online bank account for 20 years in same name. I have never been in debt, not had an overdraft for many years, paid…
-
Missing CCJ
Hi I am looking for advice. I was told by a solicitor working on behalf of Erudio student loans that they took out a CCJ against me. I had forgotten to update my address for various reasons I don't want to go into. Anyway I've been checking my credit files following the advice section on here but none of them mention any…
-
CCJ
I have just found on my natwest credit score and Experion that I have a CCJ issued in 2021. I have no idea where this has come from, I paid £6 to Infotrust on line to see if where had a CCJ and that has come up negative! it says I have no CCJs. Can anyone help?
-
Possible mistake by mortgage lender
Hi money saving experts! Not sure if I have put this in the correct category - it could fit into a few. A few months ago my partner died very unexpectedly at 42 (I am 39). We had just bought a house together and were joint owners. When I notified our lender that my partner had died, they said that the mortgage would be…
-
Incorrect information on CRA reports - should I do anything about it?
I checked my Experian and Equifax credit scores using MSE Credit Club and Clearscore. Equifax's report says that I don't have a credit card, which isn't true - I've had at least one for over 30 years. Experian doesn't seem to know about my credit card either and also said I wasn't on the electoral roll at the address I'd…
-
Someone else is using my home address
I keep getting letters from bailiffs chasing someone who is racking up debts on my property. How do I prevent this from happening again? Is there a company who can help? This person has never been registered at my address. It's getting worrisome as I don'twantmy credit rating to be affected.. Thank you.
-
False mortality flag
Every single time Yorkshire building Society ask for an ID check with Experian they report that my name appears on the mortality file.Experian denies this and there is no such marker on my credit report.They say they are merely passing on information but will not disclose their source.The financial Ombudsman has seen this…
