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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…
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US Debt with my email attached
Hi all Apologies if this isn't the right forum for this. I just got an email from a debt collection agency saying there’s an outstanding smartpay debt for someone with my name. It’s for a US postal address. The agency is January who I've checked and are legitimate, and the email is definitely from them. I emailed…
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Experian Identity Plus
In early 2023 a financial institution with which I do
business was the target of a cyberattack and client data was stolen. As part of
the mitigation procedures clients were given a complimentary annual subscription
to the Experian Identity Plus service. The main features of this being the
ability to “lock” your Experian…
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Removed financial associates
I finally got round to requesting the financial associates on my credit file be removed. These were with my ex wife and have been on there over 10 years !! However Experian were very quick and confirmed today that they have been removed and will not visible to any lenders. How long until I can no longer see them on my…
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Failed Credit Check from Carphone Warehouse
I have recently just tried to take out a contract for £30 a month with Carphone Warehouse Currys but my credit check failed and was rejected. They couldn't tell me why, I have never had any debts etc, but also not owned any credit cards, just direct debits for bills. I also have changed address every year due to work, if…
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CCJ ISSUED AGAINST ME FOR SOMEONE ELSE'S DEBT
I briefly helped my husband with some painting of wardrobe doors which he makes for customers. I helped for a few hours a week when having time off as a professional carer. My husband had a dispute with a customer which ended up with me getting a CCJ as well because he mentioned my name on his website as the person doing…
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CCJ removed?
As the title asks, can these be removed i rather dropped the ball on a small debt (company credit card) that i believed was a company matter but turns out i had given a personal guarantee.. it went to court before xmas, i was in hospital for an operation, dropped the ball etc and it slipped through Are these things…
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Online Clothes Store - THIRTY hard searches for one purchase?
Hi all! Happy new year to everyone and thanks for the approval, great to be here. I’ve tried to find similar issues but only came across a Barclays thread whereby people had two hard searches done during applications with them. Im posting here on behalf of my mother, who recently purchased a very small amount of clothes…
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Credit karma
Hello, bit of an odd one. My partner checked his credit report and it said he was utilising 2000% of his limit. It is showing a credit account as active when it is a closed account. The amount outstanding is his debt owed but none on account that's open. Is this correct? Just on mine it doesn't show.previous accounts on…
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Default still visible after six years
I have a default dated 15th December 2017 still visible on Experian. Yet Experian say default are removed after six years. It has been removed from Clearscore and Credit Karma. Anyone know why this might be? Thanks
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Credit rating
Hello, my credit rating has gone down recently. I have not missed a payment or done anything wrong. We have recently relocated and moved, we sold our house and paid off our mortgage. We are now in a rented property while looking for another house to buy. My borrowing as therefore significantly reduced. We are now on the…
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Threat of Identity Theft/Fraud
Hello, I am looking for some advice please. I have had my identifiable documents stolen (address, account numbers, dob, NI number, etc) and I am wanting to understand the best ways to protect myself from identity theft/fraud. I have informed my banks, who aren’t overly concerned because the thieves don’t have my cards or…
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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…
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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…
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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.
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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…
