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WARNING: NextPay T&Cs
This is an important warning to anybody operating a NextPay account to make online purchases and for anyone who regularly makes a purchase with them each month. It isn't made necessarily clear at any point other than deep in the terms & conditions, but if you purchase something for that month, and then return it within the…
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Just got Cifas Marker removed
Hi I need help, I just got my Cifas Marker removed by starling Bank but still cannot open and account as I tried opening a monzo account and got denied please tell me what to do as I need help
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Old Debt - Settlement
If an old debt does not appear on a credit file, does this mean it was originally defaulted, and dropped off file after six years. The reason I am asking is that friend has been on a DMP since around 2004 paying nominal payments. They now want to settle the debt but the debt company states that the debt will reappear on…
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Credit file total confusion
So im in the middle of the mortgage process and there is obviously been a lot of talk of credit files, i use checkmyfile so can see the entries for experian, equifax and trans-union. I can see various accounts reported by different bureaus, but my main bank account, credit card and mobile phone contract are reported by all…
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Can I stop credit being taken out in my name?
Hello. I wonder if you can help me with this rather odd request. I wanted to know if I can stop credit being taken out in my name? As I say bit of an odd one. About 7 years back my grandson took out a phone in my name without me knowing. He caught the delivery man before knocking at my door (it had to be delivered this…
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Credit club affected by AI auto save?
HI, I have been really careful to budget as much as possible over the last 7 months, and it has made a huge difference. Except.... I use Chip as an automatic saving app, which uses AI to figure out what to take out of my account every few weeks. It is ace - however, on my MSE credit club, it says that my cashflow is…
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Credit check "cool off" period?
Hi all, Today I switched to Nationwide for the £200 bonus and I was looking at the Barclaycard here to do some "stoozing". I haven't had a lot of credit checks in the last year or so and, generally, my credit rating is pretty good. Nonetheless, I know there was a (successful but still) hard credit check by Nationwide.…
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Termination Notice
Hi, received the attached letter from Barclays. In January this year they incorrectly applied their right to set off a payment from a debit account with no arranged overdraft and no credit balance. In short this took the account into an unauthorised overdraft, the debit was disputed but Barclays ignored this and debited…
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Credit Karma
I know credit scores are arbitrary and overall I've got great credit history, but the one thing that always "flags" up on my Credit Karma account is that having credit of £15,000 or more will increase my score. Currently it's at £14,500 over 2 credit cards, is it really worth asking for an increase of £500 on one of them?!
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View All 3 Credit Agency Scores Simultaneously
So most people know that in the UK we have 3 credit agencies - Experian, Equifax and TransUnion.. each has their own credit score index, each receives data from lenders at different times and therefore scores are updated at different times. If you are thinking about taking out a loan, mortgage or credit card, knowing…
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Protecting myself from identity fraud and potentially other crimes
It seems that I have exposed myself to identity fraud by carelessly disposing of shredded documents. I have since read that crooks may reassemble documents and use the information for crime. It's too late for me to stop this potential information leak. What should I do now to protect myself? I'm in the midst of a house…
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monzo have ruined my credit score and won't help they just ignore me even the ceo does
I closed my monzo account and I still owe money for their flex credit card and money for an oveerdraft and the past two months I paid using my halifax account in to the account they provided for payments, they took weeks to repsond by email I never got help on the phone and I told them I do not want "breathing space" they…
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Credit Report - when things get reported
Hi, after many years of keeping up with my payments I found that I had forgotten to pay off the minimum £5 on something which I ordered for £24 (hadn't realised I had used credit as such a small amount I thought I'd paid with debit card). Anyway, I missed the £5 payment on 11th Nov and it will be reported to credit…
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Credit Investigation Department
Received this email today It's not Colin as seen on your forum but a DavidBe aware pleaseThis is David from CID(Credit Investigation Department). Hope you are doing well. I just would like to tell you that we have got a legal complaint against you from "CapitalOne Credit Card Ltd, 118 Money Payday Ltd, Dot Dot Payday Ltd,…
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Credit Card stopped and credit score plummeted...
Hi all Not sure if anyone can give some advice. A while ago JAJA contacted me to say they were withdrawing my credit card and that it was a 'business decision'. I have just now noticed that my credit score has plummeted by around 200points in the last few months.... I assume these two things are linked? If so, what can I…
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Unknown Three account on file which nobody there can find or help with
I went to apply for some Interest Free credit on a purchase this week and it was declined to my surprise even though my rating is over 750 on Clearscore/Equifax with no missed payments on anything. It turns out the credit supplier uses Transunion and when I checked on there (and on Experian) there is a H3G (Three) account…
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Question for o2 customers
I’m on a sim only plan. It expired a few year ago so I’ve upgraded to another sim only plan. Will a new credit agreement be set up on my report or does it carry on with the same one as I don’t want o2 to appear twice on my reports due to my OCD and anxiety that something will go wrong. they said they’ll run a hard search…
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Defaults on credit report ( help )
Hello I’m Martin, was just hoping on some good advice really because can’t figure it out basically, so I have 2 defaults on my ClearScore account which I will upload pic on here so u understand what I mean, because one of the images say updated and when clicking onto it says opened account it’s confusing to no when too be…
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Double default surprise
Myself and my wife are preparing to apply for a mortgage, and even though both our credit scores on clearscore show as 1,000 we were advised by our broker to use checkmyfile to see a full report from all 3 credit agencies. To my dismay, my wife's report shows 2 defaulted payments, one to EE and one to a company called…
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KLARNA payment technical issue
Has anyone else had any issued recently with Klarna having problems recording payments? I have had an auto payment with them for well over a year where they take a direct debit however the last few months payments have not appeared on the app. I only noticed this as my bank prompted me to check my credit score and I now…
