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CCJs I didn't know about? (Financial abuse)
Hello, I left a highly abusive marriage after 20 years in 2020 during the first lockdown. I'm homeless and have been struggling ever since to find someone who will rent to me because it turned out I have a load of CCJs in my name that I had no idea existed or what they were for... I've since discovered some are Anglian…
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stagnant credit score
I suffered a default on my credit card 3 years ago. had money in my account ready to pay my montly credit card off balance but somehow the direct debit to pay off my credit card somehow got removed. So for 3 months I had like a £10 balance on my credit until I realised. So it took my credit score down to like 550 on…
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How to credit agencies distinguish an excellent credit report from a good credit report?
If someone has a credit score of 880 (a good credit score), and someone has a credit score of 980 (an excellent credit score) How do lenders differentiate between the creditworthiness of these two people? To me it seems very possible that both these people with very different credit scores could appear extremely similar on…
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Old account missing from credit report
Bit random - but we recently applied for a joint account with HSBC, and … they said we already had one! Turned out that an old joint account from early 2000s that we thought was closed (i think around 2003) wasn’t actually every closed (or even dormant), and it had £11 in it ;) So, we ‘resurrected’ this account, updated…
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Electoral roll not getting updated in Credit Karma/TransUnion
Have you found any issues with Credit Karma not been able to update Electoral Address in the credit file ? It have updated my address in February and it is not getting reflected in Credit Karma. Both ClearScore and MSE Credit club updated my Electoral roll in March itself. Is Credit Karma generally this slow ? Or without…
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Part Settle or Fully Settle Debts?
Hi, Lets say I had a Credit Card Debt with Natwest - that is over 6 years old. And I choose to part settle it. Even though over 6 years old, would still be on file with Natwest. And say I applied for a mortgage with them. I am guessing a full settlement would look better to them than a part settle? Or is part / fully…
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How to stop being haressed for debts i dont owe
Court have my ex access to our house until children leave full time education. We have joint custody. As she was given a substantial settlement the court also decreed any debits she ramped up although in joint names she would liable. Altbough in a good job and remarried she has been defaulting on the mortgage. She haz not…
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Lending Stream/Mortgage
Hello, during the latter part of 2019 and the early months of 2020 I took out several loans with Lending Stream (there were seven in total) All of these lones were paid fully and on time - there are no negative impacts on my credit file in terms of payments etc. They are all closed and settled. However, I did not do enough…
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Lowell chasing relentlessly
Hi, can anyone advise what if anything I need to do. Lowell have recently purchased an old debt of mine that Barclays obtained a CCJ on some 9-10 years ago. I have never acknowledged any letters from anyone associated with this debt nor have I made any payments towards it (as I was unable to) they are threatening legal…
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My Credit Score is ruined by AI
Credit Score decrease from 890 t0 500 points out of 1000 due to Amex credit limit being reduced from £18000 to £10000 which was a few 100s from my outstanding balance. There were no notification which cause my credit utilisation being much more than it was.This also caused a falling dominoes effect on other cards without…
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Default date change
Good afternoon all, Following a complaint a default date was changed from 22/7/22 to 9/3/19. About a month later all CRAs updated to reflect this. A few months later the original debt was sold. This loan with the original company showed as fully settled and a new loan appeared with the new company. The new company has put…
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Thames Water Nightmare
Hi, I’m looking for some advice about an ongoing
situation I have with Thames Water if anyone can help. Early last year I entered into a repayment arrangement as
I had got behind with my bills with being unable to work during Covid
restrictions. In March 22 I was struggling to keep up with the arrangement and
after…
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Help me with my credit history
Hey all, Recently I checked my credit scores using ClearScore and Experian. I am wanting to start building a credit history but I am having a bit of trouble getting started, I dont seem to see any kind of ways of building a history as no one will lend to me, such as credit card companies that even provide 'credit…
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Address and Credit files
I've recently moved and with doing so I have also updated my address with the electoral register. Since doing this, 98% of my accounts have been removed from all three CRA's, all of whom I have also updated my address with. Two out of the three CRA's are still showing my old address too, surely this isn't right? Out of 8…
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Hard or Soft Search
I applied for a NatWest current account. A hard search shows on my Clearscore report whereas a soft search shows on my TransUnion report. How can they be recorded differently?
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103 credit score slump (Clearscore)?
Hello, Today I had a slump of 103 points on my credit score, via Clearscore. I can't see anything that has changed, other than EON appeared and is now marked as "Disputed". I contacted them, but all good from their end. What could it possibly be? Thank you.
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Chase UK now showing on TransUnion credit report
My Credit Karma (TransUnion) updated today and I see my Chase account is now showing on it. But only 1 current account is showing, even though I opened 7. Maybe the ones opened later will show later? The account was opened in Dec 2021, but the first monthly green tick is only for April 2023, no previous history.I was…
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Trouble with CCJ set aside
Hi all, Not sure if anyone can give any advice We found out we had a CCJ on my name last year August. applied in June and the 1 month appeal had just passed by 1 week. We paid if off within a week and completed a N22 form for it to be set aside. We sent it off to CCBC with the consent order. We got a reply in Dec stating…
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Credit Union savings loan gone wrong
Hi i had a savings loan with a credit Union. they have put a default notice on my credit reference file. The statement I have shows I had more savings than outstanding debt. I accept that interest would have been accruing but I also made further payments into the savings account. At some point I stopped paying and stopped…
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How recent is the information that lenders can see?
I’m applying for car finance just now, in the last 6 weeks I have got my credit cards down to 22%/42%/39% down from about 77-80% each. I have also settled the finance for my previous car, and got a £1000 automatic limit increase on one credit card. Finance broker were adamant that this would be reflected in their checks.…
