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Default date change on the 6th year
Hi, I have a default from 2014 and the default date was changed in 2020 so is this on for another 6 years? This is Scottish power, Thanks
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Company on my credit file been sold
Hello, I'm interested to know if Shell Energy are legally obliged to remove their details from my credit report now that they have been bought by Octopus? I still owe them £1340 (not been with them since 2017) but it says account won't be removed until 6 years after closure. Well, surely that account is now technically…
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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…
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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…
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Updating credit files
How do I get my phone number removed from someone else's credit files? For the last few years I have been getting calls for someone else. Apparently I am listed as a possible contact number for this person and have had phone calls from various credit companies and even the police. The person who I am linked to, I used to…
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Perch added to file x4
Hello. I have woken up to a message from clear score to say I have updates being added to my next report. I logged on and perch are adding 4 accounts to my file which comes under the category of pay day / short term loans. I was in a lot of debt 7 years ago and went into an IVA. I settled that IVA in full around 16 months…
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Charging order by cabott
Does anyone have any knowledge how to stop a creditor going through Northampton business court putting charging order on the property An interim order by Northampton business centre calling it a court order The property already has a rx1 form on But that doesn't stop any charging orders
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Bank error leading to loan payment default - compensation
Our bank has made an error taking a final loan payment from us and then failed to notify or chase us for a year (I didn’t check as the DD was in place, funds available and we received a statement). We’ve made the final payment now and had the interest wiped, but there’s still the issue of it impacting our credit score. We…
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Credit files before mortgage application
I am nearly in a position to apply for a mortgage, but my accounts need tidying up first and I'm not sure what is important and what isn't. I have 9 current accounts all with benefits. I love the benefits (rewards, cash back, savings accounts etc) but would it be sensible to close some and forgo the free money? My longest…
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MSE Credit Club moving from Experian to Transunion
Just got an email from MSE basically stating the above. No specific timeline, but the key question is, are there any alternative free sources to my Experian file once the switch happens?
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CCJ Impact
So just a quick question really how much of an impact is my CCJ having on my file I’m literally 1 month away from a satisfied CCJ falling off my file. have a few credit cards all upto date no missed payments on history for 6 years contract, phone broadband, Argos card always used for 0% so hopefully a decent level of…
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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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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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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 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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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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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…
