-
Overdraft missed payment markers
Hello, Can't seem to find much on overdraft/CRA issues. I entered an unauthorised overdraft 3 months back with Virgin Money on my current account. I had the money re-enter my account from a previous days rent payment and other things and had a couple of private medical bills threatening legal action (I'm recently on…
-
New Account On Credit Report - Even after Cancelling within 14 days
A number of months ago, I decided to try using what I thought was a pay as you go sim card for data. As it turned out, it was a pay monthly account I opened, which included a hard search and a new account on my credit reports (from all credit scoring agencies). I very early on realized this was not the SIM card for me, and…
-
UK commits to reform of the Consumer Credit Act
Plans to modernise consumer credit laws to cut costs for businesses and simplify rules for consumers have been announced by the government - UK commits to reform of the Consumer Credit Act - GOV.UK (www.gov.uk)
-
Credit rating following Covid lockdown
I have two points I would like to raise. 1) She is using a financial "advisor" who has
already fleeced her for £250 for nothing, the mortgage offer is still not in
place. I did not think that these people charged for their services and made a
living on commission from lenders. 2) She is self-employed and had a car on…
-
Frasers Group Financial Services
Does anyone know anything about this company. I’ve now had two hard searches by them appear on my credit file. I’ve dearched online for information about them but all I can find are some news items and Companies House records. I haven’t applied for any credit. Yesterday I bought some foreign currency online with John Lewis…
-
Help needed - Text message from CreditStyle/CST Law
Hello, I have received text messages (no letter) from creditStyle/CST Law asking me to contact them and quote a reference number. I am not sure what to do - there is no explanation as to the topic and I am wary of calling and giving them my email address or home address. I am not aware that I have any debt or unpaid bills.…
-
Hard seraches....bad ?
afternnon all I got declined a increase in my credit limit on my Halifax card due to apparent amount of hard searches on my credit report causing a drop in my score so for the first time in about 5 years i have obtained my credit report ( via Halifax ) and had a look at these Hard searches Search number 1... May 2022 0%…
-
I can't get my credit score
For the 1st time, I've tried to get my credit score online. None of the sites I tried (excluding ones who want a Free 14/30 day trial as I would forget to cancel it) seemed to recognise me - won't accept an accurate e-mail or they ask me security questions that don't even apply to me. I am on the electoral register…
-
Cifas marker
Hey Guys, Hope you're all having a lovely day. I'm writing to get your views on a matter that I'm currently dealing with. Basically, I got a cifas marker on my account purely because of miscommunication that led to confusion which made my friend that sent money into my account file a complaint to their bank for a fund…
-
Rating took a big hit!
Has anyone had an experience like this? My Experian score has dropped over 100 points. All I've done new is spend below 25% of a new credit card limit and paid bill on time. Its a new card and its the first time I've got a ny credit card reporting to my file. Weirdly my Credit Karma score improved at the same time…
-
Revolut account under review
Hi, was just wondering if anyone else has had this with revolut? I set up a revolut account, was going to use it for night outs, transfer money in to it to use for things, I also used it to keep separate from my main bank to help me budget better. I sold my house and I started selling items, mirrors, ottomans etc etc so I…
-
Anyone Able to help me with CCJ
just signed into my credit score and noticed a CCJ on my file from May. to my old address that ive not lived at for 3 years. Im thinking its from HSBC but i dont know there is no info on it. I have been ill and out of work and in and out of hospital what options do i have now? the amount in question is 1559
-
Credit card missing from credit reports?
I've had a natwest credit card for approx 20 years. It doesn't appear on the MSE credit club report, or on the credit karma report. I think that's 2 out of 3 of the credit agencies? Any ideas why? Should I be doing something?
-
Equifax
I have signed up for alerts with all the agencies in anticipation of getting a mortgage two years ago. I noticed recently that my Equifax score was quite low. I logged on and it said I wasn't on the electoral roll (I am). I contacted them and they basically said that I hadn't informed them I had moved so I wasn't on the…
-
Weird searches on Credit file
So I woke up this morning to an email from Equifax, saying that there was a new update on my equifax account, I login to find 2 searches from "GB Group - BONNE GRADE SUPPORT"(Credit Customer Manager & AML Checks), 1 from "GB GROUP- ENTAIN" and 1 from Lottoland. The thing is, I do not recognise any of these searches because…
-
Eon on my equifax report - but I don’t have an account with them
I received a message from clearscore to say that there had been a change to my equifax report. EON are adding an account - but I don’t, and never have, had an account with them. I use Octopus energy - but the account numbers are different. How do I solve this?
-
Changing address?....
I need to change my address after a move. Does this impact negatively on my credit rating? I have been hearing conflicting advice, anyone have any experience of this. TIA
-
Three
Hi all, I really don't know what to do and would be very appreciative of suggestions. I cancelled a three contract within the cooling off period, three's error meant that they thought I owed then for the contract and since February I have been chased by debt collectors. I've spoken to 5/6 different advisors who always tell…
-
Stopping monthly defaults when a payment plan is agreed
Hello everyone I have a few old credit cards that I defaulted on several years ago. I just noticed on that on the payment history section, it lists them as still defaulting every month. I have had payment plans set up for several years, so I am surprised to see that these still classed as ‘defaulted’. So I am curious - is…
-
Energy Supplier incorrect debit record on credit report
Anyone else in credit with their energy supplier but showing on their credit report as being in debit?
