-
Paypal Pay in 3 + Credit Score Impact?
Afternoon all, I've had 7 pay in 3 plans from PayPal over the last 8 months and these are now showing up on my TotallyMoney report provided by TransUnion. Does anyone know if these have a negative impact on my file? All paid on time and now closed of course but they only started to show up last month. TIA
-
Capquest question
A few weeks ago I received a call from an Aldershot number from a man who introduced himself as from Capquest, and proposed to "ask some security questions". I replied that since I didn't know him or Capquest from Adam, it should be me who's asking him the security questions. I cut the call and blocked the number. It…
-
American Express & Default Removal **Success**
HI All, Just wanted to share my experience: Was made redundant in 2019 and couldn't afford the repayments on my AmEx card, total owed: £2.5k. They then decide to default it in mid-2021 (1.5 years later). I thought, hang on, isn't a default supposed to be registered within 6 months of the last payment? So in late ApriI…
-
6 Years removal from what date? Credit Report
Hello, Little question about the 6 year rule for things removing off your credit report, Is this 6 years from when the account was opened, 6 years from when it defaulted or 6 years from when it was last updated? For example I have an account opened in 02/16 that is on my report, and it was deaulted in 05/2018 however I…
-
Credit Club - "monthly share of rent or mortgage payments"
When logging into Credit Club today it said it needed additional information: "monthly share of rent or mortgage payments".I don't know what this means? I already provided how much my mortgage payments are when signing up (as well as being single with no dependents); those are things it always asks me to confirm when…
-
Default on joint account held with ex husband
I went through a messy divorce in 2016, we had a joint account with Halifax. As part of the divorce (consent order) my ex husband agreed he would remove me from the mortgage and joint account. I signed the appropriate paperwork. I was removed from the mortgage, it turns out I was never removed from the joint account. I am…
-
Mbna arrangement and credit score
Hi, looking for a bit of advice, I have 2 mbna credit cards, both of them are charging interest and I am unable to transfer my balance. I contacted them to find out options and they have said can freeze the interest for 6 months and I pay monthly, they then consolidate both cards to one loan and I pay monthly up to a…
-
Missed payments on credit report and how long for them to disappear
Long story short. I had a current account with HSBC in 2016 which had a £500 arranged overdraft. I maxed out on the overdraft 6 months after I opened it and because I was going through financial difficulties, I couldn’t make a payment to reduce it. After 6 months of making no payments HSBC reduced the overdraft…
-
Help CCJ issued unknown to me in 2014 I was overseas
Hi I was overseas and whilst away an old debt had a ccj issued against me having moved about 6 times in those years previous to 2014 I still am not sure where it was issued. I moved overseas in 2011, Having returned Lowells are chasing me for payment of 6000 pounds that I have no real recollection of. I think my ex wanted…
-
Credit rating tanked because of finance refund error
Looking for advice and not sure if this fits in here.... Bit of a long story but I'll try and keep it as simple and to the point as I can. I traded in an old car in 2020 and the dealer settled the finance. The following month the finance payment came out and the finance company advised me to contact my bank to do a direct…
-
Compensation requested for CCJ in Error Delayed the Job Offer
An organisation applied for a CCJ against me, after not using the correct address to serve details of a bill. As I was unaware of the bill, the bill was left unpaid. Once I was aware of the CCJ following a review my credit score, I pad the bill and informed the organisation that since they had not used the correct address…
-
Bank account not on Experian credit report
Looking at an Experian credit report, a current bank account from RBS (about twenty years old and still used) doesn't appear. The Experian website says that it's the responsibility of the bank, and RBS say it's Experian. Does anyone have any suggestions?
-
Help with credit application declined due to car dealers error.
I recently put a deposit on a new car. Done the application for the credit etc (which I've worked hard on for ages to get in a very good place) All went through and accepted. Then fast forward 1 week later to the day before car handover. The dealer put another application through in my name (without my permission) because…
-
Smart Credit Ltd
I have recently registered with a Credit Reference Agency and can see that a company called Smart Credit Ltd carried out 4 searches on one day in July, and another on a day in May. Having searched for this company on the internet I don't seem to be able to find out much about them. I have no idea what these searches were…
-
Unrequested Vanquis soft search
I joined MSE Credit club and for the first time, I looked at the soft searches.Apparently Vanquis did a soft search on my credit file earier this month.I don't remember any situation where I would have requested this.A few months ago, I think I did an elegibility check to see if I could get a Vanquis card but I think that…
-
Default notice question
Hi, Just a quick question, I was on a dmp via stepchange which ended july 20 (started dec 16), however I noticed on my credit score via my bank that santander had put a default notice dated oct 19. Says it will remain on my score until 24 (or maybe 25). I thought it would have started from when i originally defaulted. Tia
-
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…
