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My credit score has bombed because I made a genuine mistatke
Hello to All, I recently checked my credit score which had been at 976. To my horror it had dropped to 492! I realized I had mad a big mistake. In February I made a balance transfer to MBNA as they offered 0% interest until March 2024. What I hadn't done was set the account to minimum payment so they had tried taking the…
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Natwest 'blacklist' auto-decline
In or around 2004 I defaulted on a credit card with Royal Bank of Scotland (RBS). In 2012 I opened a bank account with Natwest. At the same time I applied and was given a credit card and granted a 1K overdraft. For a few years I was using the credit card and was, towards the end of month into my overdraft before it was…
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EoN marked credit file as reduced DD several months ago
Hi everyone, I followed Martins advice earlier in the winter to review my energy DD. Prior to me contacting eon to lower my DD we had renovated our house so had consumed more energy, and were in arrears but for several months now we have been in credit. At no point when I changed my DD was I warned by EoN this would impact…
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Are soft/eligibility checks linked if made close together?
I have a default (my only one) dropping off my credit file on or around 7th July (I know it can take up to another 28 days but it usually doesn't) . I have done a few eligibility tests with credit card companies over the last week or so (a mix of likely accept and decline). I am wondering if, by next week my default is…
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Starting a debt management plan
Hi there, Due to getting married, and cost of living, I have got myself a lot of unsecured debt. I have approached stepchange and on the verge of signing a debt management plan. However, do we get default payments on our credit score if the creditors close the accounts during the debt management plan? and if so, how will…
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Closing credit cards before house completion?
We have a couple of credit cards that while we clear balances every month, they are not giving us much benefit in terms of points or cashback so we were thinking of closing them for a new credit card. We have already exchanged for a new house and expect to complete by end of this month, so a 0% credit card might be useful…
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Mortgage application
Hello Myself and my partner will be making a mortgage application for a house within the next 12-24 months. My partner already has a mortgage (for our flat) but I do not. Our budget is about 350k, approximately 115k will be from our deposit. My problem is my credit score isn’t great because I haven’t really used any…
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Removing CIFAS Marker
Hi Guys, I had applied for a M Plus Account to Virgin Money online, was rejected a few days after and didn't think much of it. However, some days after I noticed an update on my credit file, and seems Virgin Money had issued a Victim of Impersonation CIFAS marker against me. The only two things I think could've caused…
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ClearScore missing miss payment
So not without sounding like Groundhog Day 4 months i think until satisfied ccj falls off file only thing I have was a 1 missed payment in 2019 from next but logged in today and it’s gone when I go into the next credit history just shows all payments on time like any reason why that could of changed
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Unable to get credit
My 19 year old son, who has a bank acct with a wage going in weekly, is on the electoral list, has dd's going out, is unable to get any credit & Experian is unable to locate him. What can we do?
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DMP only option?
Hi there, I've been reading the posts and trying to mentally digest all the information. I have already done a budgeting plan with stepchange and it appears a dmp is my only option. I would be so grateful if you have any other advice for my situation as I'm feeling really desperate. Here's my current situation. I'm a…
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the experian app wouldn't let me have an account
the experian app wouldn't let me have an account, it says it couldn't confirm my identity :( what do i do? I wonder if it's my address, I've always lived at the same address, but only been responsible for the council tax in recent years, is that it?
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Is the experian app ok to use?
Is the experian app ok to use, or should I use the website?Also, are any other credit score apps good?
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Bounced energy DD but immediately paid after
Hi, I pay my eon next energy bill by direct debit each month and have always paid on time. I bank with Starling and have a bills pot that my DDs come out of. Yesterday however there wasn’t quite enough funds in the pot (my fault) and I didn’t get to it in time before the payment had declined. I immediately spoke to EON…
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TSB changed default date
Hi everyone, I had a loan with TSB which went into default in May 2016. I entered into a DPP as part of the Debt Arrangement Scheme (Scotland) in September 2016, this loan was included. In May 2022 the account disappeared from all CRA, as it should have done. I was left a sum of money which meant I paid the DPP off early…
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Vodafone Default
Hi Everyone, I have read through lots of threads with the same title and wondered if there are any success stories? I will go into my story below. I had a mobile account with Vodafone from June 2017 until August 2022, initially taken out with a 2 year plan but kept this running for an additional 3. During this period, no…
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Guarantor and credit report
I naively signed as a guarantor for a small business loan last year that my ltd company took out to keep our heads above water, and due to the economy as it is, the company is struggling to maintain the loan. I have spoken to the lender today and have offered to pay the loan off in full once the sale of my house completes,…
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Can a 2nd default be added years later/how do you prove a default was added previously?
I had a credit card debt default in 2006 and it was passed to a debt collection company (HFO....Rutherford.....Roxburghe....Link Financial now). I paid quite a chunk of it off over about 7 years and then I stopped in 2013. Nothing happened....they didn't chase me, I didn't call them. Then in 2020 I started to get emails…
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Canopy rent tracking not working!
Hi, I've been using Canopy to track my rent for over a year. No issues until recently. For some reason I was unable to reconnect my bank account (I contacted Canopy and they said they'd pass it on to the tech dept but never heard from them after that). I now check my Canopy account and June rent payment is showing as not…
