-
U vs 0 on credit report
Hi, I recently opened an account (last month) that now shows on my Equifax report. I have never used credit, and as such all my accounts say 0 in the payment history field - I believe this to be good. This account however shows U in the first month payment history - I have not used credit on it either. The Credit Agreement…
-
Capital one default after delaying the acceptance of final settlement
Good morning, This is bugging me and I feel that Capital one didn't act as responsible as the should have, any advice will be welcome. In August 2019 my other half, who earns much more money than me regularly as a carpenter, got ripped off by a cowboy building company, costing us 9k in total. I threw any money that we had…
-
Help with default
Hi all, been a long while since I posted on here, I’m back looking for some help as you’ve always been so good in the past at advice and pointing in the right direction. I took out an IVA in January 2017 and paid into it for 3 years before finding myself in a position to be able to offer and settle to figure in 2020 and…
-
LV Insurance & the Claims and Underwriting Exchange database (CUE) PREMIUM RISK WARNING
I recently decided to move my home insurance from LV to another more competitive provider. I obtained various quotes from other insurers only to discover that there was an insurance claim logged by LV and sitting on the Claims and Underwriting Exchange database (CUE) which had the effect of bumping up my new premiums. I…
-
Car lease damages appeal, potential credit file impact ?
Apologies if this is in the wrong forum, I wasn't sure where to put this. I recently returned a car I had been leasing with VWFS. The car had some damage on return, which the company has quoted an exorbitant figure for (in my opinion). I have written to their resolutions team to appeal the charges, with reasoning why. They…
-
Cabot financial
Hello. I keep getting text and voicemails from a Cabot financial. The name on the text isn't even me, I was just wondering if it was legit or a scam as they will not leave me alone, keep calling and texting. I am a really anxious person so too nervous to even answer the phone when they call to ask them to stop calling. Any…
-
Default on my credit file
My debt with ratesetter was sold to a debt recovery firm of solicitors. I paid this company fully back a few years ago but I still have a default on my file that is negatively affecting my credit score. Is there anything I can do to remedy or mitigate this? I have a letter from the solicitors in question stating the debt…
-
Unexpected charges from Harlands.
Hi, This is my first time posting so apologies in advance if I get things wrong. I recently signed up to JD gyms in the North East in an effort to help lose some weight. The day after I signed up I received an email from a group called Harlands saying they had tried to take £19.99 from my account as per the DD but it had…
-
Credit Score affected by small unauthorised overdraft
Hey, I suspect I already know the answer to this but thought I'd check on here just in case. I stopped using an old bank account of mine in 2020 and paid it back to zero. Unfortunately a payment I forgot to transfer took the balance below 0. I cleared it but incurred a fee, that I didn't notice, that took me below again.…
-
Are all "hard searches" same?
I applied for a new SIM only deal before yesterday and I have a new hard search on my credit files. Just wondering if lenders see it as telecom search or just a search? Does it have any different (lower) impact than hard search for a credit card or a loan?
-
Access to my Credit File by 3rd Party
Hi, not 100% sure if this is in the right forum but hopefully someone can put me right if I've gone a bit astray...Basically, I have received a letter from a debt collection agency relating to a debt from 2010. I am concerned not least because it relates to a cc debt that I thought had been written off 13 years ago, but…
-
CreditLadder - Rent tracking
Hi, I'm renting and would like for my rent payments to go on my credit report. I'm already using Canopy (free subscription) to report to Experian and would like to set up CreditLadder to report to Equifax. I've tried to set it up, but it wants me to log into mobile banking to set up the bank connection. The trouble is, I…
-
Double defaulted on same debt
Hi guys First Post, hope everyone is ok. I have few default from 2014 and 2015, to my understanding, debts are only on your report for 6 years then it should get deleted. Question is why the default changed from the original date to a later date and can I ask cra people to remove them? Many thanks guys
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
