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Debt within 6 years, yes or no?
Hi, I began an IVA in 2017, settled in 2020 and it dropped off my credit file in January of this year. My partner and I are now in the process of applying for a mortgage and the broker we’ve approached has said many lenders won’t touch me unless me iva has been completed 3-5 years. I was dubious about this as not heard…
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I was denied an internet contract but my credit score is 999?
Hi there, I wonder if anyone can help me out here. I'm trying to get onto a new broadband contract for about £30/month, but three different providers have rejected me because of my credit score. I have never once had an overdraft, all my payments are up to date and I have no debts. I just checked my credit score with…
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Will setting up more than one interest free payment plan affect my credit rating
Good evening forumites. I am in the midst of renovating my flat and looking into interest free payment plans for new kitchen, bathroom and living room furniture (all with different suppliers). What is the impact on your credit rating of having say 3 or 4 interest free payment plans in place? Can you open 3 or 4 over a…
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FCA
I have received an email from someone called Kim Smith, her email is (Removed by Forum Team) @gmail.com. and she is claiming she is from FCA and wants me contact her regarding my creditors? Is this a scam as I can’t find any information about her?!
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Curry’s ‘Your Plan’
Hi all, Can someone confirm whether the Creation Consumer Finance (Curry’s your plan finance) sits under Credit Cards or Loans in the CRA’s? Also, would anyone know how it looks when a 6 month / 12 month deferred interest plan is selected. I am in need of a bit of tech and it is eligible for 6 months at 0% and then…
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Soft Check v Hard Check
Hi everyone. Does anyone actually know the difference between a hard and soft credit check as far as a lender is concerned? Anything I find online states the obvious (one leaves a mark visible to others and one doesn't) but suggests both show your credit history and utilisation. For example how can some people pass a…
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Ccj 4 months left on file
So just a quick question really and appreciate it may seem a silly one but it’s been a long long time since I’ll have a credit file that’s in good order. I have a satisfied ccj that has 4 months left on my credit file I have a few credit cards all paid no missed payments had loan for 3 years which ended a year ago again no…
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Anti money laundering
Why has a company called Entain operations in brackets (cosmos cval ml)done a anti money laundering check on me , also says Elecralimited ?
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Credit score
I am currently paying back a 0% credit card of £5000 and another one of £2500. I pay more than the minimum every month to clear them quicker. Once i finish paying them will my credit score be damaged for a long time?
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Credit report says only 18 months at current address...
...but I've been here 30+ years! I was just reading my creditkarma report and it says one of the areas of improvement will be when I've lived at least 5 years at my address; however, I moved here back in the 1990s.It seems that the Council (re?)registered me on the Electoral Register 18 months ago, in Dec 2021.I've never…
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Boosting my partners credit rating by adding her to an old account of mine
Hi, I want to boost my partners credit history as currently she has next to nothing. If I add her to one of my oldest accounts such as one of my mortgages/bank account or phone contract. Will she then have all the length of age or would it start at month 1? I have accounts over 10 years old. Surely adding her to one of…
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Experian credit Marker on file more than 6 years for closed accounts
Hello everyone. I am trying to find out why I have credit payment history (mostly positive but the odd missed monthly payment) going back well over 6 years on some closed accounts when I check my Experian report. Everything I search says CCJ.s Defaults and missed payments drop off after 6 years. I dont have any CCJ's or…
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Date of Birth given to scammer
Good evening, I had a call today from someone reporting to be from my credit card company. They said there had been fraudulent activity on my account, and had my address and last 4 digits of the credit card. They told me that they would be blocking my card, which I was happy with in light of there being fraudulant…
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Bank marked a default despite IVA and nothing seems to resolve it
Hello forum friends, Struggling with a credit issue. In April 2020 after Covid hit I was out of work, heavy in debt, so a debt advice line recommended I take out an IVA, in which all debt – including my Halifax credit card – was taken on by a third party agency. Halifax, while agreeing to the IVA, did not seem to register…
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CCJ for a Court Awarded Costs debt in a long running civil case that has moved to fast track
Hi, Does anyone have any experience of this type of debt/CCJ - apparently the process follows a different route to that of other types of debt? On the 8 July 2022 a judge made an order that I should pay the other party's costs £180.00 ( a poor judgement in my view, but a debt that needed paying nevertheless). The other…
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REMOVED BY USER
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Creation Finance to Lowell
Hello, I took out a loan with Creation Finance, went through financial difficulties and ended up go through Step Change from June 2019. When ive looked at my credit file I can see Lowell has taken over the debt from Dec 2019. Ive attached my credit report without personal details below, i have been paying every month via…
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Advice on old CCJ
Hi Thanks for reading I have an old CCJ from approx 2016 (I can't remember the exact date). It was for a Barclaycard £1,500. I was made redundant shortly before this but daren't pay it off, as I was only just managing my mortgage, due to the fact that my ex had stopped paying his contribution in 2013. (This was his only…
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Default Or Satisfied Date
Hello, I've an entry on my credit report that shows the below: Which date will be used for the 6 year period dropping off? Default Date - 04/09/2019 Satisfied - 10/02/2023 Thank you
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Car loan application accepted, but APR is far too high!
Hi all, I've been tentatively looking to change my car. I have about £4k left to pay on the current HP deal (£240pm until October 2024), so taking into account paying that off and getting a newer car, I applied through M&S for £18k over 6 years, with the base APR at around 5%. I was accepted, but with the APR increased to…
