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someone else on my record
Good Morning After noticing my son of same first name and address different date of births. Has his motor insurance, van loan and mortgage quotation on my credit report. I queried with them but said I had to take it up with the individual companies. Obviously I tried but under data protection they cannot speak to me.. How…
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Eligibility checker confusion
Hi, im wondering if anyone can offer me any insight on this… I have a credit card with Halifax, which has a £2k limit, and a nil balance. I’ve had it for 8 years, I thought I would look at seeing what card I could switch too through their eligibility checker and it came back saying they can’t offer me any products at…
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Is anyone else having problems with Credit Reference agencies?
Is anyone else having difficulties with getting incorrect and out of date information removed from your Credit Reference file? They are ALL of them self service BA**ARDS and I have referred them to the Financial Ombudsman. What can I do best? I feel like starting a National Campaign to have them regulated more closely. Who…
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Potentially strange soft searches I cannot explain - please help
Hi all, Much appreciated in advance of any insight or advice. My concern is relating to, if they were done by an individual and not a company. ( I know soft searches generally mean nothing and score is meaningless). I have received 2 soft searches on my transunion report via (credit karma) for the below: novuna personal…
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Credit record not found
Hello. I’m applying for a rental through Open Rent and my partner’s report has come up as “Insufficient information provided” with the credit check listed as “Credit record not found”. This is strange as she is registered with several credit check agencies has a good credit rating. She has been living and working in the UK…
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Experian unable to complete my application
I've just joined the Credit Club to get access to my credit report via Experian. When I tried to login to access the information, one of the questions I had to answer was who provides mobile, broadband etc. I am with TalkTalk for broadband but that was not one of the options; in fact I think there were only 6 options; so I…
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Lowells / O2 / Assignment
Would like clarification on the rules about debt assignment. Beef with Lowell. Basic outline is one of mine, has received a letter out of the blue about an O2 debt threatening legal action. Debt is an O2 contract which was opened online with one payment made and then nothing. So it was passed on or sold one (not sure…
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Best way to use credit cards and overdrafts to build up credit score AND KEEP current overdraft etc
Hi guys, I have just acquired a new CC (£3100 limit)and an overdraft facility (£500) from Santander. Bless em. I have had CCs and overdrafts before and dipped in and out of the balances to an extent but never O/D. I think it was Halifax a few years back suddenly decided to reduce my O/D from £1500 to around £327 (how on…
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Companies giving money back?
Hi, probably in the wrong place, but have all businesses recently been made to check their accounts? I have had 3 emails today from 3 different companies, saying they have reviewed my accounts with them, and have realised I wasn’t treated fairly, and are offering good will payments in the region of £200-500, seems like…
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Do multiple bank accounts negatively impact credit scores?
Hi, I see there are some exciting deals reported on MSE about switching your current account to other banks. I'd like to take advantage of deals. However, I want to keep one stable current account in place. So, would opening another current account to take advantage of these deals be negatively reflected in my credit…
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Does Closing Old Credit Cards Effect Reports?
I have some old credit cards that are no longer being used. If I request they are closed will it have any kind of impact for the next 6 years? They are low limit cards BTW.
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Financial Dissociation from Ex Partner
Hello, anyone who has previously dissociated from an ex partner on their credit report...Can you advise whether I need to notify all CRA separately? I have only been able to find the form for Experian up to now. Thanks!
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County Claim sent to my address addressed to Previous resident
What do I do about a County Claim sent to my address addressed to Previous resident? He had not paid his energy bills and they are chasing him through the courts and they still believe that he lives at my address. I'm worried that if I do nothing, a CCJ will be registered at my address and that may affect MY ability to…
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CCJ made by ex boyfriend
Hi, I have a situation where after I asked my ex to move out he started a campaign of harrassement against me and my young daughter, including threats of violence and stalking my daughter on social media over the course of a few years. Police are aware and crime numbers raised against him, otherwise they've done little…
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Virgin Media default payment
Morning, I took out a Virgin Media account in 2017 and 9 months later I moved house, just 2 doors down, on the same row of terrace cottages. I asked to move my Virgin Media account to the new property and was told they didn't service that area, despite the two houses being joined, and I would have to continue paying the…
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Always in overdraft
Hi im looking for advice on two things, how much being in your overdraft nearly all the time affects credit score/mortgage application and also can a bank take an overdraft off oyu with no warning ? in a nutshell my savings are 4 times more than my overdraft but currently to one side to buy a house, if i was to put enough…
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I got declined but don't know why
A few days ago I tried to get a new mobile. Nothing fancy, just a reconditioned iPhone from Giffgaff that would cost me £10 a month over a couple of years. I had to go through a credit check, and when I put in my details, I was declined. I'm a little confused by this. It's the first time in years I've tried to do anything…
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Demanding Payment and Debt collection - Bill after 2 years
Hi, I moved to a new build property a few years ago. As usual, I took on electricity, gas, broadband and paid them as normal - either the vendor contacted me OR the builder provided my details to these utility companies. Since I moved in, I never had any water bill and no water utility company contacted me. I did not…
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D11 Enforcing a Court Orde
Hi I'm looking at enforcing a financial order, using the D11. I'm not able to afford a solicitor, so completing it myself. The financial order was submitted in 2017 and re-addressed in 2020, and there is a section that the Ex (Respondent) has not fulfilled, namely to remove me from the joint mortgage, by either sale or…
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False reports
Hi i use clear score and I’ve seems that virgin mobile has put 4 months of arrears on my report bringing my score from 600 to near 300 and I don’t owe them anything I left them October last year and I paid my last bill off they’ve told me to email credit amendment but they will respond in 21 days Why are they sending false…
