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How do defaults work.
Hi. I have a couple of defaults from Oct 2019 that I'm paying back to the credit vultures. My repayment plan far exceeds 6 years. My credit report is showing default on these accounts every month. What happens after 6 years when defaults fall off the report but I still have an open plan. Will it still show as a D on my…
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Sky mobile shows up as a loan on credit report
Hello 👋 I was looking at my credit report yesterday and noticed that in items negatively affecting my score it says I have 3 or more loans. I have one personal loan and this shows up along with Sky mobile in the loan section of the report. There is also a hire purchase agreement on for my car which I’m assuming is what is…
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TransUnion extremely volatile credit score
Hello Don't know if other members have the same experience or anybody can offer some advice but my TransUnion credit score changes so often & frequently for no obvious reasons whilst my Equifax score has barely ever changed for over a year now & my Experian has changed very infrequently in the past year. My TU score…
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Credit Score "Fair" First Time Check
I have never done a credit check on myself in my life but I thought I would today with "Natwest Credit Score" checker as I may be planning on applying for a mortgage next year. My score came back around 580 which is considered "fair". I always assumed that my score would be in the green considering I have never been in…
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Mortage Applications And Credit Cards And Credit Ratings
I'm about 4 to 7 months probably more like 7-8 months away from applying for a mortage and I get a monthly credit rating check done. It always points out using a credit card(and not going in debt) would be good for the credit rating. It already looks good to me, but I thought everything helps no? However I know new credit…
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Wrong address on credit file
About 5 years ago, I got myself into a spot of bother with Royal Bank of Scotland overdraft as I was not able to pay it due to losing job and home. I was later contacted by debt collection agency by phone call. I agreed that owed the money and proposed a payment plan that I could afford but let them know that I would…
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Suspicious hard search from O2
Afternoon all, So I've noticed a hard search last week from O2. I don't have an O2 account, nor have I applied for one. I do have a Virgin Media account for domestic broadband only and I believe Virgin and O2 have merged to some degree. As a result I'm highly suspicious of this search and want to follow it up but how? Most…
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UNSECURED LOAN REMOVED?
I left the country in 2016 due to DV and returned five years later having subsequently divorced my ex (yay me!) and now as a result of Him making me put everything into my name. There were several non-payments thanks to him not paying the bills which have resulted in my credit score/rating plummetting. I am scared to…
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Premium Credit/Policy Expert and Clearscore
Hi All Ive got a query about my Clearscore account and wondered if anyone can shine some light on it maybe. I took out Home insurance in May 2022 with Policy Expert and paid monthly, this was done through Premium Credit. The policy was then renewed in May 2023, except this time I paid in full. My policy expert account is…
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How to find details from my credit files like when I started job, moved address etc ?
Having the most maddening problem recently when I apply for stuff like mobile phone sim. I get to credit check it asks me for
information for verification like when I moved into address or started employment,
opened bank account etc. This is apparently on credit reports somewhere.. It appears to have wrong info as a I…
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MSE credit club differs to Experian
Hi all Very confused as I’ve registered for both MSE credit club and Experian’s free credit score using the same details, and yet my credit score differs significantly between the two (poor on MSE, fair on Experian). And on ClearScore I’m 719. is it normal or is there some error here? how will I know what lenders will see…
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Credit arrears and credit score
I've always been good with keeping on top of credit payments and my Experian is 999. I have a credit card and buy maybe one item a year on credit just for my credit score. I purchased a laptop on credit a year ago. For some reason, I thought I had set up a direct debit for payments to commence once the interest free period…
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Credit Club MSE doesn't verify me
It is very weird 6 months ago stopped working for me credit club MSE it says it can't verify me and i can't get inside. I have no problem getting in Experian but obviously there you don't have for free your credit report just the score. What can I do ?
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HELP!!!! Experian credit score drop
Can anyone help please my credit score suddenly dropped 98 points and nothing at all has changed - other than paying off on time and in full, two pay in 3 payments on PayPal experian state they do not know what caused this huge drop this happened before where it dropped 500 points in one go last year i am in despair as had…
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Bad Experience With Experian
My private pension provider recently gave me free Experian Identity Plus membership because various strands of my personal data (including my bank account details!!!) were hacked during a cyber attack at Capita. I few days ago I applied for a new current account with a different bank and my application was declined because…
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Computer says NO
Years ago when Martin was singing the merit of credit score agencies I plunged right in with experian and believed it to be a good thing? Now that I am retired and do not have the thousands of pounds coming annually and with some missed payments on my credit cards I am treated like a pariah. If the companies that I have…
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Credit score stopped growing
Hey all, My credit score is stuck in the "needs work" category. I never missed a payment, I have a credit limit of 3.5k , I had CCJ removed after 6 years in July which i thought would increase it but it didnt. I am not on the electoral roll yet, I did register the other day though so maybe that should help. I have no…
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Data breach worries.
A company I made a purchase from emailed me today to tell me that they had a data breach and my details (including all credit card details) had been stolen. I immediately cancelled the credit card. They also offered a complimentary subscription to Experian’s Identity Plus service so I signed up for that and they mentioned…
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Unfair Defaults?
Hello, good people I'm here to see if anyone can offer some advice. It's a long story so I'll provide the abridged version and hope you're still awake by the end. . . I used to be a landscaper, I had my own business and life was good. One day in 2015 I became Ill, really Ill as it happened. I found myself whizzed into…
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Pay monthly contract increase
So I was successful ina. Credit check for a device lease. I was offered it but at 15-20% increase. now my credit score has gone down but only change is I got new balance Transfer credit card, but I’ve paid that all off plus some of the 0% interest Balance transfer amount. so my question is despite nothing else new other…
