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Credit affordability change
Could anyone shed some light on this for me please? So last year I asked my bank to reduce the amount of credit available on my credit card, as it seemed excessively high for what I was using it for (think it was over £20k). They said they normally don't get request to lower the credit limit but agreed to lower it to my…
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Creditor not showing correct amount for over a year?..
Hi, have recently applied for a mortgage, so have looked into my credit file. a creditor I owed money to a long time ago, is still reporting defaults and reporting I owe ‘x’ amount. phoned them yesterday, and they have sent me an email confirmation that the account is now closed, and up to date, and has been since 18/3/22.…
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NatWest application decline - could it be an ID verification issue?
Hello, I have just had an application for a Natwest Reward current account rejected. I want to try and understand whether it will simply be due to failing the credit check, or whether my ID will have been rejected through the HooYu validation process. I work in banking, and understand KYC checks and that banks can reject…
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Remortgage hard search - should I wait before buying car?
I have a very good credit rating and want to buy a used car on finance. I’ve just started a remortgage application and there’s a new hard search on my file. Should I wait before buying the car on finance and if so, how long?
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No credit report: can affect mortgage application?
Hello forumites, my wife and I are looking to buy our first property and in preparation for that we've been looking at our credit reports. While I can find my reports in all of Experian, Transunion and Clearscore (Equifax), for my wife we can only find her report on Experian. ClearScore/Equifax cannot seem to identify her,…
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Natwest Current Account Application rejected - can it be an ID issue?
Hello, I have just had an application for a Natwest Reward current account rejected. I want to try and understand whether it will simply be due to failing the credit check, or whether my ID will have been rejected through the HooYu validation process. I work in banking, and understand KYC checks and that banks can reject…
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Turning 18 credit check contract
Hi there, so I am turning 18 on may 2nd and for 7 months I have been paying my iPhone 14 Pro contract in my moms name, but on my debit card with Lloyds Bank. She will be transferring the contract to my name when I turn 18, I heard there was a credit check, do you think I will pass the credit check due to me making payments…
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Ccj not showing on my credit file
Hi around August 2022 a creditor issued a ccj against me, it was issued at the address i currently live at, I did not defend it, because i was depressed and scared. And the judgement was awarded. I got this ccj because I was scammed and my identity was used fraudulently. But now I'm learning that my ccj is nowhere to be…
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Can I get car finance if I have a CAT6
Can I get car finance if I have a CAT6 CIFAS thanks
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Argos defaults covered and closed by StepChange still showing Adverse
About 6 years I had my debts taken care of and consolidated by StepChange. I paid StepChange monthly for 6 years, it was all paid off and closed off last year (March 2022). But it's still showing on my Experian, TransUnion and Equifax reports as Adverse even though they were closed off and satisfied over a year ago. How…
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Default offer
I have a default on my credit file that I think is from an old catalogue account for around £600. Last year I was heavily in debt and spent the majority of the year working all hours to clear it, fast forward to losing my dad in October and gaining a modest inheritance I have been able to clear all my outstanding…
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CCJ help
Can someone please clarify something for me? I took a former employer to court over unpaid wages (I am a self employed electrician) and unfortunately lost because I basically couldn't prove the work had taken place. Anyway, I now have a CCJ on my credit file. Is this correct? I didn't realise I would have one if I was the…
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What Happens After Six Years?
So I at one point had 5 defaults and a terrible credit score. These were all from a period in 2018 when I got divorced, moved country, things weren't paid die to squabbles and stupidity, etc and yes, I ended up in a bad situation. Anyway fast forward 5 years and I sorted a mortgage, bought a house and have had no credit…
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Monzo overdraft passed onto PRA but credit report now shows a clear balance.
Advise please.... Had a payment plan set up with Monzo (PRA) took over and all of a sudden on my credit report shows that I have 'paid' off all balance. I have been keeping an eye on my report and prior to PRA taking over the Monzo overdraft was showing on it but now it is no more. The outstanding balance was £1300...has…
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My Resolve Call
(Image removed by Forum Team) Hi All, My wife received this text message yesterday (attached) from My Resolve Call. I believe this relates to an old Barclaycard credit card that was passed on to debt Collectors, Moorcroft and now it looks like My Resolve Call. We moved home two years ago and it now seems that they have…
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When does this site update your credit history - seems 6weeks at least out of date!!!!!
couldnt see the right place to post this query. Just curious. Seems really out of date in terms of stats.
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Request For CCA Agreement from PRA Group
Hi there, I recently requested a CCA Agreement and a statement of account from PRA Group. This relates to a defaulted amount from Barclaycard, over 6 years ago. Today, PRA Group said: "I can confirm that we have received the agreement from Barclaycard today and this will be sent out to you shortly." I then received a…
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Resolvecall doorstepping for statute barred, 15 year old phonebill
Hey, spent a long time getting rid of bad decisions in the mid oughts, and am now in a good space with my credit rating, and finally had a CCJ drop off my file last year. The CCJ came out of the blue 6 years or so ago, and was for a phone bill from Orange, for about £200 from an account that I lost track of after moving…
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Checkmyfile Credit Report
Morning, I have just downloaded a pdf of my credit report from Checkmyfile and there is a section at the top page which states that ‘the following information was not reported about you’ then lists debt management, IVA ect . When I log in the snap shot from the three reporting agencies it states I have defaults (which I’m…
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Cant update my score ?
Our credit score has been mediocre for years according to experian yet I've not had a problem getting a small loan if necessary. Its now classed as poor which I dont understand. We have paid off our mortgage and two credit cards. When I applied for another £1000 loan it said rejected and it said I was still paying £1300 a…
