-
CCJ unpaid, 6yrs nearly up - what happens?
Hi, someone unbeknown to me took out a store card in my name & I only discovered this when I applied for my mortgage & our mortgage advisor saw the CCJ on my credit file. It’s for £350 total & was issued Dec 2018. It was issued despite the debt being 14 years old & the payments ceased well before that. I tried…
-
Default
Hello wondering if someone can help me out! I checked my credit score and noticed a default from BT. It was my old address that was down for the default, it said from 2017 for £30. I phoned BT to say I’ve not lived there for 5 years so I don’t even know what it is for since I’ve not had any letters etc. I’m assuming…
-
O2 Declined despite perfect credit score/no missed payments for MSE £6/mth SIM
Hi, I have had an O2 monthly contract for several years and last week applied for an additional O2 Sim-only contract (a whole £6/mth as promoted by MSE). I was rejected. Shock, horror, first time in my life. I have a perfect credit score, never missed payments, electoral roll over 21 years, etc. I took out the 0%…
-
Credit reference agency’s misleading
Hi I am a newbie looking for help. I have an account with NCO europe that was past onto them by capquest. nco Europe was posting on my credit file saying I was missing payments and in arrears. after complaining to them and the ombudsman they lied and said I was in arrears despite capquest saying I was not.I have since…
-
vodafone ex singlepoint
i recently applied for a loan for a van for £5100. , and got turned down, so i checked my credit history to find i have 26 missed payments to Vodafone ex single-point with the most recent missed payment jan2023. so i investigated this as i have been with Vodafone for at least 20years and paid at least 15years by d/d. so i…
-
Defaulted credit from account not in my name
Hi, About 4 years ago my "friend" took out a new phone contract but couldn't pass a credit check, i being good friend said that i would use my credit to pass the check. The account was in his name, it was his bank that was set up to make the monthly payments and his home address on the account but my credit was used to get…
-
Admiral default notice
Hello everyone. I look for some advice if anyone has had this issue with admiral before. It’s quite a long story I’ll try explain the best I can. So.. my renew with admiral was due on the 6th of February 2023. I had taken out a new policy with Esure as they were cheaper. I totally forgot to call admiral to tell them not to…
-
'Satisfied' CCJ Advice
Hi, all! I'm hoping somebody might be able to give me some clear advice here, as I'm getting conflicting directions from different reputable sources. A little context first, however! I am in the process of applying for a mortgage, however, I have a couple of CCJs on my credit file that my mortgage advisor suggested I…
-
PRA Repayment and Credit Impact
Hi all, First time posting. Looking for some advice. 12 years ago I defaulted on a MBNA credit card debt of about £12k. The debt was brought by PRA group and I agreed a debt repayment plan. I’ve been paying it off since £5k paid off £7k left. I’m currently paying £20pm. The default dropped off my credit report 6 years ago.…
-
Accidentally went into "unauthorised overdraft" - affect credit standing?
Hi. Well it's finally happened. Through a simple oversight and moving money around at the wrong time I accidentally slipped into an "unauthorised overdraft" on one of my accounts due to a credit card payment (didnt bounce). It was a complete oversight and I put money in the account within a couple of hours to rectify the…
-
Register of judgements how long time span ?
Hi, Does anyone know how long if you do a search on the register of judgements it goes back ? My brief scenario is approx 2007 to 2014 I used to live in property A, property B 2014 to 2017 and current property since 2017 I haven't been on the electoral roll for over a decade nor have I done a credit search since around…
-
Amigo Loans reporting missed payments for 7 years!
Hi all, i stupidly took a loan out with Amigo Loans in May 2017. Long story short i lost my job and couldnt afford the repayments and neither could my guarentor as they were on benefits (yes thats right, amigo accepted a guarentor that was on benefits!). Anyway, it resulted in a CCJ of which i have been paying the agreed…
-
Unknown Clearscore Alert
Ive had an account from JD Williams added to my clearscore account, i have Cifas Protection and no lenders have looked at my file for 6months and their are no soft or hard searches on my file, is this an error, what do i do (it wasent me) thanks in advance
-
Carphone Warehouse hard search and finding out my details are being used in fraud...
I received an email from Clearscore saying my credit score was changing,when I looked Carphone Warehouse had put a hard search on my score because I hadn't paid a bill from January £66 and it went too £88 February and still unpaid.I don't have a account or mobile contract with Carphone Warehouse and haven't since…
-
Addresses and credit score
Hubby and I recently sold home and move into rental accommodation, we do not like the area we moved to and will look for another rental before we buy again. He is worried changing address three times in three years may impact our credit score - will it?
-
Credit Usage Trap - Help!!
So I have been using an American Express card for 19+ years - averaging £1,500 per month, occasionally peaking at £3,000 as I expense back from my job...Always pay card off on time. Stupidly, I took the advice from all the credit rating agencies, that I should take out another credit card to build my credit rating.…
-
Not sure why I'm rejected for credit
I've just tried applying for a no-interest (spread the cost) finance on a new high-end laptop through my bank. I was rejected and it advised to check my credit score. This is the second time I have been rejected in 12 months. I have checked Experian which is what this bank used and my credit rating was 999 (excellent). I…
-
MSE Credit Club and difference to Experian score
My Experian credit score recently went down by 12 points for no apparent reason. I have the bog standard free monthly score update from Experian. Wanting to know why I decided to sign up to MSE's good sounding Credit Club. Application fine, when I sign in I see the value for Experan it's 15 points below what Experian's own…
-
Lowell supposed debt from 1997
Good morning, I have received a text from Lowell stating that I have an outstanding debt, I have over the past 6 years received a couple of letters from a debt agency, re a debt from a store card? Fisrtly, I don't think I ever had a store card, if I did, it would have been pre marriage 1997. I have never contacted these…
-
Address changes
Hi, I've recently moved away from my family home that has probably a decade or more of credit history attached to it. I'd completed the purchase of my new address two months ago but have only actively lived there for the last three weeks. As a new homeowner I'm potentially looking at securing a 0% credit card for some of…
