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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…
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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…
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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…
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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
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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…
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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?
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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.…
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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…
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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…
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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…
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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…
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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…
