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New entry on clearscore credit report
H all - I have just been checking my credit report on clearscore thanks to the regular email and for the first time its says A credit agreement is being added to your report . On my clearscore report and entry says "Severn Trent has been added". Am I correct in thinking this is just because they are now sending data to…
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Illegal credit search resulted in large drop in credit score
Q: Is there anything I can do to bring my score to where it was prior to illegal credit search or would I have to rebuild? Context: I had a broadband company salesman lied to me that the search his company does will increase my credit score and it wouldn't leave a footprint. I later found this to be completely false. They…
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Bank Signatory Check
hi good morning i have recently been promoted as a Director to a limited company and the bank have asked for ID to undertake KYC checks (which are fine) and because i will have limited access to business bank accounts to approve payments etc. Will my previous poor credit history impact my ability to be a signatory? thanks…
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My Experian account is wrong and completely different MSE Club account
I've been intermittently checking my credit rating on Experian free account and it's been stuck at 752 for months despite me doing all the right things all my adult life when it comes to borrowing. Today I had a closer look and it said on Experian that I don't have any credit accounts, mortgages or loans on record. Which I…
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Building credit score - should I take out a new credit card?
Hi All I went through a period last year where I was using my overdraft with a high credit utilisation on my credit cards and so my credit rating took a hit because of this. Over the last few months I've been working to build it back up but I've hit a bit of a wall and the growth on my score has been slow. The top…
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Credit history
So I’m now 10 months away from my last ccj coming off my credit file which was settled last year. so come December provided I don’t mess things up will my history look in good shape? here is a picture of my history of payments. Have 5 credit cards some do carry balances but expecting them to be all cleared by June and no…
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Bank approved mortgage and declined -after audit
Wondering if someone can advise me on that, Barclays approved our mortgage on the 1st of November 2022 , we were happy and were busy shopping for new house stuff. we got an email which was forwarded by our broker that bank need our pay slips, statements and proof of deposit again and statements should show that deposit if…
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Credit Rating - Should I tell them?
Hi, I have 3 credit cards, two smaller ones (2k each) and a larger one. I've had the larger one 8k since about 1978 and use it most of the time. I always clear all cards each month by DD. Experian is only aware of the two smaller ones and continually sends me updates to check my score, almost always within a few points of…
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Should credit limit increase offers be accepted?
Would this help or hinder a credit score?
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Identity Theft Cifas
Someone has opened an account with JD Williams, but i have Cifas Protection, how has this happened and what can i do to stop this in future i thought Cifas would protect me their are also no hard searches on my file
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CCJ and Address on Credit report that isn't mine
Hi I would like some advice on a CCJ that is not mine on my credit report. Over a year ago I noticed on my credit report that there was another address added, this was listed as current address, telecoms bill, credit card and Thames water. I have never known to be at this address and do not know anyone that lives in that…
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Very Pay - worth it to save £100?
Not sure if this is the right place or not but I'll ask and see..! Basically it seems if you take out a "Very Pay" credit account you get 20% off. I'm looking for a new laptop, using this 20% off would save me £100 or so vs the cheapest alternative place, Argos or Amazon. I havec zero need for the credit, and I don't want…
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Having difficulty disputing a credit file error? Please help!
Hi, new here; I'll try to be concise. When I closed my previous Yorkshire Water account, I was required to provide details as to where I was moving (which I thought strange). This lead to Yorkshire Water passing my details on to the new Utility Company, and an account was automatically opened in my name. However this was a…
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Debt Letter Conundrum
We have received a debt letter addressed to our house, in my wifes sisters name, she has never lived here. The sister has been an in patient at a Section 1 mental care institution since August 2016 and is considered not to have capacity. So far as we know she has not been able to make any purchases in this time. Her only…
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Can't get mortgage after fraud and credit score affected
Hi I'm hoping someone can help and with next steps. I am writing this on behalf of my son. He and his girlfriend Have applied for a mortgage but it was rejected as my son's credit score was bad. He has always had a great score but in may this year we found out someone had taken 3 accounts out under his name with O2 an…
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Incorrect CCJ
My daughters partner has a CCJ wrongly placed on his credit file (his father has the same name). The courts say that its Experians fault and Experian say that they have correctly applied the information given by the court. Any suggestions on how he proceeds?
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Lantern DCA Confusing problem.
This might be in the wrong forum, for which if it is, i apologise. Last week i received a demand from Lantern, saying that they've been trying to find me. (News to me i have lived in my current address for twelve years) They have issued a demand for £250 saying that i owe it. Now they don't say what the 'actual debt' is,…
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Debt collection searches CRA
Debt collection searches appear in the soft search part of my credit report however after check with Equifax apparently they can be seen by lenders and do negatively effect your credit worthiness. Is this true? I thought only hard searches were visible when applying for credit? I will attach picture to show what I mean…
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Credit file skullduggery
Can anyone tell me if this is right/allowed. It's from Provident Personal finance, I'm sure people are aware of the back story of all this and payday loans but when they liquidated the just marked it as satisfied rather then removing it. I missed the time frame for compensation and when I've emailed them they basically say…
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Credit Rating: How it works and How to improve it discussion area
This thread is specifically to discuss the Credit Rating: How it works and how it improve it Guide Including the new, unique Credit Checker Click reply to discuss
