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Loan appeared on ClearScore
Hi All, A new address and a new loan with Sainsbury's bank, £25k, so not insignificant has appeared on my ClearScore report. How would I go about investigating this? It's obviously not mine. Thanks
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Credit Searches show old address
Hello, Strange one this, when I look at some of my hard and soft searches on a credit reporting app, say clear score, It shows my very old address as the searched address. This is my parents address that I have not been at now for some 8 years. I have not entered this account in any searches online but ASDA and EE have…
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Mortimer Clarke ccj?
Hi, Apologies if this is on the wrong board !!! My dad died back in May this year and my mum is'nt capable of dealing with financial matters, especially as she is now on end of life care in hospital herself. I got a letter at the weekend in both there names sating that mortimer clarke were dealing with a debt for which…
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Alternative to Electoral Roll?
Hi, Being a USA citizen living in Northern Ireland with my Irish-citizen husband means that he is on the electoral roll and I am not eligible to be. This means that when he and I both apply for the same credit card with the same income, he gets a credit limit of £1600 and I get £800 (at best). We are looking to buy a house…
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Bulb Energy Scam
Bulb sent me a final bill at my new Property in September as I had joined BG and, did not want to be with Bulb. I paid the amount by cheque and my Bank confirmed Bulb cashed it on 15th Sept 2022 and, they provide with paper proof that this amount has been paid to Bulb Energy. Bulb continue to chase me for this small amount…
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Joined ClearScore and clicked a 'See what credit cards youre eligible for', was this a hard search?
As per title, I joined ClearScore as I'm trying to get an idea of credit ratings. On the dashboard there was a button to 'Check what credit cards you could be eligible for' which I clicked, not even because I'm right here and now wanting to open a credit card but more just out of curiosity. Now I'm paranoid I've done a…
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Cifas Protection
Hi does Cifas Protection stay on your credit file after two years or do you have to pay £25 every two years, unsure about this (currently a victim of Identity Fraud
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Getting a CCJ removed
I recently received notification of a claim against me relating to a parking ticket from 2018. Long story - I thought I had already paid this, turns out it was a different one at the same location. Anyway, the total claim was for £306.64. With Christmas coming I am trying to manage my cash as best I can so I filled out the…
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Financial History / Score
Dear all, I have one question if you could help me. It’s regarding the order of my name for the credit check the bank does to offer a credit card. I’m a spanish national and as you may know in Spain we have two surnames. My question is how should I fill up forms like electoral and another ones so the systems would know…
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Resolvecall and Capquest
Resolvecall contacted my about a debt from 2006 on behalf of Capquest. Capquest suddenly stopped the agreement of £1 a month without me knowing anything about it in 2019. I wrote to Capquest and let them know my present situation, I am 67 , retired and living off the state pension. I told them that I would not engage with…
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ClearScore rating dropped unsure why
Hi all. Would a new mobile phone contract drop my ClearScore score by 31 points? The first payment hasn’t been taken yet. I’ve got a very high credit rating which was 983 but dropped to 952 this week. The only thing that’s changed is I took out a new phone contract last week. I knew they were doing a credit check and…
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Question Relating To Possibly Unenforceable Debts
Hello, It is alleged I owe two amounts relating to two credit cards. One amount is being managed by PRA Group. The other has just been passed to a company called Intrum. Neither appears on my credit score, as the alleged debts are over 6 years old. I am paying both amounts off monthly - £5 per alleged debt. PRA Group The…
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Cifas Protection Marker?
I got the Cifas Protection two years for £25 in December 2020 due to my details being obtained by a scammer, does the Cifas marker stay on my credit report or do I have to pay £25 again?
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ID mobile didn't cancel my rolling contract
Because of this I got 3 months of missed payments. This happened 2 years ago and I only realised this week it hit my credit file. This wasn't my fault though. I cancelled it over the phone and the operator told me the date it would be cancelled. I didn't record the conversation. What can I do in this scenario?
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CCJ Advice - Not paid as goods not received.
Hello, I'm trying to sort out and an old CCJ I received a few years back, in 2019. I used a online auction to bid on a item. When it came to pay I didn't have the money and apologised to the company. I was planning on buying it through my limited company. My company details are on the site, VAT and all. I think they…
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What difference does an 'Alternative Payment Plan' make to credit status/score
Hi i just got accepted onto Severn Trent Water's scheme to reduce water bills for those on low income. Got the tip from MSE's most recent email. But in the welcome letter it says they will share that i have asked for help with credit agencies. It says on their website "If you are on an alternative payment plan, for…
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Equifax argh! No record of my council tax, b'band, gas, elec and water.
Has anyone else suffered absolute frustration when trying to deal with Equifax? The story - Applied for a new mobile phone contract with Virgin and was turned down, which was a shock. They told me to contact Equifax, who they use for their credit checking. This I did. I signed up for an account and was shocked to see I had…
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Having a bit of a nightmare with EE
Quick backstory, back in September I transferred from BT to EE mobile, everything seemed to go ok, but after a few days my number hadn't ported so I called EE and asked what was going on and it turns out the port date had been set at the absolute latest date possible, this of course meant that I would have both contracts…
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Disposable incoming assessed as low, but it isnt!
Hi Gang, Just got declined for a credit card which surprised me so i went on the credit club on here. Everything is 999 / fully green except Disposable income which is rated as red / very weak. How do they calculate this? 2 kids (one in school one nursery) I put 1k a month into our joint account to pay bills but thats…
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A soft search apperared on my file but not by me
It says Type - Credit quotation by Barclays group,. I've had a BC forward for about six months, do you know why they would do a soft search? Only thing I can think of is maybe a credit increase?
