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Admiral default notice, what do I do?
Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…
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Overdraft and credit rating
I have a £1000, 0% interest overdraft. I don't need to use it. I have no need for credit. I got it to to help boost my credit rating for when I buy a house. I cannot get a credit card. I tried but have no credit history due to not needing any. I need to know how to effectively use a 0% overdraft to boost my credit score.…
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No longer on the electoral role with Equifax
Hey forumites i am about to apply for car finance and decided on a cursory glance at my credit files…it seems on equifax i am no longer on the electoral role..having called them they explained they require annual confirmation from local councils to maintain this status..i.e they take you off every year until they are…
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Can I change the address of the defendant on court papers after obtaining a county court judgement?
I've obtained judgement against my rogue roofer and I'm just waiting for the paper copy of the judgement through the post. I've recently found out that the address he told me he lived at (that also appeared on his invoice and van) is not where he lives and he's not local. I can't find any information online (went through…
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Equifax - Address not listed
Good morning, a relative has been involved in an APP scam recently and has asked me to help them keep an eye on their credit files. We have set up the MSE Credit Club for Experian and Credit Karma for Trans Union without any issues. We have tried to set up Clear Score and directly with Equifax but their address isn't…
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HSBC removing credit searches after three months...?
Hi all, Wonder if anyone else has experienced this! I had three hard credit searches on my Equifax file from HSBC, two from August and one from October. Ordinarily these would drop off after a year, but they've all progressively been removed from my Equifax file and are now all gone. I've not had any contact with HSBC that…
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Goodwill letter
Hi All Basically pushing for a mortgage so after all the help i can get...credit score is slowly creeping up, i had an account i completely forgot about and it ended up going over my very small overdraft for 2 months in a row (silly i know) I've heard of people writing to banks etc to ask them to remove the missed payment…
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Paid amount of claim form in full. Need advice
Hi! I can't seem to find the answer to this elsewhere. I recently received a claim form for about £100 that I owe. Since it's not a huge amount, I just decided to pay it in full to avoid it becoming a CCJ. I called the solicitor and paid the amount and asked if I still had to fill out the claim form and they said no, and…
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Credit limit in total
I don't look at the score because I know it's a load of bull. I looked at credit karma and it states that I have 20k of credit available in total and I only earn just under 22k..I am not needing any other credit at the moment as I just got a new credit card. But I am amazed that I have that in total. Is it possible to have…
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A fraudulent bad debt on my credit history is stopping me remortgaging
Help please!! In 2017 someone took out an O2 contract using my name (but wrong title) and date of birth, in 2018 I received a letter from a debt collection agency (Lowell) - I called them to explain it wasn't me, never lived in London, never had a O2 contract etc etc....thought it was sorted... Now I find the fraudsters…
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Anonymous Voters (ER) list and credit scoring
Hi, I wondered if anyone can offer a perspective on Electoral Registration (anonymously) and credit scoring. I am listed on my local authority Electoral Register (ER) as an anonymous voter for security / work purposes. The issue I have is this - does this affect your credit score ? If you go onto Equifax, Transunion uk,…
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Credit file data check from lenders
Hello all, I hope you are well! I have a general topic to put out there for people’s discussion and insight if possible. When a lender runs a check on you for say a credit card or a mortgage, do they see the live credit report on that day, or do some only get a snapshot of when they pull data from the credit lender? I’ve…
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Financial Association
Hi guys, long story short: Me and my other half ( not married ) applied for a mortgage. Found a house, mortgage offer was issued but sale unfortunately didn't went through. Buying process is over, mortgage offer expired. I have opened my credit report and noticed that now in my credit report it says that I am financially…
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Barclays GDPR request
Hello all, wondering whether anyone else has ever requested right to access from Barclays and has difficulty? initially requested it in September and they waited a month then sent a letter saying go to branch with ID, so logged again by a staff member over the phone in November, and said would be fine this time I done mine…
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Experian Credit Score
Hi All, I have recently moved taking out a new mortgage in the process. My Experian credit score used to be 999 but is now 879. The reason, I think, is because the age of my mortgage is showing as N/A (as it was only taken up last August). Does anyone know how often mortgage repayment history is published to these agencies…
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Electoral Roll
Hi - I hope someone could help me. I check my credit report every month with ClearScore and this month it’s tells me my electoral roll has been updated. I have moved or anything like that. It is showing as my correct address. I’m hoping someone can put my mind at ease. I know they publish a register every December and do…
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CIFAS Flag in Error - what are the next steps?
Good Morning all, looking for a little advice if possible please....i'll summarise in bullet form: 1. Received a text message from Halifax in June 2022 saying 'thanks for updating your details' - I hadn't, so I quickly called them and found out my address, phone number & email address had been changed. Some digging…
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Is rent including bills damaging my score?
My credit report by the MSE credit club shows low disposable income. While I’m not exactly rolling in money, I also wouldn’t say I’m struggling. So I wondered if this was partly because when I enter my rent payments it looks high relative to income - however it includes all my bills. So while that expense is higher, none…
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Requesting CCA agreements
Cabot holds two of my lloyds credit card accounts and these are 7 year old debts for which I doubt a CCA can be found therefore making the debt unenforceable but I just want to be sure. Can I send to them just one cca request letter for both accounts and a postal order of £2 or should it be two separate letters with two…
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Improving Credit Rating and Mortgage
Hi, I went on a credit card / loan / overdraft binge a few years ago. Credit report is getting back on track. 02 Contact - no missed payments 5 years (I know phone contracts are irrelevant) Halifax Current Account - no O/D - have not gone negative ever in 5 years Capital One Credit Builder - 13 months under 30% limit, paid…
