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Should I go through with an AP?
Hi all, I have been reading around these forum's on what affect an AP would have on my rating longterm. Basically my situation is that I'm paying off my credit cards, and after all my outgoings I'm left with less than £30 a month. I have looked at what I can cut back on but found nothing. I'm not able to get a balance…
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Arrangement but NO Arrangement
I admittedly was late on a few payments on my Santander credit card. I ran a credit report on three separate agencies and on two of them these late payments are showing as Arrangements. How can this be he case when I haven't not agreed anything with them. Interestingly on the third agency they just show as late payments.
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Identity theft advice - what now?
I've checked my credit report and there are a number of soft searches for insurance (presumably home insurance but could be other types with Admiral, Hastings and others) issued to my old home address (I couldn't redirect mail as it was a block of flats but I thought I'd changed everything over). I contacted Hastings and…
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Part settlements
I am looking to part settle my credit card they have informed me it will remain on file for 6 years as part settled. Do this have an effect on obtaining more credit ie mortgage in future. Just want to add this has not defaulted at all just wanna to get it paid off
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Credit file - Employer details
Hi I work as a contractor under an umbrella company, recently applied for a credit card which was successful. In the application, I provided my employer details but instead of providing my umbrella company as employer, I gave the the company I work for as employer. Oversight as I didn't really think about it. Question is,…
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2 CCJ'S set to expire and 1 CCJ id like to satisfy, can i?
Hi everyone, these are the CCJ's. Went through a divorce. No excuse but bills were the last thing on my mind, stronger people would have handled it better. 1. Judgement date 06/02/2017 - £451 2. Judgement date 09/02/2017 - £861 3. Judgement date 13/06/2018 - £326 I am hoping to rent somewhere. I cannot satisfy the first…
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Social tariff effects
Hi Can anyone advise what impact going onto a broadband or phone providers social tariff has? I want to save money each month but in doing that I definitely do not want to trash my credit scores that I've spent years improving. This padt year has changed everything. Thank you all.
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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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CCJ from charge in 2016
Hi all I was looking at loans over the weekend and while doing a credit check, I discovered that I had a CCJ on against me that I had NO idea about. After doing a lot of chasing, it turned out that this had been for an unpaid parking fine (that I also didn't know about) from 2016. It's currently sitting at £369 and the…
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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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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 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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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 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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My credit rating
I was
refused a loan today. I need to get dental implants. Due to severe bone loss in
my upper and lower jaw dentures are a problem. The dental company checked to
see if I could get a loan from the finance company they use and I was
refused the loan. The rate was 5.6%. I work
part-time. I also get PIP and disability…
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Does checking your credit rating affect your rating?
As per the title. If I check my credit rating does it negatively affect my credit rating? I was refused a loan today. I am confused as to why as I have no debt or bad credit. I want to check my credit rating. I don't want to check my credit rating if it will affect me negatively. .
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Should credit limit increase offers be accepted?
Would this help or hinder a credit score?
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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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Always in overdraft
Hi im looking for advice on two things, how much being in your overdraft nearly all the time affects credit score/mortgage application and also can a bank take an overdraft off oyu with no warning ? in a nutshell my savings are 4 times more than my overdraft but currently to one side to buy a house, if i was to put enough…
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Financial Dissociation from Ex Partner
Hello, anyone who has previously dissociated from an ex partner on their credit report...Can you advise whether I need to notify all CRA separately? I have only been able to find the form for Experian up to now. Thanks!
