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Desperate CCJs removel help. X
Hi I had a dispute with a estate agent over covid they were furloughed and alla services promised we didn't get. I disputed and defence this with thier solicitors it was 2020. The court said they didn't receive any paperwork to defend. I sent again I received confirmation the case was set aside. 11.2.2023 I recieved…
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Credit checks
Hi everyone I am completing the questions to obtain my credit score from Experian. They are asking for bank details including my account number to identify me. This I wish to avoid for security reasons. Is there any way around this?
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Betting company searches on credit file
My credit file shows a single soft search by Power Leisure Bookmakers Limited. The search has a sub-title of 'Anti Money Laundering'. I understand that betting companies undertake soft searches on some of their customers however, I am and never have been a customer. I'm assuming my details have been used in respect of a…
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Default removal
Hi, has anyone had any success in getting a default removed from credit file?
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Getting a Mortgage
Hi, I have recently been able to take advantage of taking one of my pensions early and have had a lump sum. I have put the majority of this into Premium Bonds as I want to buy a house in the future I have paid off some urgent bills I am in a DMP with Step Change and want to pay this off and am in process of getting…
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Building a good credit history
My eldest is just about to finish uni, and wants to start building a credit history with a view of buying a house in 12-18 tt. They already have a job lined up. They need to take on their mobile phone from September, currently I pay £7.50pm via Tesco and they don't have higher aspirations for a mobile phone. They do have a…
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List of credit card payments
A while ago I stumbled upon a page that showed a full list of all my credit card payments going back for quite some time. It was interesting but irrelevant at that time so I didn't note where it was. Now it would be REALLY useful to have that information in that format and of course I can't find it again - anyone have any…
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DWP checks
Anyone answer this please.... I understand GOVERNMENT AGENCIES are allowed to see your personal Financial Records however I don't know how they access this information. I know there are CREDIT REFERENCE AGENCIES...do the DWP / HMRC access records from all of these agencies ?
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Airbnb Situation :( Worrying!
Hello everybody :) Really hoping you can advise please on my situation and if this is likely to cause me issues down the line! I will try to keep the story brief as possible! Joined Airbnb and booked a one night stay for a parent's birthday. Unfortunately whilst there by accident one of my family spilled a pot of the…
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Score dropped after recommended credit usage
Hi all, I'm pretty confused. I've had a credit card for a few years but have only just started using it in the last 2-3 months. It has a limit of £1k. I use it for most things and pay it off gradually throughout the month. I started using it to improve my score. Near the end of the month I make sure I have £100 on it - so…
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Why Scammers (Often) Win: My Bank Holiday Nightmare Protecting My Identity (That Wasn't Even Stolen!
Hey everyone, Ever had that sinking feeling in your stomach when you realise you might have just handed over sensitive information to the wrong people? I had that dubious pleasure over the recent bank holiday weekend, and it’s left me convinced that scammers often have the upper hand, simply because protecting yourself is…
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CCJ's and rights/help as a disabled person?
Hello, A basic summary of my situation is that I am Autistic, I have CCJ, I would like to move out of the city because its making me ill and Im worried the CCJ will put off landlords. I was never given the option for "breathing space" or any other help. Are there any grounds for applying for the CCJ to be removed/changed…
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CIFAS SAR response 'issued' but how long to receive?
I filled in a SAR yesterday and am surprised to see that clicking into the status URL it seems to be ready, 'We have completed your request and have issued our response to you which you should receive within 5 business days.' I'm pretty sure they send the response via email, so how long does this actually take as I don't…
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Moved: Son and CCJ for parking fine
This discussion has been moved.
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Housekeeping for good credit
I saw a news story the other day about someone discovering someone had taken out finance in their name via some sort of identity theft. Lots of advice was to somehow 'lock' your credit score from being checked without permission. I don't really have the need to check my credit score - I have credit cards, they all get paid…
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Credit Score
Hi I received an email to advise me that my latest report was available to view and advised me on how I could increase the score. It stated that I could register to vote which could increase my rating. I have checked and I am registered to vote, but I am not on the open register. The council has advised me that this will…
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AMEX Missed Payment – Credit Report Flag
Hello, I'm currently remortgaging (due October) and have a flag on my account for 1 missed payment which i'm worried will impact my borrowing ability. Complete mistake, accidentally missed a payment by 6 days as I was going through a busy period with a new job role. Otherwise have never missed a payment, always pay in full…
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CCJ appeared no idea about it
Hi I had an email this morning from ClearScore saying my scores gone down. Check it and there’s a CCJ on there which I’ve got no idea about. I’ve just broke down crying, I’ve had enough of everything. I’m having a tough time with my family life and my debt problems are bad enough as it is but I never expected a ccj, I…
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2 missed payments for loan i knew nothing about.
I recently checked my credit report to find i had 2 late payment marks for a £17 unsecured loan i knew nothing about. This account was not on my report a few weeks before yet states its been open since August 2024 and the leave it till now to leave the 2 missed payment marks even though I haven’t paid anything for the…
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CIFAS DSAR - Response Issued but No Email
Hi All, I recently raised a DSAR request with CIFAS, not as a result of any problems etc but out of general interest. Looking at their tracker, it says that the response was issued yesterday, however I can’t see anything in my email indicating something has been sent (I’ve been through my junk etc.). Has anybody had the…
