-
Surprise CCJ - advice
My son was in rented accommodation and had a SMART meter fitted. His next bill from EON was 4xhigher than the previous years equivalent on an analogue meter without any change in usage patterns, resulting in a 6 month bill of over £1000 for a one bed flat. He disputed this amount with EON and the resolution dragged on…
-
CCJ credit file
Is this a mistake I paid off my ccj last month it has 1 more year left to run on my credit file but I’ve received a notification saying it’s due to be removed this month when my credit file updates
-
Lowell and CCJs
Hi. I'm am sorry if this is in the wrong place but I am not sure where to post. I got into some financial trouble back in 2014 and was issued 2 CCJs. One in 2016 and another one in 2020. Lowell group were in control of the CCJs and I have paid them every month since they were issued. I have been paying the 2016 one like…
-
How close can I get to my credit limit?
Hello, I have a credit limit of £2,750.00 on one card, and it has a balance of £1,192 so there is £1,558 available. Am I ok to spend £1,100 without it affecting my credit worthiness? There would be £458 available and the credit card is paid off in full every month. I would not make any further purchases this billing cycle.…
-
Will a CIFAS protection registration affect my ability to rent a room in a houseshare?
I'm currently looking to rent a room in a houseshare and I'm at the stage where agents are doing references. An agent told me their landlord wants to do a "speedy reference check" and apparently one of the things these do is look out for things like fraud. How much will the protection registration affect my ability to rent…
-
Credit Score When Opening New Bank Accounts
I've been interested in the Barclays Rainy Day Saver but I know that I'll have to open a new bank account with them after I've already opened an account with another bank recently (about a month ago). As far as I know, the credit checks that come with opening a new account can affect your score if they're done too often…
-
Repaying Debts and Credit Score
Hello, Background: I defaulted on a credit card and personal loan 7 years ago. Both outstanding amounts were passed to Debt Collection Agencies. I have two payment plans in place: 1. Credit Card debt (£6,200) - the debt defaulted on or around 01 May 2015. 2. Loan (£11,000) - the debt defaulted on or around 01 September…
-
CCJ for Tenants who have gone their separate ways
My daughter lived with a friend for a year or so, and for reasons unknown they thought they could not pay their council tax. They've since parted ways, my daughter now lives with her boyfriend, her friend has gone off elsewhere. Today my daughter received a CCJ addressed to both her and her friend at her new address for…
-
Should I keep credit card accounts open
I’ve done numerous 0% balance transfers over the years but have always kept the accounts with zero balance open, I’ve got access to nearly £80k of credit but using just £13k. Is it better for my credit score to close the accounts with zero balance or leave them open? what is the ideal balance (no pun intended 😉)of unused…
-
Credit Rating?
Retired, tried to get a new reward credit card but turned down due to credit rating. We are supposed to have reward cards but organisation has changed banks, it's a right mess, new ones have not arrived, so we would like to ditch them! We have where possible always paid everything off, we really have not used credit much,…
-
Footprint: what do lenders see? and how to understand the info?
Hello, learning about credits scores, etc and want to get a detailed understanding, so hope this is th right place. I have a lot of questions but if brainy folks on here can answer them, this will become a useful resource to help others interpret their own credit reports. If you have a search done, it leaves a "footprint".…
-
CIFAS - how long do they keep your data after a search?
I have been reading up about CIFAS. So basically, if a fraud is suspected, the bank will notify CIFAS, supply a case file and place a marker on the database with that persons details. But what if there is never any fraud? If a bank does a CIFAS search with a persons name and address, and there is no markers, does CIFAS…
-
Error on Nationwide report showing Arrears
Hi, so after being refused a small increased overdraft i decided to check my credit report on Clears Score. It showed an arrears- worsening- on my mortgage which was the first I’d heard of it. i called Nationwide and they confirmed there were no arrears and they had not ‘reported’ me and to get in touch with Equifax After…
-
CIFAS Marker obtained for fraud but it wasn't my fault.
Beginning in February of 2021, my account was used, without my consent. The person who used it had gotten access to my santander account, and clearly used it for fraudulent reasons. I have no intention on denying it. At the time, the person who had committed the fraud (a extremely close relative) was living with me, and…
-
resolve call proof of debt
I recently was contacted by Resolvecall regarding a debt i did not recognise, i asked them for proof of debt and they have sent me a load of statements from 2005-2009 for a credit card I forgot i had. I have not paid anything towards this debt and have not acknowledged it for 13 years it would seem, does this mean the debt…
-
ClearScore seems to have mad data?!
I applied for a loan online today. I was told initially I was eligible for a rate of around 6% based on my income, however when I put in the application was only offered 13.5%. I figured I must have a bad credit score (for no reason I could see) so checked ClearScore, where it says I have a good credit score but on my…
-
Missed Payments & Remortgage
I’d like to ask a question - due to cost of living crisis I have missed a credit card payment this month - I will be remortgaging in 4 years time (yes I’m a worrier) Before I remortgage I’ll have paid this credit card off fully and by next year 2023. I want to understand / intrigued that when I remortgage in 2026, I know…
-
Barclays incorrect information on credit file
I've got a bit of an ongoing gripe with Barclays at the moment, which the best way to explain is to start from the beginning. At the start of Covid in 2020 my partner was laid off and I lost all my overtime so I decided to take a 3 month payment holiday from my Barclayloan, when the 3 months were nearly up I had the option…
-
Default removal
Hi, Has anybody successfully had a default removed? We have recently had a default applied to an account following one missed payment. Payment was due on 3rd October and default logged on 25th! it feels like a very disproportionate reaction to one missed payment
-
Credit Rating - Credit Card Accounts
Good Morning All, Looking for some quick guidance from people in the know. I currently have 10 active Credit Cards (some dating back 5 or 6 years), however I only actually use 2 of them. My total Credit Card utilisation is 47% and dropping fast. My question is, am I better to keep my old (now redundant) Credit Card…