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Utilities that report to credit files?
I am just wondering what utility companies report monthly updates to the credit agencies? (Energy, broadband, water, etc) Thanks
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Newday
i received a letter today form Newday advising that somebody had tried to open an account as me with Argos - something I haven't done. I called the number on the letter and they needed more information from me than i was prepared to share (not knowing who they are). Are they a legitimate company and am I wise to contact…
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Defaults showing twice with different dates
Hi all. I am getting myself really confused when reading my credit report, so hoping can get some clarity. I started a DMP with Stepchange Oct 2017. I had 8 credit accounts. My repayments were all up to date at this point but when the DMP started and I started paying less the default notices started arriving. Some of the…
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Mobile Phone Contract Credit Check
I'm hoping this is the right place to ask for some help/advice! On 24th Feb I tried to take a new mobile phone contract out with o2, through Mobile Phones Direct. After a few hours I received a notification from MPD to say I'd failed their security check so the order had been cancelled. No idea why - they can't give any…
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Missed credit card payments due to changed address / standing order - Experian blocking car lease
Back in early 2017 we moved house and forwarded mail for a few months plus contacted just about everyone who needed to know our new address. At that time we had a Tesco credit card with zero balance, we weren't using it so we forgot to change the address for this one. However later that summer a standing order came out of…
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Domestic abuse victims really bad credit
Hi All how do I rebuild my credit when all the credit agencies still don't recognise financial abuse . My credit rsting is on the floor and Ive tried ti get a rebuilder credit card . They said No. ( i have police records as proof ) secondly we reclaimed PPI cover from a joint account . Barclays paid it all to him , despite…
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Is this usual ~ 22 Insurance Quotation Searches on my Experian Fraud Report?
I've received an email from Experian saying there's been 22 Insurance Quotation searches. Is this normal? I certainly haven't done any quotations and can't see why all these companies would check my report. TIA Jen
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Wrong info
I recently was refused a credit order on an account I've had for 20 years. After calling them I was told tha5 my credit acore had changed and that they had information from transunion credit reference that my credit was bad. I've since been in touch with these people and seen that there is another person's information as…
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Barclaycard Platinum - interest free period
Hi, I'm looking to apply for a Barclaycard Platinum card (up to 24 months interest free on purchases) , I have a couple of questions. The following appears on their site under the summary of rates: https://www.barclaycard.co.uk/personal/platinum-purchase Does this mean that if I make a purchase on the card during the…
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CCJ coming off report
Sorry if this is a silly question, I’ve tried searching but can’t find the answer. If a CCJ is coming off my credit file in April, does that mean it won’t show on there from 1st April? Or will it be on there for April and not show from 1st May?
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CCJ and mortgage application
Hi, I recently received a letter from a debt collector. It turns out that the garage that my car was being serviced at in 2019 parked my car in the adjacent public car park which resulted in a fine, but as my car was registered at my old address I never received the letter. Fast forward a few years, the debt is up to about…
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Should I apply for Certificate of satisfaction OR cancellation? Or both?
I had a Judgement made against me on 01/03/22 and paid the Claimant on 03/03/22. I want this judgement completely removed from the Registrar of County Court Judgements and so am going to file an N443 form. This form allows both a certificate of satisfaction and cancellation to be applied for, however, I am not sure if I…
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Different Credit Score on 3 sites
Hi This may be a stupid question, I am looking to get on the housing ladder later this year, maybe next year so I signed up to check my credit score. On Clear Score its over 850 On Equifax its 758 On Experian its 560 Why is it so different for the 3? Im so confused. Any help would be great, Thank you
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Credit karma and electoral roll.
I moved home a year ago and registered with the ER. The other CRAs picked it up no problem, but Credit Karma have kept saying I am not on the ER. I decided today to do something about it. I can't foresee any need for credit, but thought I would try to fix it anyway. The dispute process for Credit Karma sent me to…
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6 years past but someone else put Dro on file?
It’s now been over 6 years and the DRO has dropped off bit there is another mention in November 2016 which was several months after the date of the DRO i think this is affecting the credit file
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Moved: Ccj parking fine
This discussion has been moved.
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Eon and credit report
Hi I'm new to this and I would be really grateful for some advice . I moved out of a rented flat (housing association) end june 2021, paid off my eon bill and had email confirmation of closure and subsequently showing as closed on all my credit reports . I have now just received a debt collectors letter for £40 for a 4 day…
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TransUnion Score dropping, Experian/Equifax aren't.
Hi all, really hoping I'm not duplicating past threads, can't see one relating to my question. My question is around how the credit reference agencies and their scores work. I have 1,000 out of 1,000 with Equifax, 999 out of 999 with Experian, but with TransUnion I am 652 out of 710 it its just dropped again today by 9…
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How can I get a mishandled utility bill default removed from my Experian credit file?
Hello, I've just applied for a mortgage and, to my surprise, been declined on the basis of a bad Experian credit file! Some digging led me to the source of the problem, which, to my surprise is a defaulted account for water bills at an old address, with a balance of about £300. Obviously I'll struggle to get a mortgage…
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Should I Keep My Marbles Card?
I have a Marbles card from years ago when I was rebuilding my credit score. My score is now fab. Marbles just increased my credit limit to £2600. Even though my score is great and the credit limit isn't really low, I'm still a little concerned that lenders might percieve my Marbles card adversely as it's a known credit…