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Problems getting CCJ marked as Satisfied - Civil Enforcement Ltd/ DCBL
Hello I am a new member, and very new to posting on this forum - apologies if this post should be posted elsewhere on the forum. Can anyone help me with this situation please? I paid a debt of £396 to DCBL on 22 July 2022. As of today, my credit file is still marked with the CCJ as "Active" * I called DCBL today to ask why…
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Old CCJ - Drydens fairfax
I have received a letter from Drydens fairfax asking me to pay for an old CCJ from 2018. This was from a credit card account from 2008 which I paid for until 2015, when I had a life changing event leading me to move a number of times. I had no job, so no means to pay and had a responsibility of new born twins. To cut the…
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Lender recording missed payments after bankruptcy notification.
I was declared bankrupt at the beginning of Jan 2022. However, one lender (who i used to lease a car which was returned) is still recording missed payments each month on my credit file. They were included in the bankruptcy order along with my credit cards, electricity etc, but still continue to add onto my credit report…
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Trying to re-build credit score after defaults, in preparation for new mortgage.
Background: Around 5 years ago, my wife and I got ourselves into a spiral of debt (around £35,000). We weren't money-wise at all, and would simply take out a new credit card whenever the previous one was maxed out. We'd tell ourselves this was just "to transfer the balance at 0%..." or was just to 'tide us over' until…
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Does paying statement earlier make any difference?
Instead of waiting until the end of the month to pay the credit card statement off in full what would happen if i paid it earlier than the due date. Would this make any difference on credit files, Does the credit file record a payment made before the due date? I heard a rumour that paying earlier improves credit rating by…
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Is there a way to get a free Experian credit report more frequently than monthly?
I regularly check my credit reports to ensure that there are no mistakes or evidence of fraudulent credit applications. Clearscore and Credit Karma update every week but the MSE credit club only updates monthly. This means it could be several weeks before I became aware of adverse activity or even accounts being opened in…
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Mitsubishi Capital
Hello Forumites, I was checking my credit file (ClearScore) and there is a new loan account showing that I was not expecting. It identifies as "MITSUBISHI HC CAPITAL UK PLC NOVUNA (I)". Looking at the details, I wonder whether this is a re-brand for Hitachi Capital who were the buy-now-pay-later finance house used by…
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Anything I can do? British Gas system error ruined credit score
TLDR; British Gas submitted incorrect information to the CRAs which has made my credit score 200 and is therefore preventing me from re-mortgaging. They've admitted this is caused by a "system error" but it has still not been resolved. What can I be doing to try and hurry this up? Full story: So a month ago, July 2022, I…
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CREDIT SCORE
Hi Can I get some help I have my name on most of the bills in my flat but some are joint does that not help my wife's credit rating as she wants to do a course that requires a loan in her name but her credit score is not high? what is the best thing to do bank account joint credit cards joint mortgage joint council tax…
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Terminating Car Finance
Hi all, hope you’re all well. I took out car finance November 2021 and now my living situation will change end of October. It’s looking likely I may need to rent a place on my own and currently I’m paying £308 per month for the car finance which is just too much to pay alongside new living expenses. Luckily I’ve got a new…
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Default notice years later
Can anyone advise? I entered a debt management programme back in 2013 and one of the creditors were Premier Man (part of the N Brown Group). I have correspondence from them acknowledging being in the debt management arrangement and that they agreed to reduced payments. These were paid regularly as per the agreement In 2020…
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Studio on line catalogue credit searches....
I opened a Studio account a while back, only to make purchases so no crazy interest will need paying. I checked my file after and they had made two hard searches, I have never experienced this with any other accounts/lenders, has this happened to anyone else? I have made a complaint....
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Nationwide credit card change on Clearscore report
I have noticed two unusual entries in the upcoming changes section of my latest Clearscore report. Account removedWhy you're being shown this insightORGANISATION NAMENationwideACCOUNT NUMBER************1234 This means that you've closed an account. Maybe you've changed your phone contract so the phone loan has been removed…
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Hard search appearing on credit file 6 months later.
Hi all just wondering if there is a time limit that a company can release a hard credit search To credit reference Agencies as vodaphone have just released a search from March.
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Bankruptcy Marker Placed onto my Credit file in Error
HI all, im new to this forum but wanted to ask some advice, I have just discovered that a company (JD Williams) has placed a bankruptcy marker onto my credit file. I have contacted them and they have agreed that this has been done in error and have said that they will remove it, however in the interim my current credit…
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Restricted access to own credit file, declined credit.
I am being denied credit and I can't pass ID checks anymore. Did someone / something me a flag? How to unlock that? My actions: A week ago I signed up for Creditkarma and checked my credit file there. I found I have quite good credit score. I proceeded to apply for a credit card from HSBC online. HSBC application result:…
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Account Closure and Cifas marker
Hope this thread finds everyone well and safe. NatWest has issued a 60 days' notice of account closure to me (dated 12 Nov). I had a joint account with my partner and one sole fundamental account. Both were notified to be closed in 60 days, but my partner's sole accounts are safe. Currently, all my accounts are still…
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Why does my credit report show incorrect mortgage balance/amount
Hi, I have a joint mortgage, with my wife. We both applied and pay for the mortgage. for easy numbers let’s say the FULL mortgage is £200k. Now remember this is shared, my credit report shows £200k, and so does my wife’s. But we don’t both have a £200k mortgage, WE have a £200k mortgage that we share: i.e: £200k / 2 =…
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HSBC (Student Account) ran credit check for a credit card student did not apply for
Child opened HSBC Student account last week (converted from previously held Child/ basic account) and then receives a letter stating they've been refused an HSBC credit card due to information from credit reference agencies. But no application was made for a credit card when opening the account. This was confirmed by HSBC…
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Wrong Address
Hi, I have received an email from a debt recovery company pursuing a debt at my ex partners home. I never lived there as a permanent resident, the original company (Utility Point) made the account in my name in error (I was trying to help him when he moved in and sort the change over). There is an outstanding amount of…
