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Security Clearance
Hi - new to MSE but have a question as I am going out of my mind with worry. As part of my job I now need an SC clearance and i have completed the forms, been totally honest about my financials etc - 4 defaults on credit file, in an IVA too, but no ccj's or bankruptcy., not good reading at all I have even phoned them to…
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Barclays still hold my details 14 years after bankruptcy
Hi all, hope this is the right forum to post In 2008 I was made bankrupt due to unfortunate circumstances with partner losing all his income. I have just applied and been confirmed for finance with Amazon through Barclays. When I rang them to confirm my phone details they said all my details were still linked to a Barclays…
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Low Income High Savings problem
Barclaycard have suddenly reduced the credit limit on my card to below my
normal monthly spend even though I have paid off my credit in full every month
for 10 years with no defaults ever. I rang Barclays
but they said they could not give me a specific cause for their decision so I
don’t know what issue to address. When I…
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New default - guess I’m screwed?
New default - guess I’m screwed? Hi, really upset. I’ve just been issued with a new default. I’m 29, and feel like I’m officially screwed. I honestly didn’t know I had defaulted or missed a payment until I called the credit card company to make a payment.I have had a lot going in my personal life in the last few months. Is…
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MSE Credit Club - Security
Hello FolksI signed up for the MSE Credit Club to obtain My Experian Credit Score and Report, which is an excellent service thank you MSE. Does this represent double the potential risk of being exposed to a data Breach though, ie. a potential risk of data breach at Experian and a potential risk of Data Breach at MSE Credit…
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big drop!
Hi, i had a 999 experian score, i took a new mortgage 4 months ago and a £13k personal loan, i also have £1500 on a credit card all with santander. My score has dropped to 722. My partner has recently done the same thing at the same time and hers is still 988. Why has mine dropped so much i haven't missed any payments etc
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Will opening a second current account harm my credit score?
I’ve been contemplating opening a second current account with Barclays to take advantage of their 5%+ linked savings account, as well as to eventually take advantage of switching bonuses. However, I’ve read conflicting information about how opening accounts can affect your credit rating. Just for context, I am… - In my…
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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…
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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
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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…
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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.…
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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…
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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…
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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…
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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…
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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…
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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,…
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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".…
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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…
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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…
