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Default Notice after one missed payment
Hi, I’ve received a default notice from Close Brothers insurance after one missed payment. The default was enclosed with the notice that payment had been missed. I am in a position to pay what I owe. My credit rating is currently 999 in Experian & 881 in Equifax. I am furious because I am aware this default will now affect…
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Credit building 18 months or 24?
Hi folks. So I'm currently coming to the end of my 18 months with Barclaycard forward and Capital one builder credit cards, I've used both at a utilization of 40-60% and never missed a payment, always paid in full. I would like to upgrade the Barclaycard to a platinum 0% and cancel the capital one and open an Amex everyday…
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Student bank account
I applied for a student bank account because I'm going to university in September and my application got rejected, however it was accepted at nationwide. I haven't had a credit card before and so I'm not sure why I was rejected. I did open a new current account shortly before this might be why. My question is will the…
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On a DMP but want to make things manageable
a bit of a this and that post so I apologise. I suffer with Depression and Anxiety and because of some poor coping methods I’m in a fair bit of debt. I’m with Stepchange and paying a DMP and I know I’m not allowed credit etc. I really want to move Banks. I have a Current account with Barclays but they have behaved…
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Good credit rating but no fixed address = no loan - advice needed
I've lived on a boat for 15 years and until recently had an official postal address where I was registered with my bank and driving licence etc. The Post Office though has decided to delete it and won't set it up again as they don't consider it a 'proper address'. This has meant that despite a credit rating of 999 (I've…
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Associated people
Hi, I've just recieved my transunion credit report, it has an associated name, from 2005 for someone I was not with, its under welcome financial. How do I remove this person, I cannot find welcome finance email address. Any help would be appreciated.
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Experian Loan checker leaves a footprint
Despite the well meaning suggestion to use the loan/credit offers checker on the Experian app with no impact to credit score, i recently checked this out to see what the going rates were on loans as i have a long standing loan at a rate over 10%. So i had a little look on my app a couple of times to see what percentages…
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No data credit report
Hi, Had a bad time a few years ago and I now have some payday loans on my report which are showing no data from May 2019 on clearscore. Loan amount is £500 and current balance showing is £1072. Status just says no update received. I want to pay it off so it’s gone from my credit report as am applying for a mortgage however…
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Unauthorised soft search on credit check
Hi, I've been reviewing my credit file recently as I'm looking to apply for a new mortgage. Whilst I was reviewing it, I looked through who had done the soft searches on me. Most were as expected such as when the car insurance is due for renewal so nothing untoward however, I did note there was one company on there who had…
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Can I ask for Ccj to set aside
Recently I checked my credit file and noticed a Ccj was added in November 2020. This is a debt I incurred as I took out a mobile phone contract for an abusive ex partner under duress in 2015. After several years of being under his control I finally managed to leave in 2016 with my 2 children. I was forced to move more than…
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Tenants and credit rating
I am a home owner. I am planning to rent my flat out. My own bank accounts and credit cards are registered under my home address. When I rent my flat out, I am sure the tenants will apply for financial services using my home address. Will their credit rating impact my own credit score and the credit history of my house?
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Credit rating of Ltd company goes bankrupt
I am one of six directors of a private Ltd company. There is a slight possibility it may go bankrupt. If it does will it affect my personal credit rating ?
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Credit card limit and credit rating
I have a credit card with a limit of £10,000 but only owe about £2500. Should i reduce my limit to give me a better rating and better chance to get another 0% when my promotional rate ends?
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I have a Cifas Marker but still have bank accounts open.
Back in December 2019, I have been a victim of identity theft, it happened when I lost my wallet at the airport in December 2019 in which a third party was able to access my N26 bank account (with the information such as ID, and the n26 bank card) later on in 2020 the same third party (I’m assuming) has used this…
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Defaults every month?
Morning. Ex went into iva so joint loan came solely mine. I been making the agreed payment since 2021. On my report saying default every month. Also show on this how much I been reducing this. Is this normal? It with Cabot debt management. If this incorrect are they the qst port of call. Here a screenshot
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Just found out that Tesco bank has placed a Cifa on my credit file. What do I do (screenshots)?
I didn't even know what "Cifa" meant until I looked it up online. Apparantly it's to do with fraud. I have no idea why this has been placed on my file since I have never had an account associated with Tesco. Please help. Thanks.
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Is this Tomlin order for consent to set aside a CCJ valid after an n244?
Hello, I have received a consent order from the solicitors representing the claimant regarding a claim that was sent to the wrong address. I now have a ccj on my credit file which I’m really hoping to have removed as it will impact my job and relationship for that matter. The ccj concerns a debt of £2100 that I paid into…
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Possible Identity theft
I have received letters from companies I've not taken out contracts with. (Tesco mobile and o2 insurance) so I think someone is fraudulently using my name and address. I've logged it on action fraud but I've no idea what to do next? Grateful for any help or advice?
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Suddenly unable to get a loan and not sure why? A few weeks ago I was able.
I need a loan for £25k - a few weeks ago most of the sites said I was eligible but I never applied. But now, almost all lenders say I am not eligible. Why could this be? One thing I think that caused it is that a few weeks ago I properly applied for a loan which I chose not to proceed with (as the interest as a lot higher…
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Default raised on my credit file in error
Hi, I'm hoping someone may be able to offer some advice or let me know their experience regarding a default being logged against your credit file in error. In December 2020 I missed a few payments on my Barclaycard credit card, I was sent a final letter where I had to bring payments up to date and if I didn't pay by…
