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Default or CCJ after Repo
I recently went through a messy divorce and had the matrimonial home which was solely on my name repossessed by the lender. The procced of the sale was enough to cover for all the debt and even have about 85k left. I Just checked my credit report and discovered 3 defaults on my files.( one for the main mortgage and two for…
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CCJ awarded as I wasn't receiving my post
Hello, Its a tricky one this - I discovered I'd had a CCJ filed on me for an unpaid parking ticket. I didn't get their notifications or post as my ex-wife and I were having a very painful split up which meant I could not go to my house to retrieve post, and no post was being forwarded to me. All correspondence from that…
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Shell energy - credit file entry
Hi all, hoping to see if anyone has had a similar issue with shell or any other utility company. My utility contract was moved from pure planet to shell due to pure planets demise. The move was completed in January and since then I’ve paid by direct debit and currently have a credit balance with up to date meter readings.…
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Am I due compensation?
I have recently had a piece of inaccurate information removed from my credit file after two years. I notified the creditor (Marbles) in August 2020 that my account with them was listed as in default, when in fact it was paid off and closed. No action was taken. I have been refused credit several times due to this and have…
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switching current accounts downside
Hi, I've recently switched current accounts twice to get the switch bonuses. I am considering switching several more times to clean up the rest of the bonuses available. Is there any downside to this? I'm not planning to apply for any major credit products in the near future (next year or so), but could this impact my…
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Improving credit score report - Debt to Income Ratio
Hi everyone, I just did my Experian check on here through MSE Credit Club. My general credit score is very good 969. My credit card affordability rating came back as 'Good', but my loan affordability came back only as 'Fair'. I also seem to be having an issue with my Debt to Income Ratio (Amber rating). I have a credit…
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Removal of Missed Payments from Lloyds
Hi Guys, Lots of you have helped me in the past - though I can't find my other older account name on here, but anyway, I just wanted to post what happened here in case it's of use to anyone. During lockdown I lost a lot of income and got into trouble with my card debts etc. I missed some payments on my credit card with…
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Credit File Advice
Hello, I’m not sure if anyone can help me on this please? My husband and I are separated and have a joint mortgage, he lives in the property and has debt following a failed business (debt in his name not mine). One of the creditors associated with the old company have gone through the courts and have just won a court order…
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Lloyds and my Credit Score!
Can anyone give me any advice - would be very grateful. I was self-employed until covid, doing 2 jobs. I lost both of them during the lockdowns and my finances went a bit haywire. I got behind and was late for 2 payments on my Lloyds credit card. I then got a new job - going back to full employment (which was really lucky…
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MSE credit club verification problem
Has anybody had any problems with the credit club recently after many years of no issues I tried to login on over the weekend it stated it needs further verification which can take 2 days, tried again today and i could not be verified, I deleted the account, re-registered and it's the same issue will take another 2 days to…
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After current Acc switch - having two current accounts on file...
Hi. I've switched current accounts - Barclays to Nat West. My credit scoring is excellent and I want to keep it that way, but I'll have two current accounts registered, and surely that's going to cause a negative affect? What do you suggest please? I need to keep the Barclays account open for a few months to make sure all…
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Linked address on Credit Report is connected to identity fraud - how remove?
Last Friday a credit card provider called to say my dormant card had been used and I was the subject of apparent identity fraud. They confirmed the account details would revert to mine, the account would close and I wasn’t liable. They suggested I register with a credit reference agency and review my credit report which I…
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Abbreviated name impacting credit score
Hi all, This is my first post on the forum as I haven't been able to find much guidance on this anywhere, so I'm hoping someone might be able to help or point me in the right direction. I recently had a look around for personal loans and credit cards. I've got a solid credit score, I never miss payments on mortgages, bills…
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Ex-husband used my details to get Vodafone contract, then defaulted
Hi everyone, I'm looking for some advice here. I'm trying to apply for a mortgage and recently ran my credit report. I discovered that my ex-husband used my details to open a Vodafone account (he did this whilst we were still married apparently) but then defaulted on the account after we separated. Vodafone registered the…
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Improve credit score with portify
Has anyone heard of Portify and is it say good for help improving your credit score?
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Pave / Portify = AVOID LIKE THE PLAGUE!
Avoid like the plague! The worst customer experience of my life. Simply put, I changed my bank card innocently. Pave had my old bank card number. So, unaware I missed a £4 pave subscription. They did not call me, they did not text me, they did not email me …. No contact. Before this I had a 999 perfect Experian credit…
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Any positive impact?
Hi just wondering out of interest. I completely understand credit "score" is irrelevant in reality however I am wondering what does actually have an impact on your file? I currently have a settled/closed loan that is due to drop off as 6 years old end of April which did impact after was settled originally, so will this…
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dro credit cards.
my DRO drops off in about 2 years. I would like to try start rebuilding credit if possible? is it? I took out a vanquis and capital one. is there any other bad lender cards to try please?
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Employment Checks: Financial Vetting
Hello, Thank you for your warm welcomes to the MSE forum/s. I’m here wishing to correct my mistakes and pass financial vetting for a future dream role/employer. I’ve been successful before in such checks some time ago, but the past three years or so have made me dread the process after revising the vetting policy in the…
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Credit utilization history
I have searched far and wide online and can’t seem to find the answer Long story short my credit utilisation (how close I have been to credit limits on credit cards) has always been on the higher side on individual cards, although not overly terrible in the grand scheme of my total usage compared to total credit available.…
