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CCJ help
HiI am in the process of sorting out various issues on my credit file and have cleared significant amounts over the last 2 years. I have three different CCJs on my file from 2017, 2018 and 2019. I've moved houses since the CCJs and never been chased or traced to where I've lived the last three years. Should I try and…
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Mortgage with part settle defaulted account
Hi, I have a default with Natwest. It is old enough not to show on credit report, and being paid off under a DMP I have had an offer to part settle it. If I part settle it, and then try to get a Mortgage with the same bank. Surely they would know this, and a part settlement go against an application? Thanks
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Default removal
Hi I’m new to forum but basically just wanted some advice. I had arrears with Barclay card and rang to clear the outstanding arrears but this was after the deadline. I was told by the adviser that it would be ok he could go in and make sure the default didn’t get placed. Unfortunately it did and to be honest at the time I…
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Does a credit report show what I actually spent the credited money on?
I've been doing matched betting for a while, which requires gambling transactions to be made, I made these gambling transactions using my overdraft. An experian article says "While your credit report features plenty of financial information, it only includes financial information that's related to debt." When a mortgage…
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Advice on utility bill on credit report needed
I received a water bill and because I'm on a meter there was possibility there was leak at the property so when I received the bill I called them and they said they would send someone out to investigate if there was a leak and would put aside the outstanding bill for 28 days to allow investigation of possible leak. I have…
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Credit association
Hello all, I'm brand new to posting but I have followed the forums for a long time. I'm just after some advice. My ex partner still resides in a house where we are both on a joint mortgage. We have been separated for a number of years. Things are very amicable. We were unfortunately part of the together mortgage from NR.…
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Accounts Removed
Hi, Iv recently moved house and updated my new address with my current accounts and credit cards however ClearScore sent me a message today letting me know that both my current accounts have been removed as well as my credit cards. Will they re-appear next month again or do I need to do something? Thank you for any advice…
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Possible Unsuccessful Bank Account Application - Affect on Credit Score
Hi there! I'm thinking of applying for 1st Direct account, but am worried that my application may be rejected on the basis that I'm currently not working, and that rejection will affect my credit score. I have a credit rating score of around 750 (Experian.) I had a DMP with Step Change, but am now debt free 😁 I don't have…
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HMRC refuses to pay back vat to Viva Wallet account
Hi. My company is due back vat 1k but HMRC cannot make the transfer to Viva wallet as Viva wallet does not facilitate backs payments. They only facilitate chaps and fast track. Crazy to find out that I will loose 1k. Viva wallet does not accept cash cheques either. The only solution I can think of is to hire an accountant…
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In default on my credit report
So for the last 3 years I’ve been going around in circles with EE as they’ve put a default on my credit report, now I’ve never had a contract with EE infact I’ve never had a contract phone and have always had pay as you go with a different company, in 2018 I moved house and because there was a fault with BT which meant we…
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Problem obtaining credit
Hello. I have never had an issue with obtaining credit but was recently turned down for a credit card (it was just an eligibility checker as opposed to a full check I believe) and also a mobile phone. Which of the below is likely to be causing me an issue? Or will it be a combination? * Moving house twice with a 12 month…
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CREDIT HISTORY
Hi, Does anyone here know - if I purchase a used car on PCP and then pay the whole outstanding amount in the next or following payment due, would that affect my credit history? Not sure of the actual process - do I have to pay a deposit in the first instance and then followed by my full payment? Will appreciate a response…
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Credit rating/mortgage
I’m looking to buy my first home I currently have my savings in a isa but am thinking about opening a chase account to benefit from the interest rate on my savings but will opening a new account with a different bank effect my credit rating and therefore have a negative impact on getting a mortgage?
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Natwest closed account and put marker on name with no fault of account holder
My friend, a single mum of two was notified by NWest bank that her account is beeing freezed. She begged them to explain why they closed the account. The brief reply was that someone from India tried to deposit large deposit on her account. She tried to open a different account with variety of banks. The answer from all is…
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CIFAS DSAR - Please assist
I received my CIFAS DSAR today and the report states- Metro Bank PLC undertook a search on 18 May 2022 using your details - please contact Metro Bank PLC for further information. Is this an adverse information? Do I need to contact the company to challenge and remove the entry?
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Paying a CCJ but still getting late payment markers?
I have a CCJ for an old water bill, I have set up an arrangement and it has always been paid on time, i have just seen on my file that I have 2 years of late payment markers, every month, I thought as it is an arrangement then it would appear as such, and not be late every month, any advice please?
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Will closing an unused bank account improve my score?
Hi all, I have noticed on my Credit Karma report it says the fact I have opened 3 new accounts (2 Bank accounts, 1 Credit card) in the past 6 months is having a high impact on my credit score although there are no hard credit searches on this report for any of the accounts, which I find strange. My question is if I close…
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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…
