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I have the same name as my father, his CCJ has just turned up on my credit report.
my father has paid his fine, but the CCJ has appeared on my credit report. (we also have the same address) I cannot now get a mortgage with my fiancé. Some credit report organisations have removed the CCJ from my file, but Equifax refuse to do so even with a letter from my father. Equifax have suggested I talk to the court…
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CCJ incorrectly put on file after payment plan offer accepted
Hello Please kindly need your advice on this My ltd Coy is owing £300 and this was passed to a debt collection agency . I received a letter in Jan chasing this and was told to contact them before Jan 26th to make the payment. I kept calling and calling and left a voicemail which they said we could and I would get a call…
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1 to 2 months of defaulting on everything?? Damage limitation
Hello all, I have been unwell and not been able to continue running my business. I doubt I'll ever be able to go back to it. Consequently I've had no income for a while and last month I couldn't pay any loans or CC payments. Possibly this month will be the same but hopefully not. My company is going into liquidation. I am…
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I made a mistake on my application
I have just registered for the Credit Club/Experian. It's showing my bank balance as nil! When putting in bank account details I think I put the wrong accounts/credit cards as I didn't understand some of what they were asking and I can't see how to go back and change the information. Can anyone help please?
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Experian report link on Credit Club
Is anyone aware of a problem with the link between Experian and the Credit Club website? I tried to access my report via Credit Club and received the following error message:Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again later. I have 'tried again later'. A lot! Any…
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Mortgage and DMP's
I am currently on a DMP with Stepchange for two credit card debts. I don't have any CCJ's and the debts defaulted in March 2017. My understanding is that these defaults will come off my credit file in March 2023 however my DMP will not be paid off until 2024. I am looking to get a mortgage in three years time and want to…
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Car finance - Northridge vs Toyota TFS
Hi! Just wondering if anyone has any stories of experiences getting PCP approval via either of the above? I’ve been accepted in faith (anyone know if this final acceptance or some in between stage needing more info from me?) by TFS £28,995/48months/£0 deposit but have also applied to Northridge on same terms as their…
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Should this still be on my file ?
Hello everybody and thanks for allowing me to join. Soo back in 2014 i purchased a car via a guaranteed finance company. The car was fine for a few months but then developed major faults. At first the finance company ssid they would pay for repair via the garage that sold it to me. When i was told the car was fixed they…
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Cancelled mobile phone contract - Impact on Credit File
Good afternoon, I'm hoping to get some advice please. Back in November I applied for a new mobile contract with mobiles.co.uk/Vodafone. The box arrived damaged so I returned it. I also decided that I wanted to take my time and try and find a different deal. The box was never opened and nothing ever activated. I received…
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One Parking Solutions Progresses to CCJ and Impacts Credit
Hello Everyone, After being really silly and taking advice from friends. I ignored a car parking fine which later materialized into a CCJ against. There had been a lot of issues with a particual parking company and in summary, the said parking company lost its contract at a car park. It even made the media. At this time,…
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Default put on credit file for 5 years that shouldn't have been on there
Hi all I received a letter from the Halifax yesterday saying that a default they put on my credit file in 2017 due to a missed payment was done so in error, and the payment in question was not missed by myself. They apologised and stated the default would be removed from my credit file but I have logged a complaint as I…
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New finance denied, questions
We applied for finance with Toyota for a new car, bear in mind we already have finance with them and have over the last five years renewing for another 5 years a year ago and my credit rating haven't changed over the last 2 years, they declined us, after pressing them on why they sent an email (attached) obviously we know…
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Credit score websites - Reports are all different and don't match
Hi, I am currently with Credit Karma with a score of 534 (due to a debt relief order that ended September 2021) but have noticed that the same information such as bank accounts, a new credit card that I took out on 1st March with Aqua and 2 bank accounts have not been added to other sites such as Experian and ClearScore so…
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Score advice
There is a default on my file from May 2018. It looks like my payment info on cards only goes back 4 years. Will the default drop off in June? Or at least score go up as it’s going to be more than 4 years old? I now have just under £3k on 0% and am overpaying. But was previously paying hideous interest on £50k+. Any…
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ID Theft, Current Account opened & Loans applied for
Someone managed to open a Current Account and get quotes for loans in my name. Something like 20 applications for loans. I found out because the bank e-mailed me saying the e-mail used wasn't the one they had on file (I am a former customer) and then prompted me to check credit agency files. I imagine that the loan…
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Should I apply for more credit to reduce my utilisation?
Hi all My credit usage is high and CRAs say I need to reduce it to improve my credit score. so if I applied for a 0% balance transfer card, would this work? So I would increase the amount of credit available to me and hence reduce my usage then make payments on the interest free balance or is still to simplistic approach?…
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Sky hard credit search - without permission
I was looking on the sky website thinking about purchasing a tablet from them, I took to check out to see how much the final cost would be. It prompted me to sign for a credit agreement and permission to perform a hard credit search - thinking about this I declined it. However a hard credit search has now appeared on my…
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Cifas marker has been removed but when will it removed from cifas database
Hi I have a separate question, My CIFAS marker placed on me has been removed by my bank 5 days ago I done a DSAR check the next day, I got the results a couple days later, and it came back as that I still have the marker on my file, should I wait a month or more so the records can update could someone explain me what to do…
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Credit Club update error
Anyone else experienced their Credit Club report not being updated?
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Fraudulent Loan on Credit File
In 2017 somebody took out 4 Pay Day Loans in my name, along with a bank account with an overdraft - with which they just withdrew all the cash from the overdraft. I discovered these accounts in February 2018 when the debt collection companies contacted me at my new address. Since then I have reported all the loans as…
