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Can I safely lower my energy Direct Debit?
I'm not sure if this is a daft question or not but I have a DD with Octopus and usually end up being in credit. However, I have a few months of cashflow issues. If I lower the amount and end up being £100–£200 in debit in 3–4 months time will it affect my credit rating? Will Octopus do anything such as increase the DD?
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Incorrect default on credit report affecting mortgage application - advice needed
Hi, My wife and I are in the process of buying a house, but have hit a problem in that our mortgage application has been rejected. Our broker has flagged that this is due to defaults which have been put on my wife's credit report by E.On. These are incorrect as neither of us have ever been customers with E.On - our…
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Indentity fraud. What can I do
I have no loans or debt on credit cards. I had email to check if credits score had changed I was disturbed to find something about missed payment I looked into it and it said 2 missed payments for car insurance to First central management ltd. It says I have balance of £48. Balance in Jan was £340. I took car insurance out…
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Mothers name on my Equifax (via CheckMyFile) credit report but not sure why
So I just signed up for Check My File, and it shows info from 3 different agencies. Equifax has my mother down as my financial associate. When I expand the info it says it was "created by Tesco bank". My parents used to have Tesco bank but many years ago, I myself have never had a Tesco bank. My dad has since passed away,…
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What happens when someone with good credit meets someone with bad credit!
And then they get a joint account together?! I have extremely good credit rating, no issues getting credit, no current debts. No missed payments. No defaults. No ccjs. I have a mortgage. All good. My partner moves in next week after 7 years together. He has 2 defaults and a ccj. 1x Ccj from 2021, 2x defaults from 2019, I…
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Asda Credit Card Under Review
Hi, my Asda Credit Card has been under review since the 27th January 2025. The day it had happened I had only purchased a Sainsbury’s meal deal. I have always consistently paid my card off in full every month without fail. Never let it build up interest. On the day my card went into review, I had no idea until later that…
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Can a creditor arbitrarily reported a default on a DMP?
Apologies if this is the wrong place to ask. For the last 2 years I have been repaying an old debt back with a utility provider. Everything was all fine until recently when they reported a default. This heavily impacted by file, my score dropped like a rock and my credit cards reduced their limits. The following month my…
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Advice on Settling Old Debts That No Longer Appear on Credit File
Hello everyone, I’d appreciate anyone's guidance on settling old defaulted debts and their potential credit impact. Background: – In 2018, I defaulted on accounts with Capital One, Halifax, and HSBC. – These defaults have now dropped off my credit reports (Experian, Credit Karma, Clear Score), and my file reflects a…
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Credit File Dispute
I disputed a bill with an Evergy company in 2023. The couldn’t provide evidence of where the £498 was from but it was due to the systems migration. This has gone back and forth until February 2025 when they said it was still outstanding and needed to be paid as the complaints process found it had provided evidence. I am…
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Lantern Debt Collectors/Moriarty Law
For the past year I have been harassed by the above companies for a debt that I do not owe. They claim I took out a credit agreement with J D Williams and purchased 2 items. I have never had any dealings with JD Williams. They have used my name and a previous address which I haven’t lived at for the last four years. They…
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Jc International
Hi, im currently having an issue with this company. I've recently had an agreement in principal declined, upon checking why I found that Jc International placed a default on my account in Feb 2023. I've had some contact with them but it's gone quiet for the last three weeks. I have raised a dispute with Trans Union over…
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Credit club login issue
Just received the monthly prompt to look at my credit score. Try to log in and get told that my username and password don't match. I reset the password. I then use those credentials to log in and I'm prompted to fill in my personal details and address history, which should already be on file. After it's transferred to…
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Can lenders put a default back on my account
I went through an IVA in 2019 I have been clearing up my credit file as my mortgage broker advised that defaults should be registered for when the IVA was approved. All lenders agreed to this and for approximately 5 days my credit file was free from defaults. However one lender has updated this and changed the default to…
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Moved: IVA advice
This discussion has been moved.
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Moved: Paying off IVA
This discussion has been moved.
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Scam - How to put protective mark on credit file ?
This seemed the best board to use - and I couldn't find the information I need using the search function - certainly it didn't produce any recent post. I have been targeted in a scam and realise I should do what I can to protect my finances. How do I do that? That is, other than manually checking my credit files (which I…
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Advice needed re: closed bank account and CIFAS
Around 2 months ago, my bank froze my account and wouldn't tell me anything (so obviously regarded it as suspicious). This lasted a couple of weeks, after which time my account was reinstated. I then had around a week where I could use my account normally - during this time I did not make any unusual transactions or…
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Mortgage Contribution and Credit File
Hi Our house is in my partner's name only because it meant we could secure a much better deal. Since I pay half of it is there a way to get this contribution positively reflected in my credit file despite not being a named party? I've used Credit Ladder previously in a rental situation. Thanks in advance RTO
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Credit Ladder Exit?
Hi all, I've searched but not found anything to put my mind to ease. I've been In a social housing rented home since 2016 and on credit ladder since early 2017. About a year ago today I was made redundant and have been self employed since, since then I have wondered is it possible to exit using credit ladder without it…
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Experian - British Gas - D on file?
Firstly, I got my statutory report and there are 7 ' D' markings on the file, but they didnt send a key so I can only assume this means 'default'. The period it is for is Oct 23 - May 24 and Oct 23 is when BG changed to a new system. I know this because the same period on my Equifax report says 'no info' for the same 7…
