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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…
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Surprise Default notice on credit report. Need to apply for a mortgage
Looking for a spot of help / hope. Applying for a mortgage with my wife. My file is all healthy we thought my wifes was but discovered 4 years of default for plusnet mobile. We have never taken out a plusnet mobile , it looks like it was never paid . Plusnet does have my wife's name + email on file but took them a long…
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How does a 17 year old do a credit report check
Hi I am 17 years old and want to do a credit report check every website I go on says u have to be 18 plus to check I want to check because I just got my CIFAS marker removed it was a missuse of facility one and I need to check my credit report if it is on there thanks
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Mixed Credit File
My credit file has been mixed with that of another person. This person has a similar surname to mine (but is not the same) and lives in a different part of the country. I first noticed the problem about 10 years ago, raised disputes with Equifax/ Experian who would contact the companies who held the record but they…
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I was told my Cifas marker was removed but it’s not
Hi I was told by Starling Bank that the cifas marker they put on me was removed but after I got the DSAR from cifas it is still on record I don’t understand can someone please help
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Electoral Roll information missing on one credit report
Hello everyone, wondering if someone could advise on this. I've just checked my credit reports with Experian, Equifax and Transunion, just to check everything's in order (hoping to get on the housing ladder in the next couple of years). My CreditKarma/Transunion report is 'good', but it says that I'm not on the electoral…
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Electoral roll quandary when in between homes
We are in the process of selling our home and buying another property but there will be a period of approx 6 months between selling the current home and completing on the second. In the interim, we plan to live in a static caravan on private land. My question is with regards to our listing on the electoral roll for this…
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£20 Default from 2018 - how much will this affect my future credit (mortgages)
I have recently accessed my Experian credit report because I'm considering moving house and will thus need my credit to be in good shape to get a mortgage. I was surprised to find a default of £20 to Ovo energy from 2018. As far as I was aware I ceased being their customer in in Dec 2017 and didn't know of anything left…
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I have no missed payment markers since Feb 2020, but loads before that date, how much will this...?
...affect my ability to be seen as credible in the eyes of lenders/landlords/those who check credit reports etc.? I was extremely irresponsible with money up until that time and I decided to take my finances seriously and I have no missed payment markers since. Still, the missed payments prior to this still shows on my…
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Anyone else have a Credit Karma issue?
Received an update on the weekend, checked the report and credit info was completely missing, other info was out of date etc. It's as if their api wasn't working anymore. Just checking if anyone else noticed anything similar. If not I will have to complain with TransUnion and that's always an ordeal.
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CCJ Consent Order Costs
Hi guys I wonder if anyone can answer a question I have regarding CCJ fees. I found out a CCJ had been entered against me by a collection agency after collecting mail at an old address. I don't dispute the debt and agreed a repayment plan with Stepchange. I'm paying £5 per month, am currently on Jobseekers' Allowance. I…
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Can't understand why my credit score has nose dived
I get that credit scores fluctuate, and I also know that opening new accounts can have an adverse affect. What I can't quite understand is why my score has nose dived by so much. Looking at my "Credit Karma" account, my score has gone from "Excellent" to "Fair" (loosing 60 points) since December 2021. I have opened some…
