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Credit Payment Question
Context: I get a free credit check every 5th of a month, credit card payment is due on a 21st, I put £100 in there before then, which is fine but then I put an extra £800 after the 21st, would that get passed onto the next month? Or would I still need to make another payment on the next 21st? I know it's an odd and…
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Energy company and debt collector troubles
My niece has turned to me for advice and I’m really uncertain how best to advise her. She rents out a house and there was a 6 week gap between tenancies, the estate agent didn’t give her meter reads at the inventory checks and because it’s her first house she didn’t think to ask about it. Covid was also surfacing so after…
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Spread the cost of recent expenditure but maintain a good credit record
Hoping people more savvy than me can help with this. Recent developments in my personal life meant I spent more than I usually do. Much of which I have put on my current capital one credit card. Which I think has around 34.9% interest rate I got this card really as a way to improve my credit rating and for emergencies.…
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Bankruptcy removal.
Hi, My bankruptcy was filed against me on Dec 2015 so should be removed this Dec 2021, will that make much difference to my credit file score/report from Dec? Thanks.
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Change of name deed & credit reports
Once my change of name deed is complete and I start updating organisations. Do I need to do anything with the CRAs or do they just update once organisations continue to report to them?
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Retailer cancelled finance agreement, credit score impacted?
Hi I recently decided to purchase a watch online. The retailer (Beaverbrooks) offer 0% finance over 2 years with Hitachi finance, I made the purchase online and went through the finance application, the application was successful however I was unable to sign the finance agreement digitally (kept getting error message on…
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Electoral roll address format
Hi, I have been at my current address for 5 years and on the electoral roll for 4 years. My problem started when trying to use klarna who kept saying they couldn't verify my address. After trying every format I ended up raising a query with Experian as it wasn't right under the electoral roll section there to. They told me…
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Sold on debt
My partner has been doing well this year paying off a couple of loans. However one has been sold on. The detrimental affect has been that this debt is now classed as new debt. The consequences being other lenders are reducing monies available and pushing his spending ratio in negative direction. Why and what can he do…
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False claim I haven't paid a bill
Hello Everyone. I've been in a constant battle with E.On since I left them earlier in the year. They keep trying to send my final bill based on an estimated reading (even though I had a smart meter installed). I have called several times to explain; each time they said it would be rectified but wasn't. Again more letters /…
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Have you ever claimed chargeback/Section 75 and found it impacted your credit score?
Hi Forumites, In the last couple of years, have you claimed chargeback or Section 75 and then discovered that the claim affected your credit score? If so: * How much did it affect your credit score? * Was your chargeback/Section 75 claim successful? * Which card issuer or bank did you claim through? Thanks, MSE Laura F
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Perfect Experian score other agency’s not even good
On experien my credit score is 999Credit karma 548On clear score 505 I know there will be diffent but why’s my credit so good on experien on other 2 really bad In last 2 years only thing I can see is 3 miss payments in a row to natiwondie and 3 before that. I now have 0 debt They only thing on all 3 websites says to do to…
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Should I cancel a card with a reduced limit?
I have a few cards - due to flipping balance transfers and other reasons. I pay well and use most of them occasionally, paying the full balance instead of using my debit card. Probably as a consequence they all regularly rack up my limit - which I never get close to - except one. It's a Barclaycard I never use anymore as I…
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New Natwide Credit Card Dormant 6 months from opening.
never experienced Dormant entry before, forgot I haven't yet found reason to make a purchase on Natwide select card-No Intros etc'. Is there now limited time to make use of 3k limit, though think this is in mid to high20's apr range. thanks
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Yorkshire water bad credit
Hi, I am really hoping someone can help me here. I had an account open with Yorkshire water that unfortunately fell into default. The balance has now been paid and the default is due to drop off my file next year. But they have opened 3 different accounts in my name and have told me the balance for these 3 accounts were…
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Unfair Default and Notice of Correction
I currently have a Default which was registered in June 2018. I had a credit card with New Day Ltd. In 2016, I was on Disability Living Allowance, a lifetime awarddue to ill health and disabilities. I was invited to transfer over to the new Personal Independence Payment. I went through the process which proved very…
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CIFAS marker has been removed after appealing, when can I open a bank?
Situation: Someone sent me £25 to my starling account for a deposit for a mobile phone I was selling via market place. The account holder then said it wasn't her that had done it. Long story short, Starling bank put a cat6 marker on the CIFAS database. I didn't know I had this marker until my accounts got shut down and I…
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Clearscore First Registration ID Checks Inadequate
There is a closed discussion from 2016 on this but I though it was worth raising again as it happened to me recently and I assume has been ongoing since the original post. For those unaware, Clearscore promote free access to your credit score in the hope that you will register, use a referral for a loan or other financial…
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MSE's Credit Club registration
From a privacy point of view, I assume signing up for MSE's Credit Club with the same email used to sign up to MSE forums aren't in any way linked to your forum profile?
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Argos Card Credit Question
Hi, I recently bought something big with my Argos card (2k roughly) it's interest free payments for the next 6 months, of course I plan to pay this off but my question is that if I decide not to pay for a couple of months, despite it being interest free would that affect my credit score? I was thinking of paying it all off…
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Credit Score/default removal
After paying off my dates last year the next thing i've been waiting for is for defaults to be removed which happened this week. Realistically when can i expect my credit score to improve so i can get better financial products?