Credit file & ratings

First of I would love to say after 7 days of pure hell it’s so refreshing to see sanctuary’s like this and see a real community spirit of people advising and helping each bravo!!! so the story is Iam a business owner and we took a cash advance loan through our credit card terminal, I.E the loan company charges x on top of…

I needed to prove my identity for HMRC and I had to chose 2 out of 3 options from my credit file, my passport and Northern Ireland driving licence. Clearly this is Hobson's Choice as I do not live in Northern Ireland. The credit report questions included ones on when I took out a loan and a mobile phone contract. However,…

Is there any guidance or rules around companies reporting a late payment to the Credit Agencies? Can they do it when you are more than one day late, for example?I’m only asking because I read on Equifax website that companies shouldn’t really be sharing the info unless you are more than 30 days late. Thanks

I recently had a CCJ put against my name by northumbrian water, i moved out of a property in june 2019 back to my parents house and cancelled my accout with NW. I had went through a name change so when i cancelled the account it was in my old name, since i left NW created a new account in my new name with out my consent…

Just a quick question folks, i was wondering if it matters or not whether my mortgage information is shared to any of the credit agencies or not? We have had our first mortgage for 6 months now and usually you would expect credit info to appear after 3 months or so but nothing so far. I'm not panicking as i don't intend to…

Hi all Il.be going to Bulgaria soon and k have the Barclaycard rewards card which will be my main one and also the clairty which I will use as back up. So I will be trying to use the credit card for purchases much as I can but I think I may need to withdraw cash from the machines. If I so a couple transactions will it be…

Hi, my husband has had a couple of letters from an EOS Solutions. Initially we ignored them as thought they were a scam. However the most recent one says they may refer to their legal partners. The 'debt' is £1,666 so no small amount. Husband doesn't recall this but in any event we have been together ten years so would…

I recently applied for a capital one balance transfer card. I was approved with a 6000 credit limit and all was ok. Got an alert today from credit karma and checked and they’ve now declined and added a “victim of impersonation” marker. I’ve phoned them, confirmed to them who I am, my details, any credit I have thats on my…

Advice please. Someone has bought something from me with cash. I didn't check the amount paid because this person has told me he is a Judge. My fault, should never trust anyone. Before he left he used the bathroom and caused damage to the door, i wasn't so bothered, easy fix. Guy was disgruntled because he tried ro barter…

Hi all. Does anyone know whether there is a period of time post default/arrears on the credit record where the impact becomes better? I know it takes 5/6 years to come off the record, but does the negative impact reduce at all if even 6 or 12 months have passed? Just trying to time when to submit a new application.

ClearScore recently notified me they'd be viewing credit card withdrawals negatively on credit reports. I can understand this in principle - you generally shouldn't borrow cash from a credit card. However, credit cards like Halifax Clarity provide near-perfect exchange rates and fee-free cash withdrawals globally. It's…

Hi All, Long story short, I had money troubles growing up (18-22) and got myself in debt and CIFAS Cat 6 marker. Thankfully I have changed my life and finances. Myself and my partner are looking at moving out in the next few months and I wanted to look at our options. In an ideal world we will buy a house but I feel that…

I banked with Halifax for many years and, during that time, my credit score (yeah I know - as provided by Experian etc but let's forget about that for now) was always healthy and, on the odd occasion I needed a new credit card, there were a plethora of options open to me. I have no debt whatsoever, never have. A couple of…

I have discovered my accountant's email has been hacked. The hackers got my email address and sent a phishing email but I don't know what else they got. I have updated my passwords but is it worth getting CIFAS protective registration?

Hello, Should the balance show against your list of Current Accounts? Mine has always listed them as £0 which is not correct. Any help appreciated! Thanks

Hello allWondering if anyone else been in this situation, so my credit report is currently marked as excellent which I know has no impact on mortgage lender checks.I had my mortgage offer approved but am around 3-4 weeks away from exchange and completion.However I had forgot I had direct debit cancelled and so had late…

Hi all, I've posted a more detailed thread over at the Debt free board but wanted to enquire about a specific issues I'm worried about here. My partner has an unpaid debt from '09 for around £5k, CCJ registered in '15 and now off the public register. We've been trying to pay this off after recently after coming into money…

I've finally been able to pay off all my credit card and loan debts and am now looking for a larger mortgage. I have 31k worth of available credit spread across 5 credit cards so would it be best to leave these as they are, reduce some of the available credit (lower limit) or close some of the card accounts. The loan…

Hi I am posting here hopefully in the correct section (moderator feel free to move if I've got wrong) regarding a company - Moneyhub, who carries out a check on your bank account to verify that you are in receipt of a qualifying Government benefit to get a discounted mobile phone deal with Voxi/Vodafone. I've tried to find…

Hi. im currently in the process of getting a mortgage, as far as i understand it, when the valuation is done in 2 weeks time, they will perform another hard search on my credit file this debt collector search appears today! I called up the debt collector to find out why, and all they could say is that I would be receiving…