-
Electrol roll if indefinite leave to remain?
Can someone get on the Electrol roll if indefinite leave to remain? not uk passport but right to work in the uk? if they want to improve their credit score?
-
Is it worth linking Bank Account to Credit File
I keep wondering is it worth linking my bank account to my credit file. No concerns with my credit file but do wonder if linking bank account might give some different offers on credit cards or loans. Only got the one bank account and I don’t use my overdraft.
-
Bad Credit Rating - but cash rich!
Hello all, Hoping someone can help. I currently have a poor credit rating having entered into an arrangement with credit card providers just over a year through StepChange Debt Charity. My circumstances have, however, changed massively in the last couple of months in that I have inherited a significant sum of money. I will…
-
Why does Experian show a late payment missed two months ago for an account that settled in 2017?
I see this when I log into my Experian account and then click on Score History, and then on Negative Influencers and then Late Payments. The other late payment 5 months ago is accurate, but the other one is a current account where I went into overdraft and had to pay monthly interest. That account was paid off and closed…
-
Should all credit agencies ideally hold the same information?
Morning so i was examining my experian report today because this was the only one i have ever used and discovered that not all the debt information held about me was correct, so i thought ill just join up with clear score and found that other pieces were correct and again other pieces were missing ive tried joining up…
-
CIFAS False Identity Marker
Hi all Asking on behalf of a relative, whilst I thought I knew my way around personal finance, CIFAS is pretty much unknown to me. My relative was a victim of identity fraud. During that time, applications for car insurance were made in his name, not sure if these were successful or if that is relevant here. They now want…
-
AIP with Halifax even though account was closed in the past?
Hello… I have a bit of a weird question hoping someone can answer How reliable is a DIP/MIP/AIP from Halifax. Basically me and my girlfriend were recently given a Agreement in Principle after our broker applied for us through Halifax. They agreed and said they would just need payslips from us. My girlfriend has a default…
-
In hospital - remove default?
Hi, Newbie here! I was taken into hospital for 6 weeks in November through to Christmas, then was on bed-rest for a while due to effectively, a heart attack. I was unaware of being chased but didn't realize the bills weren't going out as they weren't DDs. One lender has closed my account but is recalling it so I can pay it…
-
CC Balance Transfer Has lead to same debt showing up twice on Credit Report
I have two Virgin Money credit cards. The low interest deal was running out on one so I got a Santander CC to transfer the balance to. Stupidly when doing the transfer, I input the card number of the wrong Virgin Money card. I noticed straight away and within minutes I had called Santander to stop the transfer and it…
-
CCJ recieved but already paid the outstanding claim
Hi I have now received a CCJ The claimant did a online civil money claim against me which I paid immediately (2 days after I received it) so I had 2 days of interstate on top which was 2p. The claimant is refusing to acknowledge my payment and Ignoring all my emails I just need him to confirm with the courts I have paid…
-
Multiple credit checks for SIM deals
Currently, I pay monthly for 5 SIM cards which I arranged for my family. I would like to switch all the cards to a new provider with me continuing to remain the account holder. I understand that I may have to have 5 separate contracts and be hard-credit-checked for each? I think this is perverse and an abuse of the…
-
Equifax Account Verification
Today I tried to create an Equifax account, but at the last step, it came up with a message saying that they needed to verify my identity. It then gave a number to ring. When I rang the number, I was told I would need to send copies of personal ID which I am not keen to do. Is this usual? What reasons could they have for…
-
Very Me-Contact email
I bought something from Very Me a few days ago. It said on their website if I took out a credit agreement with them and used the code 'Welcome' I'd get 20% off. This wasn't true so I paid for the item using other means. I emailed them at help@very.co.uk to ask them to cancel the credit agreement but it bounced back. I…
-
Wrong Information on Credit File
I’m sure this has been done to death but checking my file today noticed 2 out of 5 credit card accounts were wrong. The 3 correct accounts are all zero balances and haven’t been used for months if not years so they should be correct. The M&S card which is used for food and cleared monthly is lagging behind, not alarmingly…
-
Octopus Energy - Credit File
Hi all, I was transferred to Octopus Enery when Avro ceased trading last year. I have since had a notification from Credit Karma that my score had declined. I logged in to find out why and it is because Octopus Energy have set up a new account and are reporting payment history etc as though it is a credit account. I have…
-
Experian (Credit Club) plummeted relative to others?!
Hi. I've been regularly tracking my scores in three CRAs for a while - Clearscore (Equifax), Credit Karma (Transunion) and MSE Credit club (Experian). I understand that actual scores are like the bars on your wifi icon, ie meaningless, but I would think watching them move one way or the other gives an idea of direction of…
-
Corrections on Credit File
I received an 'update' from Clearscore asserting an update to my electoral roll address. This update was entirely wrong so I set about trying to correct it as I was about to apply for a new card soon. I obtained confirmation from the Council Electoral Office in e mail and so opened a case with Equifax from whom Clearscore…
-
Rating dropped, about to apply for mortgage
Hi, My partner and I have been looking to purchase a house for over a year and finally found one, we have put a reserve down and going though the motions. I was about to apply for a mortgage through a lender this week, when I found out my credit score has dropped two ratings, I had a near perfect score with Experian and…
-
BW Legal have sent me a letter
Hi people, I'm a newbie here so apologies if I'm posting to the wrong place. Basically I'm trying to improve my credit score and wondering why it won't seem to budge from 'very poor' despite making sure I'm doing all the things suggested to increase your score over this past year. .. then hang on a minute! what's this…
-
Default date question
Back in 2015 I took out a Halifax loan..however in Jan 2016 I set up a DMP with Stepchange to pay off everything (now done and dusted).. however at the start of the DMP Halifax kept putting me on payment plans every few months rather than defaulting me..I was just checking on my Transunion data in the last few days and it…
