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Should I apply for Certificate of satisfaction OR cancellation? Or both?
I had a Judgement made against me on 01/03/22 and paid the Claimant on 03/03/22. I want this judgement completely removed from the Registrar of County Court Judgements and so am going to file an N443 form. This form allows both a certificate of satisfaction and cancellation to be applied for, however, I am not sure if I…
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Different Credit Score on 3 sites
Hi This may be a stupid question, I am looking to get on the housing ladder later this year, maybe next year so I signed up to check my credit score. On Clear Score its over 850 On Equifax its 758 On Experian its 560 Why is it so different for the 3? Im so confused. Any help would be great, Thank you
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Credit karma and electoral roll.
I moved home a year ago and registered with the ER. The other CRAs picked it up no problem, but Credit Karma have kept saying I am not on the ER. I decided today to do something about it. I can't foresee any need for credit, but thought I would try to fix it anyway. The dispute process for Credit Karma sent me to…
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6 years past but someone else put Dro on file?
It’s now been over 6 years and the DRO has dropped off bit there is another mention in November 2016 which was several months after the date of the DRO i think this is affecting the credit file
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Moved: Ccj parking fine
This discussion has been moved.
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Eon and credit report
Hi I'm new to this and I would be really grateful for some advice . I moved out of a rented flat (housing association) end june 2021, paid off my eon bill and had email confirmation of closure and subsequently showing as closed on all my credit reports . I have now just received a debt collectors letter for £40 for a 4 day…
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TransUnion Score dropping, Experian/Equifax aren't.
Hi all, really hoping I'm not duplicating past threads, can't see one relating to my question. My question is around how the credit reference agencies and their scores work. I have 1,000 out of 1,000 with Equifax, 999 out of 999 with Experian, but with TransUnion I am 652 out of 710 it its just dropped again today by 9…
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How can I get a mishandled utility bill default removed from my Experian credit file?
Hello, I've just applied for a mortgage and, to my surprise, been declined on the basis of a bad Experian credit file! Some digging led me to the source of the problem, which, to my surprise is a defaulted account for water bills at an old address, with a balance of about £300. Obviously I'll struggle to get a mortgage…
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Should I Keep My Marbles Card?
I have a Marbles card from years ago when I was rebuilding my credit score. My score is now fab. Marbles just increased my credit limit to £2600. Even though my score is great and the credit limit isn't really low, I'm still a little concerned that lenders might percieve my Marbles card adversely as it's a known credit…
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Defaults & No Data
Good afternoon, was wondering if anyone could offer some insight. I have some defaults on my credit reports, the default dates & balances are showing (some incorrect) but they are marked with No Data every month. I pay via Stepchange DMP. Is it correct/normal to be marked with No Data if defaulted? Would my monthly…
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Hard credit search Without permission
Hi, I'm currently going through with a Remortgage and I've just noticed Mercedes have carried out a Hard search on my credit file without consent. Last month I put down a refundable deposit on a car at a Mercedes Main dealer and no way was I told a credit search will be undertaken. What do you think I should do?
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Experian follows TransUnion's move to include buy now, pay later data in customer credit files
Experian will become the second credit reference agency (CRA) after TransUnion to include buy now, pay later (BNPL) data in customer credit files, MoneySavingExpert.com can reveal. Below we explain how the move may affect your credit file and score. Read the full story here: 'Experian follows TransUnion's move to include…
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Clearscore advise to take out Credit Card - Genuine?
My wife currently doesn't have a credit card and generally speaking her credit history is now all positive. She did have a (settled) default which has just dropped off her report after the usual 6 years, that combined with the fact we've just bought a house and she's now on the mortgage (previous property "we" owned was in…
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Multiple soft searches
Hey all just had an alert from experian about 5 soft searches (4 quotations and 1 identification generic check), upon looking at the other credit checkers there was possibly another 2 completed. these were not instigated by me and appear to have been done across several platforms by the API names. i'm concerned i've been…
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Lender has put a marker on my credit file as missed payment? Even though I paid.
My mother fell ill later on in December and was admitted into life support on which we were told she would not survive so to be on call for whenever she would pass. So my boss could only give me certain shifts because he wanted someone who could be relied upon. This meant I had reduced income so I phoned the companies I…
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Default Notice update query
Hi, I had a BT broadband contract back in 2015. For 6 months I had virtually no connection & an usable telephone. BT refused to acknowledge the fault, didn't fix anything but expected me to still pay. So when I cancelled the contract they put me in default saying I needed to pay the remaining contract off despite them…
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Pay day loans
I have an offer in principal for a mortgage but would a £300 payday loan show up on my credit file thus affecting my mortgage application
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Sky A/C registered at my address
Hello, today a letter from sky came to my address in a name of someone who has not lived here, I opened the letter & called sky as an individual has a sky A/C registered at my address. I advised the The call taker that I would like a record that the above is the case as I was concerned about it, he advised he could not do…
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Disputing an Error on Credit File
Hi, I have recently been starting to look at my credit report and have noticed an error. I took our a payday loan with Instant Cash Loans Ltd t/as The Money Shop. I made all payments on time each month as per the agreement. As some may, or may not know, the company went into liquidation and at the time I had only one…
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Linked Addresses in MSE's Credit Club's report
Hi, in January I created the account on MSE's Credit Club to check my credit report. In my first report i had no "Linked addresses". Then I edited my addresses in profile settings and now in my new credit report which was published in February I can see all of these addresses in "Linked addresses" section. Does it work…
