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Defaults and how they appear on credit file when sold.
Evening I have a credit card that went into default. I was aware of the default for over a year and kept ringing up to pay it without knowing. When I was aware I set up a payment plan with the company. The agent was very blazey and said pay what you like there is no interest. So I start to pay of £50 a month. A few months…
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default listed multiple times on credit file
hi , back in 2018 i went through a bad breakup and it left me in a bad financial situation that resulted in me defaulting on a credit card i had at the time . since then i have been working hard to get it sorted and have been paying it off but the debt has been passed from one company to another. each time this has…
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What to do - Mortgage in a few years
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Scottish power ruining credit score - not our debt
My partners ex passed away while they were still together. The Scottish power account was in her name, it was her house and is now owned by her children. He's now being billed for a period of time where he didn't live in the property, and the account was never in his name. Now years later we are trying to get a mortgage,…
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Good Credit Score but high APR offers
I'm new to the site and apologies if this has been asked before: I use two websites to keep track of my credit score, which both show as pretty healthy (879/100 and 867/1000) yet when looking to do a balance transfer on a credit card I get credit building cards offered or high APR on approved lenders. I also had an issue…
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Pre-Employment check
Hi all, I have been conditionally accepted for a customer service role for an insurance company. As part of the vetting process they require a credit check. The company doing the check states they only check for IVAs, bankruptcy, debt relief orders or CCJs on my credit file. I have never had any of these but have had a lot…
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Account disputed - last payment October 2019
I have an account that I haven't paid into since October 2019, the account says 'disputed' how do I get them to default me?
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What does "M" mean on my credit report next to Payment Code?
Anyone knows what this means? With a couple of credit lenders they appear to alternate between "N/A" and "M". Thanks
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DRO debts incorrectly marked on credit reference sites after completion.
After completion of a debt relief order in July of 2021. Several of the companies covered by it, refuse to notify the credit reference agencies (or just ignore any contact I attempt) that the debts listed in the dro have been satisfied/partially satisfied and so they remain on my file as open debts. Raising a dispute with…
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No credit history, got Aqua card, not sure of next steps
I mean literally no credit history... Experian couldn't even find me, and this was apparently the reason HSBC rejected me for a credit card about 2 years ago. After that I got an Aqua card, and I've been consistently spending a small amount and paying it off. I can see this in reports from both Equifax and Experian - under…
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18 year old struggling with credit
My 18 year old daughter is trying to get a credit card to smooth out the bumps after Christmas and cannot get any credit for love nor money!! Please help - any suggestions? We have tried: Credit cards with existing banks Overdraft with existing bank Vanquis Capital One
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Slight panic prior to mortgage - help!
Hi all, Hope you're all well and thanks in advance for any advice. At present, I have one 'for emergencies' credit card, and one 0% transfer one that I can no longer transfer to (received in July 2021). I wonder if you could help me, please - my partner and I are looking to buy a house later this year. Following an…
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Credit score Experian/Equifax (clear score) disparity
Hi, over the last few years I have been working very hard to repair my poor credit rating so I can confidently apply for a mortgage. I won't bore you with the journey, but I was very pleased when I checked on clear score, who pull date from Equifax, that my rating has now reached 698/1000 which they deemed to be "looking…
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How do you get a credit score?
My son age 21 has been thinking about borrowing (loan) for a car, due to ULEZ restrictions. He has been with Nat west since age 16. Never been overdrawn, worked at same job 2 years. Never borrowed before or taken out a credit card as not needed. He has little outgoings, lives at home . He has got some savings. Never been…
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Removal of a Paid CCJ
I have recently paid in full a CCJ to Gladstone Solicitors who are acting on behalf of Euro Parking Services Ltd. Around 9 months ago I was issued an initial parking fine from Euro Parking (the parking fine I do not really care about contesting, especially after paying the CCJ is an admission of guilt). Due to my…
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Credit score differences (same credit ref agency)
Hey all. I’m hoping someone might be able to offer some clarification about credit scores. There’s no sugar coating things, my credit rating is terrible and has been for most of my adult life. You could say it passed down with the generations. We grew up with that ‘hide behind the sofa’ or ‘pretend we’re not in’ kinda…
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Yorkshire Water Missed Payment
Sold my house in Sep 21. Trying to buy a house now and a couple of agreement in principles bounced. Checked credit report and Yorkshire water reported failed payment of £44 after closing the account down. Phoned them up they said when the close the account they also automatically stop the direct debit, so the final monthly…
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Car finance confusion
Hi, This is the first thing I have ever taken out on credit and I’m really confused about it all. long story short, the first payment was due on Christmas Day. Due to all the bank holidays and things it wasn’t taken, and I never thought to double check (which is my own fault I know). letter had come today asking for…
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Removing missed payment from credit file?
Hi, before I continue I fully accept responsibility for this missed payment and have no one to blame but myself! So I have an overdraft with Lloyds bank which was maxed out and due to interest charges I ended up going over my overdraft limit. I was unable to make any payments as I lost my job last September and it has been…
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whats got the least impact on credit rating?
hi i have a rental property im in the process of selling,and its in negative equity by 20k. I don t believe this will ever recover its price (bought 2007),enough to clear the mortgage of 118k. I ve spoken to my lender and the only option they have offered me is to go into a negative equity agreement,which means there is a…
