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Financial association
Hi, I’ve had a financial association added to my clear score who I’ve not seen for about 16 years. The person mentioned has previous for fraud and there’s no reason they should have been added ive messaged clearscore who have removed them from my credit report. is there anything else I should be doing to make sure they…
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Mortgage Company or Broker?
I’ve had an offer excepted on a Grade 2 listed thatched cottage. I would like a small mortgage (12% LTV) as a safety net in case of any unforeseen issues. I’m tempted to apply online to one of the usual high street lenders, but due to it being listed, thatched and over 400 years old I’m concerned they’ll run a mile and…
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How to improve credit rating
My credit rating is hovering at the low end of ‘fair’ and I’m struggling to increase it. I have debts, which I have been steadily paying down for the last couple of years using the snowball method. It will probably take another couple of years to be debt free. I’ve never missed a payment. I’ve also stopped using all credit…
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Vodafone and credit score
Hi all, This is my first post and thank you to any advice offered. I had a pay monthly sim with Vodafone. The data service for my postcode was not as advertised and I complained. They closed the account and said there was nothing left to pay, this was in July. In September I received an email from a debt collection agency,…
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Advice on spending on a credit card to build credit
Hi all, I am soon to be 18 and I'm looking at getting my first credit card to help build up a report and score. I understand the key principle of doing some spending, paying off in full at the end of the month etc, however I have a few questions around the types of purchases and if they would make a difference. I travel to…
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Should I keep an account open from 2003, just to help maintain good credit rating?
Bizarre situation - I opened an account in 2003 with Intelligent Finance (IF.com). I credited it with £1 at the time, but they never completed setting it up. I lost access to my £1 and frankly ultimately forgot I'd requested this after a few years of trying to get it resolved. Suddenly out of the blue (18 years later, no…
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LTD company after bankruptcy?
To be a director of a LTD after being discharged will it be very hard for the company to credit? would your credit file have a huge impact on the new company?
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Will two hard checks affect credit score?
Hi, I went to place an order with a retailer a couple of days ago that opened up a separate Klarna window to apply for 24 months interest free credit. The retailer said that I have 30 minutes to complete it and the stock would be held for that time. It took about 10-15 minutes to fill out everything on the various Klarna…
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Moved: Debt collection letter
This discussion has been moved.
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File clean up after discharge
If someone has just been discharged from bankruptcy then is it normal for all their old debts that were included in the bankruptcy to be still showing on file? if they just wait will they al drop off? or does the individual have to write to the credit agency and request they should have been removed as they were in…
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Do you regularly check your credit report? Why?
In one of our recent weekly emails, we learned how more than a third of respondents to an MSE poll have not checked their credit score in the last decade. As Martin often says: "There's no such thing as a credit score in the UK - no one single number that dictates whether a lender will accept you. Each lender scores you…
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Lost Driving License - worried about Identity Fraud
Hi, Apologies if I have posted this in the wrong category. I recevied a fixed penalty notice from Police Scotland with regards to a traffic camera in October. I sent off my license and a cheque for £100 which they cashed on the 4th of November. I received no driving license back in the post so called them this week. They…
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Does immediately paying off my credit card affect my credit rating?
Hello everyone, I've recently noticed that the Natwest banking app has an option to check your credit score, which updates each month. I've been checking it and my last score is 627 out of 710, which it marks as 'good'. All seems well, and it looks like this score updates once a month on the 26th for me. Underneath my…
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Halifax mortgage - Experian
Hi I was just after some advice. I took out a joint mortgage with Halifax in October. As expected my credit score dipped having had a hard search. However it has continue to dip week on week and almost 200 points lower than when I applied for my mortgage. I have taken out utilities in my name at our new house. So not too…
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Credit Report, Identity Fraud & Gambling Websites
Hi all, I’m hoping someone can advise and/or point me in the right direction. For context, I’m hoping to buy a property in the next 12 months, and as a first time buyer I am keeping a close eye on my credit report. I logged into CheckMyFile a couple of weeks ago and noticed some unusual searches that were carried out using…
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Electoral roll advice for non permanent address
Seeking advice - we have just moved back into our house that is listed as a self-catering property with the council. We plan to live here for 6 to 8 months of the year and rent it out in summer while we live on a boat... we are keen to make sure that we have a clean credit score but the rates assessor has said we would…
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Taking company to Court vs Backing down
Eon energy, one year ago, there was a massive !!!!!!-up with my direct debits/payment plan. Long story. They defaulted me. Three months ago, spoke to someone at Eon, and along with email evidence from them which I hold. They stated if I pay off the outstanding £3,000 debt/Balance, they would remove the default. I've paid…
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Credit club login problems
Ive just failed a credit check, first time in 43 years work and i need to see my experian report. ive not logged into the credit club for a while and cant remember the password, no matter how often i click the reset password option and fill in my email, i get no email sent. frustrating. I cant set up a new account as it…
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Cifas sar
Just done a cifas sar it’s come back clean apart from these, would there be anything to worry about or is that a genuine check from the bank?
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Experian showing no active credit accounts
Hi I currently have a mortgage, credit cards, car finance and mobile phones which all show accurately on my ClearScore report but seem to have all gone missing on my Experian report. I have requested the actual credit file from Experian but it looks like it could take 7 days to come to me. I have checked it before in the…
