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Credit Union
Hello, How do Trans Union assess income when making application for credit? Do they have access to Real time pay data from employers? Thanks
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text obsolete please remove
text obsolete please remove
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Help!!! Missed payment advice
Hi so I was the victim of fraud and had a bereavement this week… for one of my loans, the payday was meant to be 25 November but I changed it to 28 (today) searching through my junk box I’m alarmed to see an email today saying my payment is 3 days late!!! The change obviously didn’t go through!! I will call them tomorow…
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Clearscore changed their scoring.
Seems to be out of 1000 now instead of 700
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Debt collector letters for (presumably) previous residents
We moved house a little over year ago. Since then we have had a constant stream of post for a variety of different names connected to the previous owners. I dutifully marked these as "not at this address" for months, but was getting suspicious about some of the more official looking ones and started opening them. I have…
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Utility now appearing on Credit File?
So I was with people's energy before they went bust, and then got moved over to British gas. I just just a notification of change to my credit file. I checked them and sure enough I have two new accounts on there, gas and electric. I've never had a gas or electric provider apear on my credit file before. Do you know why…
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Clearscore
Hi, has anyone noticed Clearscore acting a bit strange? My mortgage does not show up, also a couple of defaults fell off just over 4 years?
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Any difference if I close a credit card or if the bank does?
I had a letter off Sainsbury to say they are closing my CC because I've not used it lately. I was planning on closing it soon - I had it for a BT, long paid off - but is there any difference in effect on my credit history if I write and ask them to close it, of if I just let them carry on and close it for ,me? It'd save me…
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Credit score and my bank account balance
Hi everyone it might be a silly question, so I apologize in advance... but how can the "big three" (expedia, transunion and Equifax) give you a credit score if they don't even have access to your bank account?Basically, I almost never checked my credit score (my bad, I know... I will change that), but now I did, on all…
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Trying to remove incorrect Information on my credit file
Can anybody possibly give me some information as to how I can go about having incorrect information from my credit file? I had a mobile phone account two years ago now with Tesco Mobile, however, during that time of contract, I lost my job & got into serious financial debt & was unable to make payments on my account. After…
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Removing Hard Search
Hello Everyone, I had placed a mobile phone contract order recently, with this horrible company Fonehouse. While taking the order they were showing expected delivery date of 12th Novemeber. So I placed the order, since then I have been chasing them up and each time they say order will be delivered next day and then no…
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aqua/ moorcroft
Confused is a understatement. I missed a few payments with Aqua on my credit card so they sent my account over to Moorcroft where we agreed a payment of £50 pm on 4k debt which is taken every month off my debit card automatically without fail on payday. it has never been missed, but on searching my credit file Aqua are…
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Overdrawn current account default date
I’ve searched evrywhere for a definitive view on this without success, so here goes with my situation. I recently applied for a mortgage and was declined due to, what I found to be, a default on my credit record relating to 2017. I had an old bank account with Nationwide, opened in 1990, that I had stopped using as my main…
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Either way I lose
Hi All, I am having a real nightmare trying to figure out what can
be done to improve my credit score. I have never had any issues with bad credit or missed
payments and basically pay everything with direct debit or standing order, earn
reasonable money and have no loans or debt. I have a credit card for monthly
expenses…
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Can I get a mortgage with missed payments and pay day loans
Hi there, My partner and I are looking to get a mortgage in the next 2 years. His credit file is clear, however mine has 2 separate missed payments (unsecured) from 2020, which were the settled the following month and I also had 2 pay day loans in 2020, which were paid as required. So by the time we are buying our home,…
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Current account removed from ClearScore credit report
Good afternoon everyone, I hope someone can shed some light on this for me. I've recently changed address, and I've noticed my ClearScore credit report is removing my current bank account - does anyone know why this is? My current account is very much still open and ClearScore have been unhelpful at best. Does anyone know…
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Carphone Warehouse refused phone contract - Suspected fraudulent
The title says it all, my wife applied for a phone, got turned down, - only found out when the parcels didn't turn up, first one showed as no order, tried again went through - no parcel, phoned them up, order cancelled suspected fraud. Can't tell us why, no one to speak to, no way of finding out. So i tried, same thing…
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Credit scores and how to improve my mortgage offers
Hi all I wondered if I could pick the hive mind here. I've had a perfect credit score for the past 5 years until a few months ago when I deleted a direct debit with one last payment showing on it - I have now repaid this debt but this has now adversely affected my credit score which is now affecting my mortgage rates. I…
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Sky technical error caused 6 hard searches
My credit score has been hit hard by sky glass website error, 5 of them were caused by the website error before I gave up and called the helpline to buy. I didn't realise until I looked at my score, horrified that these were entered and my score fell by 170 points on experian What can I do about this please?
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Chances of High Street Rate Mortgage
Hi, I have just taken out a Capital One Credit Builder Card. I currently have six defaulted accounts on my file. In 1 year - 4 of them will have dropped off as over six years old. Will still keep paying them off under a DMP So in 1 year my file should look like this - could I get a High Street Rate mortgage? 1. 12 months…
