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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…
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Halifax
Evening all I had a credit card with Halifax dating back to 2011, which I defaulted on and was sold on back in 2017. I successfully challenged the default date recently and they agreed that the default date should have been 2013 and not 2017 (and therefore no longer on my credit file). The debt has been sold on twice, and…
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Klarna soft search
In Nov 2019 I used Klarna for the first time for a buy now pay later purchase. The account was paid as per the agreement, no missed payments etc. I then closed my account and haven’t used them since. Although I know soft credit searches don’t harm your credit file, I can’t understand why nearly 2 years later I’m still…
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new agreement added
as the topic says, ive had a email saying new agreement added and its from bt ive got my landline from plusnet middle of my current contract not reported ive had my mobile with ee from the year dot and they have got there own report , which i have just renewed my sim only contract so this bt has just shown up nothing to do…
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Currys Creation ‘Your Plan’
So long story short. I don’t have great credit, infact, it’s pretty poor. My son was after a steering wheel to go with his PS5. I seen the G29 down to £269 on Currys so chanced my arm at being accepted for the credit plan and was accepted. I went in today to get my SO a new Apple Watch S6 (£349), got all the way through…
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Small claims
We have a shared sewage treatment works between 5 houses. It says in our deeds we are all liable for 1/5 of the cost of maintenance, repair or replacement. As it is on our land we have had to sort out the problem. To cut a long story short it was more cost effective to have it replaced rather than repair it. Four of us…
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How likely will I be accepted for finance?
Hi, I’m planning to get a new car on finance and I wanted to ask if anyone knows how likely I’ll be accepted for finance? I’m 21 and my credit score is not the best as I missed a payment 3 months ago but everything else is fine. My Experian credit score is 748 and Clearscore is 660 out of 1000. When I checked my finance…
