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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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credit score drop from electoral roll and bank address mismatches
My credit score has dropped (at a bad time as I will be looking for a mortgage in a few months) because I am on the electoral roll for the house where I lived for decades but now am selling (slowly), and my temporary address with my daughter is where I have moved my banking to, since I collect mail irregularly from the old…
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Wondering what to do for the best with partially paid-off credit cards
At New Year, I moved my outstanding debt to two 0% credit cards. It's been a big help in clearing down my debt, and I'm about a third of the way there. I've also been paying closer attention to my scores with the credit reference agencies. I'm wondering what is best to do to help improve my credit score. Should I: a)…
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LycaMobile - Unlawful Default Registration
Hi everyone, I am hoping someone can help with a serious credit file issue involving Lycamobile. They added a default to my wife's Experian credit report without any warning or notification and we only discovered it recently when it caused a mortgage application to be rejected. The Beginning: October - December 2023…
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Currys creation Finance
I currently have an £11k limit and used £800 on my currys flex pay/ creation account. Tried to make a £210 purchase today and was rejected. Tried calling creation who advised there aren’t able to advise for a minimum of 24 hours why I was rejected. My concern now though is I’ll have a credit rejection on my file even…
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Equifax Credit File
Has anyone checked their Equifax credit file recently and noticed whether a CIFAS marker is showing? I have a CIFAS registration that appeared on both my TransUnion and Experian reports, but there was no trace of it on my Equifax file. After raising the issue and getting nowhere, I took my complaint to the Financial…
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Not our debt
We recently received a debt letter from bwlegal who acquired the debt from JC International Acquisition on behalf of EE. We have never used EE and when we called bwlegal, they told us the original debt was for somebody at a different address but with my husbands name. We were advised to contact the police for a crn. They…
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Admiral default notice, what do I do?
Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…
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My ClearScore score has dropped, but why?
So, being somewhat paranoid about my credit rating (times were really tough, in the past) I keep an eye on my 'report summary', which has shown a drop of over 100 points, about 10% of the maximum score of 1000. But there's no apparent reason, other than not having a mortgage. I am retired and in receipot of my state…
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Experian and mobile phone eligibility
MSE thread Morning all, Question about my Experian credit score if you don’t mind? On 21st April I transferred a Lloyds credit card balance that was coming to the end of 0% to a NatWest card with a 36 month 0% balance transfer offer (that I found on here so thank you very much for that as well) and didn’t think any more of…
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experian "settled account"
I have had notifications from experian for years and they basically said nothing - today I get one that says I have a "settled account" - means absolutely nothing to me and I can't find out any more info . Does anyone know how you find out what this is?
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Credit reference
Trying to get a credit report but they are asking for a photo upload, is this correct and if so when did they introduce it ? Can you list the main ones to get a report.
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Default Expiring 26/05 - What can I expect?
I have a default on my file from Barclaycard dated 26th May 2020, so it will expire at the end of this month. What can I expect realistically? Will I get access to more mainstream credit? Ideally want to consolidate two higher interest loans with one at a better rate if it will be possible. I havent been in this situation…
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Creation deny reporting a default to Experian and now refuse to get it removed
Hello, I'm in a frustrating situation at the moment and so I'm posting to see if anyone has been in a similar position and if they have any advice. I raised a complaint with Creation in October 2025 because I thought my loan account with them should have been defaulted back in 2019 when it was 6+ months in arrears (as per…
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(RESOLVED) EE DEFAULT REMOVED
Hi everyone, I’m looking for advice regarding a telecom default registered by EE in the UK, because I genuinely believe the process was unfair and I’m trying to understand whether I have any realistic grounds to dispute it further. Timeline: I had an EE mobile contract. Around October 2025 I requested a PAC code and…
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Aviva Zero - Missed Payment - Credit File impact.
Hello, I’m currently with Aviva Zero, and my direct debit was due to be taken yesterday. However, I received a notification from Monzo that the payment had failed because I had forgotten to switch the direct debit back to my main bank account. I contacted customer support via online chat the same day, explained the…
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What would generate these soft searches?
This is off my Transunion free report accessed through MSE. I was surprised to see a number of soft searches today. I haven't looked online for anything to buy so not sure why these would show up. fyi - I don't bank with HSBC and have never used or needed Jaja or Lendable. Meanwhile I've received an email from Experian to…
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Worried about CIFAS
long story short, my wife is self employed and had a medical issue which meant she needed treatment and couldn’t work for a year. I was therefore having to cover bills etc until it became too much and I had to enter a DMP. One of the companies I had a loan with I was only able to make 1 payment to, we had hoped that by…
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Late account on Experian
Hi there. I really need some advice. BacBack in 2012 whilst working for a car finance company, I took out a personal loan with them to consolidate some cards and loans. 2 years later, I was forced out of the company. Unable to find a job for a number of years, I paid them £4.00 to stop the account going into default. Now I…
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Virgin Media Default Preventing Mortage
Hi everyone I've seen a few of these Virgin Media default threads but seems there haven't been any for a few years so thought I'd ask the community again. We switched to Vodafone from Virgin last year, and were issued a final bill of 100 quid I assumed it would have been taken by direct debit as normal but for some reason…
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I've been refused for a current account
Can anyone help with a couple of questions regarding credit reference agencies please? Yesterday I tried to open a current account with a new bank, but was refused. I keep a close eye on my credit rating, and with Experian it is good and bordering on Excellent. The only thing I can think of is that the previous day I made…
