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Canopy
I signed up last year to Canopy the site that can track your rent , I didn’t use the pay option , anyway I changed bank accounts forgot to reconnect tge bank checked my credit score on Experian 2 days ago and it said missed rent payment , I’m livid , I have never missed a rent payment and currently trying to find somewhere…
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Conflicting advice in MSE Credit Club
The 'credit report insights' tool gives a list of things I'm doing well, and list of things I could improve upon. So far, so sensible. However! Of the three things I need to work on two are:* You aren't using the credit available to you * You're using a lot of the credit available to you Surely it should be one or the…
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Default dates on credit report being changed right before they’re due to drop off?
I have two accounts that I defaulted on just over 6 years ago. This has now happened with both of them: Just after the date the default was due to "drop off" of my credit report (6 years), they have updated it to a random date a few years later, meaning it's back on my credit report. I've raised disputes for both of them…
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Missed Payment mark with Tesco Bank AFTER settling account in full
Hi all, On 14th November I initiated a full balance transfer of £3,543.83 from my Tesco card onto my new Barclaycard. As far as I was concerned, the Tesco card account had been settled in full and the balance was at zero so I also cancelled my direct debit. On 21st December my wife and I went to Germany for Christmas. Upon…
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MSE News: Your Experian credit score might be about to drop
Credit reference agency Experian will soon give you a credit score out of 1,250, instead of the current 999, it has announced. Yet, while your Experian credit score's likely to drop as a result of the change, this WON'T affect the underlying data on your credit report – and it's that data (not your score) that lenders use…
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Credit report
Can anyone point me in the right direction please to get a credit report? Both DH and I have Monzo accounts and on the credit section we are both showing a default but can’t find out what it is. Also on both our accounts it says we don’t have a mortgage, but we have since 1995 and we only have a small amount left on that…
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Experian Credit Report
I'm quite well off & consider myself quite financially astute. Now well into my early retirement I have become fairly inactive with regards to credit. I have no mortgage, no loans, no credit cards & only 2 bank accounts, 1 for savings & 1 for current account. Imagine my surprise when I received my regular spam email from…
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Moved: Will asking for my UTR trigger anything at HMRC
This discussion has been moved.
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BT/JCIA default
I have recently had a default registered against me by JC International Acquisition, I had no idea what for. Turns out it was a final bill from BT which was back in July of 2024, I don't remember this at all, as far as I was aware it was all paid and done when I switched broadband. I've heard nothing about it until I saw…
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Old bank account on credit file
I have an old Barclays account showing on my credit file. It shows that it's overdrawn by £62 which has been on there for as long as I can remember having any account showing a credit report. Not quite sure how it has an overdraft showing as the account is that old is was a Childs account for me originally opened in 2008.…
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Utility destroyed my credit rating
Im with for a few years now and pay the bill when I recieve it via post. Im due to renew my mortgage and decided to look at my credit rating. It went from excellent 900 to 540 poor due to reporting late payment a few times during the 2 years period. I never signed a contract with them and never consented to them accessing…
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Difficulties with HSBC and credit score in general
I have been trying to adjust the credit limit on my credit card with HSBC but it has been denied regardless of how small an increase is asked for. I have had an account with them for a long time of which my debit account has an overdraft and I have a credit card. HSBC does the credit checks with Experian so I thought I…
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file says not promotional
as the topic says ive got a natwest card 0% promotion which is showing on my statement and app but checking clearscore its saying its not is it worth getting natwest to update the correct info
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MSE Affordability Score shows my disposable income as "very poor" but my wife's as "excellent". Why?
My wife and I both have perfect credit records and decent incomes (mine was £112k last year and hers £131k). However, despite the fact that we split our expenses equally her disposable income rating on the MSE Affordability Score shows up as "excellent" and mine shows up as "very poor". This is borne out with our credit…
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ClearScore's lax attitude towards personal data security
I recently tried to login to ClearScore with an account that I hadn't used for a long time. It rejected my login by telling me that my account already existed. Well, duh!! So I thought I'd try creating a new account, but it refused to accept the password that I'd set a few seconds earlier. So I tried a password reset and…
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Clearing 17k worth in debts in three months! Will this fix my score so I can get a mortgage
Hello All I have been in debt for a while now due to some bad financial decisions made years ago. I'm working full time and have been living ok, interest on credit cards is what made it harder to pay off. A few months ago I opened a business on the side and it did very well that I am in a position to clear my debts. Issue…
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AIP failed
Hi I tried to remortgage on a BTL, I went through the AIP process and it failed. They said affordability is fine but it said credit fail(equifax). I dont understand Ive got my credit report no missed payments, ccjs etc. credit usage low around 20%. Im on electoral roll too. Has anyone got any suggestions, I have requested…
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Link.com. Email is this TransUnion?
Hi Both myself and my dad have received an email from 'Link' titled Update to terms of service. Anyone else received this. I assumed it was a scam but thinking now it may be related to TransUnion. Cheers
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Thames water late payment report to cra
I pay my bill when I recieve it via post. Thames water has placed a late marker on my credit file without my knowledge saying I paid the bill late 1 month. I never recieved the bill and am uptodate with all my bills. They refuse to remove the marker and said " having looked at your history although you are upto date you…
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Checking a credit score
Is there any way that I can check on someone’s credit score? I had a tenant who owes me money. Many thousands. I have a ccj against him. He appears to have moved out but will not give me access to my property. He has changed the locks. I got a PI to find him. The ccj is at my rental property. However the PI did not find…
