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Natwest & Pra Group
Morning all....just after some input whilst waiting on a response from Natwest. I had 2 credit cards with NatWest. Natwest sold both debts to PRA PRA defaulted January 2018 - which finally fell off last month! Happy Days! However Natwest defaults dates are March & April 2018 so are still there....I have filed a complaint…
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Number of Agreements-Equifax.
Does this stop any Car Credit Application This is seen as Red style Marker via Equifax, possibly more cra's. I have currently eight Agreements, ranging from home improvements to techology. Finally my current used EV is mid term, from tomorrow 23 of 48 repayments to make. Is it possible to be considered for Car Finance.…
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Credit Utilisation - scores down
I am using a credit card of having limit 2000 pounds. I always use the credit card for all shopping. Every evening, I pay back to the credit card which I have utilised that day. So usually, my credit card balance will always retain above 1950 pounds. Today when I check my credit score, I have seen a negative impact in the…
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Virgin Money ruining my credit and telling lies :(
Hi there, I am looking for some advice and guidance about trying to proceed with a complaint to the Financial Ombudsman or otherwise find recourse where I feel I have been unfairly treated. In Feb/Mar 2023 I transferred my bank account from Virgin Money using the switching service to another provider. I selected that I…
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Cancel credit cards/close accounts?
I currently have 9 credit cards with available credit of around £9000. They are mostly all cleared, currently owe £520 between 2 cards that I use and clear each month. My question is, will it impact my credit report negatively if I close the cards I don’t use as I’ll be reducing the credit available to me? Thanks
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Default Notice for Zero
Hi there, I found out yesterday that a default notice was issued against me for a 0 balance from my bank. Ive never had a credit facility with them, never been over drawn but theyve entered a default notice against me. I've disputed it with transunion and raised a complaint with the bank. Im just curious as to how they are…
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Credit Score Dropped
Hiya, Looking for some advice as I'm a bit stumped. My credit score suddenly dropped 200 points a couple months ago and I have no idea why. It says my Argos card has been removed but it's still active and I even used it recently. I'm not sure what to do to bring it back up. I've attached a picture of what it says but I…
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O2 Default
I'm looking for advice please: I applied for a mortgage from Natwest and was refused due to an adverse payment entry (this was pretty much the email I sent to O2): It shows an amount of £9 in default for 12 months or so. I have never received any communications from them regarding this, the first time I'm made aware is…
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Imposter on my credit file!
Hi there, I have just checked my credit score on checkmyfile and under the Electoral Roll field there are 2 reported addresses for someone with a similar (not entirely correct) name that's definitely not me!! I have emailed Crediva who put these on my file but haven't heard back? Should I also notify the police? Thank you
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CCJ added to my equifax record incorrectly
Hi I had a look at my ClearScore report and a CCJ is being added. It's not mine. The first name is completely different to mine and it belongs to a sibling. I have emailed equifax. Is there anything further i need to do to get this removed ASAP. Thanks
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Missed Payment - Wasn't aware I had!
I had an update on my credit file today to say that I'd missed a payment for my water, I'd been trying on and off for a year to get registered on my providers site but it never worked and I arranged with them that I'd pay monthly when they sent me a bill. Reason being the house was previously unoccupied and after…
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Adverse credit entries
I have a situation where I rented some flats and the tenants ran up electric bills they didn't settle when they left. I have since found out when applying for credit that the bills were reassigned to me personally. When I found out I settled the bills but they still show on my credit file (as settled) but they stop me…
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QUESTION: Credit Application Using Partners Details
In our household, I manage / pay for all of my family's phone contracts, internet contract etc. Recently updated x4 mobile contracts and on attempting a 5th got a failed credit check notification. My question is this... if I were to apply for this 5th mobile phone contract, using my good ladies details (her name, address,…
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Credit Score Affordability Should Include joint income
My Experian credit score shows my affordability as very poor but it doesn't take account of the fact that my wife and I have joint accounts/income and can easily afford outgoings. Is there a way to get Experian to us joint income rather than mine alone? Michael
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Credit File - Missed Payments
Hi. I'm just wondering if this is correct, I'm quite new to all this. I received a few defaults 4 years ago due to losing my 2nd job when covid hit. I know in just over 2 years these will be removed from my file. However I have a loan account on my file that I have been making an agreed reduced payment to every month for…
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Mystery Soft Searches
Hello everyone - sorry in advance for the essay. I've got a bit of a headscratcher of a mystery on my hands with regards to soft searches on my credit report. I'm hoping people might be able to shed some light or advise me on what the situation might be. I haven't checked my credit score in years, but I've got a move…
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What effects your credit score?
My husband has recently checked his credit score on Experian and got a decent score of 999. We are hopefully going to be applying for a mortgage in the next few months and he has an old credit card with a £10,000 limit on it sat there. We used it about a year ago to balance transfer about £1800 and pay it off. Should he…
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Credit car spend of credit limit how much?
Ive heard that keeping my spend low looks better on my credit history report, so it doents look like Im struggling maxing out my card. Is there a minimum amount I need to spend each month and do having more payemnts look better than just one?
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Two bank accounts hvaing one with no activity affect my history?
Ive got 2 bank accounts one I dont use and just trasnfer cash into very raraely when bank says theyre looking to close it.Would transfering some cash into that bank account help any way, other than just keeping it open?
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Credit rating hugely affected by 'missed' mobile payment that shouldn't have been taken
I have had a real issue leaving my previous pay monthly mobile contract (see Impossible to leave Plusnet Mobile — MoneySavingExpert Forum). The long and short of it is they should have cancelled my contract a few months ago and I had a message to say that was happening and apologising for past payments being taken that…