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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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Link Financial - Transunion report
Hello, I need help with some statements in my report from Transunion. There is unpaid balance from Link Financial Outsorcing limited (from Shop Direct). I never signed up or used that account. According to record account is made in december 2019. But i wasnt in UK from december to february and that was already my old…
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unable to log in to the MSE credit club
After I log in, the website tries to transfer me to Experian for verification, then the page freezes with the message below. Is anyone else getting this? Does anyone have their customer email address? Thanks.
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Do I need to look through transunion
Hi all Just been looking at my credit file to try and keep it upto date. I've gone through Experian and clearscore but I also found TransUnion which I've never heard of but it seemed much more complicated than the other 2 so I was wondering if i need to go through that one too? Kind regards Mark
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Resolve call chasing debt paid off years ago.
Hello Newby here. I just had a text telling me I'm getting a house call from Resolve Call. It quotes the name I had 20 years ago, and the link is about a debt I had 22 years ago that was paid in full within a year by installments via an Allpay card. I received help and advice from the local community law service at the…
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Correct 'Authority' to investigate Identity Theft?
Hi, I recently found out someone was operating a gambling account in my name & address. While looking ta my credit file, I noticed that SkyBet were running 'Gambling Affordability Checks' on me, which was odd as I don't have an account with them. So I sent an email over and raised a complaint. Asked them to look into it.…
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Missing account on credit file
Hi, I’m really hoping someone can help me, I’ve had a HSBC current account since 2001 but for some reason it has never been reported to the credit reference agencies. I have contacted checkmyfile and they have looked into this and have advised me that there is no record of that account with Experian, Equifax or Transunion…
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My husband's banking app shows MY credit report. What should I do?
Wasn't sure where to post this... My husband and I have been together for 14 years now, and got married 6 months ago. Before marrying, our names were (using made up names for confidentiality) Alan Jones and Robert Evans. On getting married I took my husband's last name, so we became Alan Evans and Robert Evans. We already…
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Settling outstanding debts not on credit file
Hi I have some outstanding debts from 2012 for which I have been paying £1 a month ever since. None of these debts show up on my Experian credit report (which is rated good) I have been offered a settlement sum for one and wanted to know what would happen if I paid off all these debts with settlement figure, would the…
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Unexpected impact of DMP and no car. Help!
So having had lots of savings, been good with credit for most of my adult life and buying my first house, my life and my finances started to spiral. Trying to make my first home livable with a balance transfer card and an inability to budget I couldn’t understand meant I racked up more credit card debt. I never thought it…
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Will mobile phone company offer a repayment plan?
I used up many many minutes of premium numbers. I am on Asda mobile and they do have a section if their is trouble, you can contact customer service, which I will. I know other companies offered a 6 month repayment plan. I racked up around £500. 300 minutes of £1.50 premium rate plus £0.15 non standard calling. I'm not…
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New MSE credit club says I have opened accounts when I haven't
It says this: You have 1 thing to work on You’ve opened a few new accounts recently You’ve opened three or more new accounts in the past six months. This is wrong, I haven't opened even one new account. Bizarrely when I go into the accounts section there are no new accounts.... It's not a problem as anything I want is…
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Fraud Marker
My daughter can't open a bank account or get credit due to a Fraud Marker incorrectly placed on her CIFAS record by NatWest. She has never had a NatWest account or a loan/credit from them. They won't even tell her what led to them adding the marker to her name. This is really unfair and no one seems to be able to suggest…
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Missing information and associates
I’ve recently found out that Equifax do not have any record of my bank account or credit cards. So although I use my cards every month and pay off in full this hasn’t been building up credit history. I have over a 300 point score difference between Equifax and Experian. 604 and 986 respectively. I’m in the process of…
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Communication from Opos Limited / Sky Card regarding Final Settlement of unknown debt
Hello, first post from me! Over the last couple of months I have received 3 texts purporting to come from Opos Ltd, asking me to get in contact. The texts come from the same mobile number and use same OP reference each time. A quick google reveals the number has been raised as a scam by other people. The message addresses…
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Fairscore (T/A as Updraft)
Had a loan with them opened in October, they didn't report it to any CRA so I was thinking they weren't going to. Then I check my live Transunion report and see it has been added today. Presumably it will now appear on the next version of my Equifax report. It's just frustrating it's taken so long as I was working and…
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Applying for an AMEX CC with a default
Hi, Back in 2020 I received a default. Won't get into the details of it but it was for £30 and I had no idea the bill even existed. Other than that, I pay my bills on time, have a mortgage and have just recently paid my car off in full after using PCP. I'm trying to improve my credit history by getting credit as I did not…
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Best thing to do
Currently applying for mortgage and noticed I have an entry on my file for Shell Energy, o/s balance of £183, says started 2014 with same starting balance. It’s all marked as up to date showing US on Experian and U on TransUnion, doesnt show on Equifax. Now I don’t recall using shell energy and I’ve def not had any letters…
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Piggybank loans and credit file
I defaulted on a piggybank loan in 2013 which to be honest I was in the process of moving was only £100 I thought it had gone through as was linked to my bank card . Fast foward 7 years later out of the blue piggybank contacted me asking for the money and I noticed they had put hard searches on my creditFile a year after…
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CCJ and Open account
Hi all, I have noticed something this morning on my CF and im not sure if its correct (likely is) but just wanted to check. I had a credit agreement that I went into default with; CCJ issued, payment upfront wasnt going to happen, payment plan proposed by me denied so it went to attachment of earning for less then what I…
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Default removed and account re registered
Hello I need some help please. So I had some financial difficulties back in 2017 and had no choice but to default on one of my accounts with three the balance was £500. Now six years later the default was removed from my credit file and three have now re registered it with the balance at £300 which is the correct balance.…