Ask James
James Jones, Consumer Education Manager, answers your credit questions
Your questions about credit
Latest questions
- Can my ex’s debts affect me?
- Can I explain my unfortunate circumstances on my credit report?
- Are claims that my debts can be written off and my credit report wiped clear true?
- Will lodger’s trail of debt affect my credit rating?
- How can my student daughter find out why she’s been refused credit?
- How can I resolve my address discrepancy?
- I am registered on the electoral roll but why does my credit report not show this?
- Can I post a warning on my credit report that my driving licence has been stolen?
Questions about applying for credit
- Should I use my university address for credit?
- Can my UK credit history be transferred to the US?
- How can I get new credit from my ‘untraceable’ barracks address?
- Will postcode discrepancy affect my credit rating?
- Why have I been refused credit when my credit score is excellent?
- Can I import my Australian credit history into the UK?
- Do current accounts affect credit ratings?
- What can I do about an unauthorised credit check?
- How can I repair a silly mistake?
- Will financial dispute about a gym membership in New Zealand affect my UK credit history?
- Why am I having difficulties getting credit after moving back to the UK?
- Why can't I get credit?
- Why am I suddenly being refused credit?
Questions about the electoral roll
- How can I make up for the fact that I am ineligible to vote?
- How can I get credit from my barracks address when I don't vote there?
- Will failing to register on the electoral roll affect my credit rating?
- Should I stay or should I go?
- How do I get on the electoral roll?
- How can I update the electoral roll to show when I moved in?
Questions about debt and arrears
- Where can I get a loan with a chequered credit history?
- Can I explain the reasons for my bankruptcy on my credit report?
- Can a prepay card help my son rebuild his credit rating?
- How do we update our report now our Trust Deed has ended?
- Do liability orders appear on my credit report?
- Will handling my car keys back affect my credit rating?
- How can I update my late son's credit report?
- Will reduced mortgage payments ruin my credit record?
- Should I worry about eight-year-old debts?
Questions about other people
- How can I stop previous occupants from continuing to use my address?
- What are the implications for my husband and I linking up our credit reports?
- How can I stop debt collectors chasing former tenants at my address?
- How do I break the link between my credit report and my estranged husband's?
- Will buying a repossessed house ruin my credit rating?
- Should I be concerned about direct mail arriving in someone else's name?
- How clean is my house?
- Can my ex-partner affect my credit rating?
- Was I refused credit because of the previous occupants' details?
- Why am I being linked to my housemate when our finances are seperate?
Questions about fraud
- How can I guard against my tenants committing identity fraud?
- How do I remove fraudulent entries from my credit report?
- How can we check whether my husband is a victim of fraud and what should we do about it?
- How can I resolve identity fraud problems?
- Will recent fraud affect our mortgage application?
- Could credit reports be password protected to fight fraud?
- How can we stop identity fraudsters using our late mother's details?
Other questions
- Does checking my credit report damage my credit score?
- Why did I fail a recent ID check?
- Can you explain some of the information on my credit report?
- Why was I unable to buy shares?
- How do I get my MasterCard on my credit report?
- How much of my credit report can lenders see?
- How do I add an explanatory note to my credit report?
- How much do I pay for a copy of my credit report?
Post your question to James
James cannot investigate specific queries about your credit report but he can answer more general questions about credit, credit reports, credit decisions and identity fraud. Before submitting your question, please check James has not already answered a similar question.
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Related sites Living in the US? Put your questions to James's US counterpart Maxine Sweet Ask Max » |
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