My credit report from Checkmyfile

After realising that i had a CCJ that i knew nothing about, i have checked my credit report and glad i did but not happy as i have found some things on there that worry me and shouldnt be there, i will need to start reedying my file. People will ask how come i didnt know of these until now, yes thats a fair question, firstly i have a complex address (see my other posts) which result in me barely getting mail unless i chase all around the houses, secondly i suffer from PTSD from my military service, yes i should check my credit report more often but i have not. Some of the entries have confused me as i should not have the CCJ,s at all, i have received NO paperwork and i can prove we have a problem with this address, and some entries such as utilites namely water has more than one entry for the same period of time with different account numbers, some CRA are showing as satisfied but others showing as in default, but the worrying thing is i had no debt with them. Please can someone point me in the right direction as to which process to follow for the entries, i will do the work but i am unsure which process would be a remedy for them.


Loans

1 ( i have no idea on this)
LOWELL PORTFOLIO I LTD
Loan
Opened on 11 December 2018
Account ending
Reported until June 2025
Account status reported as Default
Default of £574, recorded June 2019
Default not yet satisfied
Updated 24 November 2019

2 (Yes i knew of this but they did no checks at all, they are in talks to pay all the people that have put in a claim against them)
MORSES CLUB LTD
Home Credit
Opened on 11 December 2018
Account ending
Reported until September 2025
Account status reported as Default


3 (I have no knowledge of this)
Lantern
Unsecured Loan
Opened on 16 October 2018
Account ending
Reported until March 2025
Account status reported as Default
Default of £745 recorded 3 March 2019
Default not yet satisfied
Updated 1 June 2023


4)  CASHEURONETUK,LLC (I have no knowledge of this)
Pay Day Loan
Opened on 13 October 2018
Account ending 194
Reported until March 2025
Account status reported as Default
Default of £800 recorded March 2019
Default satisfied July 2021
Updated 29 August 2021


5) Lowell (I have no knowledge of this)
Unsecured Loan
Opened on 20 September 2018
Account ending1234
Reported until June 2025
Default of £82, recorded 30 June 2019
Default not yet satisfied
Updated 6 June 2023



6) MORSES CLUB LTD (I) (As above with the previous Morses)
Home Lending
Opened on 20 September 2018
Account ending 2345
Reported until September 2025
Default of £82, recorded September 2019
Default satisfied date not reported
Updated 25 November 2019


7) Lowell (I have no knowledge of this)
Home Credit
Opened on 18 August 2016
Account ending 1212
Reported until April 2024
Account status reported as Default
Default of £2,247, recorded 30 April 2018
Default not yet satisfied
Updated 6 June 2023


VANQUIS BANK (I have no knowledge of this)
Loan
Opened on 18 August 2016
Account ending 4567
Reported until April 2024
Account status reported as Default
Default of £2,923, recorded April 2018
Default satisfied January 2019
Updated 6 January 2019


4 CLosed loans

9)
Greenlight Credit Ltd t/a Varooma (Yes i knew of this but thought this was settled, its showing as negative on my report though)
Unsecured Loan
Opened on 7 September 2018
Account ending 3456
Reported until March 2029
Initial balance of £3,123
Closed 28 March 2023
First payment made on 7 September 2018
£90 Monthly for 3 yrs
Updated 1 March 2023


10) Morses Club Limited This i do not understand as there multiple entries of this with different accounts and should it be showing?
Home Credit
Opened on 19 June 2018
Account ending 123
Reported until December 2024
Initial balance of £825
Closed 11 December 2018
First payment made on 19 June 2018
£156 Weekly
Updated 22 December 2018



11) MORSES CLUB LTD (As per previous Mores entry)
Home Credit
Opened on 5 December 2017
Account ending 2345
Reported until June 2024
Account status reported as Settled
Closed 19 June 2018
First payment date not reported
£122 Weekly
Updated 24 June 2018


12) Morses Club Limited (As above)
Home Credit
Opened on 5 May 2017
Account ending 1234
Reported until December 2023
nitial balance of £433
Closed 5 December 2017
First payment made on 5 May 2017
£45 Weekly for 7w
Updated 24 December 2017


Credit cards


13 ) Capital One (This i have made an irresponsible lending claim)
Credit Card
Opened on 15 August 2016
Account ending 4567
Reported until 6 years after account closure
Account status reported as Normal
Credit limit £1,000
Headroom available £200
Monthly change £15
Updated 31 May 2023


14)
Lowell (I have no knowledge of this).
Credit Card
Opened on 22 August 2016
Account ending 1234
Reported until July 2023
Account status reported as Default
Default of £798 recorded 17 July 2017
Default not yet satisfied
Updated 6 June 2023



15)
CABOT CREDIT MANAGEMENT GROUP LIMITED  (I have no knowledge of this)
Credit/Store Card
Opened on 19 August 2016
Account ending 0564
Reported until February 2025
Account status reported as Default
Default of £750, recorded February 2019
Default not yet satisfied
Updated 4 June 2023



Insurance

16) I don't understand why this would be even on here, and why have both the original creditor and the third party put entries into my credit report, should this be one or the other? this does look to be the case.
ESURE INSURANCE SERVICE LTD
Insurance (Car)
Opened on 23 February 2020
Account ending 2121
Reported until 6 years after account closure
Account status reported as Active
Current balance of £128
First payment date not reported
Monthly for 12
No monthly change
Updated 21 May 2023


ESURE INSURANCE SERVICE LTD
Insurance (Car)
Opened on 10 February 2020
Account ending 2121
Reported until 6 years after account closure
Account status reported as Active
Monthly for 12
No monthly change
Updated 21 May 2023




JC INTERNATIONAL ACQUISITION LLC
Insurance (Car)
Opened on 1 July 2017
Account ending IGO34
Reported until September 2023
Account status reported as Default
Default of £145 recorded September 2017
Default not yet satisfied
Updated 21 May 2023



CREATION CONSUMER FINANCE LTD
Insurance (Car)
Opened on 12 April 2021
Account ending 1234
Reported until February 2028
Account status reported as Settled
Closed 1 February 2022
First payment date not reported
Monthly repayments
Updated 13 March 2022



CLOSE BROTHERS PREMIUM FINANCE
Insurance (Car)
Opened on 26 November 2018
Account ending 4-04
Reported until March 2025
Account status reported as Settled
Closed 20 March 2019
First payment date not reported
£57Monthly for 8mths
Updated 14 April 2019


Utilities

17) ( I have no idea of this, we have never had any issues with water at all)
YORKSHIRE WATER
Public Utility (Water)
Opened on 16 February 2015
Account ending 0123
Reported until August 2023
Account status reported as Default
Default of £550, recorded August 2017
Default satisfied June 2022 Transunion saying not satisfied
Updated 4 June 2023


18) As above.
YORKSHIRE WATER
Public Utility (Water)
Opened on 16 February 2015
Account ending 0123
Reported until August 2024
Account status reported as Settled
Monthly repayments
Updated 5 August 2018


CCJ

19) I have no knowledge of this at all.
Case heard on against
Case reference - (County Court Business Cen)
Court Judgment of £5,115
Court Judgment still active
2 Years, 44 Weeks Until Removal (May 2026)


20) I have no knowledge of this at all.
Case heard on 2019 against Mr
Case reference - (County Court Business Cen)
Court Judgment of £801
Court Judgment still active
2 Years, 19 Weeks Until Removal (Nov 2025)

21) I have no knowledge of this at all.
Case heard on against Mr
Case reference - (County Court Business Centre)
Court Judgment of £333
Court Judgment still active
Court Judgment not disputed
1 Year, 50 Weeks Until Removal (Jun 2025

22) This is the CCJ in my previous post that i am trying to have returned to the court.
Case heard on
Case reference - (County Court Business Cen)
Court Judgment of £11,704
Court Judgment still active
3 Years, 15 Weeks Until Removal (Oct 2026)

I cant really help never looked at my credit file ,it is of no interest to me &
whatever it may say ,it has never affected anything.

Do you recognise all or some of these accounts? there appear to be several
around the same time. If you have no knowledge of some of these it could
be a case of identity thieft,especially as much of your mail is being delivered
elsewhere.

daveiron wrote:I cant really help never looked at my credit file ,it is of no interest to me &
whatever it may say ,it has never affected anything.

Do you recognise all or some of these accounts? there appear to be several
around the same time. If you have no knowledge of some of these it could
be a case of identity thieft,especially as much of your mail is being delivered
elsewhere.  

Thats just it some of them i dont recognse at all, and the fact that a few of the entries are all in the same timeframe, even one of the insurance compaines has two accounts both different yet within a year of each other despite the same company being the creditor.

All that comes to mind at the moment is perhaps a DSAR to those you do
not recognise. No need for signed for mail,first or second class will do.

christ that is one hell of a list !

something is going on without a doubt

it would help if each one of these were numbered as you did at the start of the list ( maybe edit your post and number them )

then in a further post please comment after each number ie: no idea what this is, never had a loan, familiar with this one , never heard of the original creditor etc etc.

you have 4 active CCJ's on there !! these need to be priority in my opinion as to what they are and if they are even yours ?

you have some serious work to do here, do you think you are up to it ? regarding your health i mean ?

Please make sure the amounts are not the correct ones add a few pounds on them, it can give you away to DCA trolles ect

And please remove last numbers of accounts you can be tracked

And if your user name is your real name YOU must change it freind

This is all very important it's to protect you from them they WILL use it against you in some way.

waylander62 wrote:christ that is one hell of a list !

something is going on without a doubt

it would help if each one of these were numbered as you did at the start of the list ( maybe edit your post and number them )

then in a further post please comment after each number ie: no idea what this is, never had a loan, familiar with this one , never heard of the original creditor etc etc.

you have 4 active CCJ's on there !! these need to be priority in my opinion as to what they are and if they are even yours ?

you have some serious work to do here, do you think you are up to it ? regarding your health i mean ?

I will look at the list now and go through and amend as you asked, as to whether i can undertake it, i think so yes, as long as there's help as to what steps to take i can certainly do it. I have again contacted Royal Mail about this as we have had this problem for the 7 years that we have been in this property and it cant go on, it has caused me no end of issues. And this is a genuine hand on heart problem, the issues with my driving ban, the CCJ's all because of our address being complicated, i just wish i could catch a break with the courts regarding the CCJ in my other post and the driving ban. These are really pushing my stress levels with my PTSD, and all i want is a fair and proper court hearing which isn't a lot to ask for is it.

Mobo wrote:Please make sure the amounts are not the correct ones add a few pounds on them, it can give you away to DCA trolles ect

And please remove last numbers of accounts you can be tracked

And if your user name is your real name YOU must change it freind

This is all very important it's to protect you from them they WILL use it against you in some way.

I will change them now thank you, no that's not my real name as i thought they may check these type of forums.

we will help all we can,

i know it is more work for you but it might be a good idea to write to Royal Mail, put down the issues you have been having for the last 7 years and ask what the postmen/women likely do with the mail that doesn't get delivered.

It may be that their replie(s) could give you evidence of the problems you are and have been having for the last 7 years, a BIG help going forward.