Really quite shocking and yet unsurprising from South West Water here. That “record fine” clearly didn’t have the intended impact either. The government needs to take action on this urgently.
Also… I think people shouldn’t need a Barrister for small claims court, they should be able to represent themselves. A bit poor in the system that someone should need to hire representation over such a small sum.
No it’s nothing to do with political affiliation at all,
And someone has already replied about the UK which is largely where my experience lies in this area.
Voter registration (entry onto the electoral roll) is additional confirmation that the address you are using for other credit/loan information is accurate.
It’s not, really, although it’s a bit more nuanced than that.
Credit scores are now taking in more information than ever, so things like your debt repayments as a % of your income (affordability) are feeding in as well.
For the people carrying credit card debt, one CRA might give you a better score if you carry a balance >0 but <25% of your total credit limit, and another it could be 0 to 40% so you will see some score variability.
If your utilisation is higher your score may suffer. This is only one aspect, though. Repayments on other debt (mortgages, utilities, mobile phones) play a part, as do things like voter registration and the time you have kept open your accounts. TransUnion is now incorporating BNPL (like Klarna) data for some reporting, although not sure it feeds into the score view yet).
I would highly recommend using whatever free apps are available for each of the CRAs (TransUnion, Experian and Equifax are the three main providers) to monitor your score.
For TransUnion you should be able to use the Credit Karma app in both the US and UK, and in the UK you also have the ClearScore app for Equifax score.
Experian in the UK is on the process of removing 3rd party app access (would have been MoneySaving Expert app before, but that’s moving to TransUnion).
Why would you get a ticket for the tube/bus/overground? You can now pay with any contactless card or apple/android pay.
A parliament has a maximum term of 5 years. Any change to the date of the next election will have a direct impact on the latest date of the next election.
https://www.parliament.uk/about/how/elections-and-voting/general/
My tiny gripe…
On iOS, I have set a couple weekly to-do items (recurring) that all have sub-tasks….
Except there isn’t a way to just see the subtasks? I have to click into the reminder, scroll down to subtasks and click into that.
What the heck?!?
@KumaLumaJuma
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