u/Adora19876

Hi Everyone

Husband and i currently are first time buyers and we have been giving a DIP on Tuesday.

I have an Argos Credit account which the balance is 0.

They are changing their lenders which obviously i have no control over.

But i received an email from one of the credit reports i use saying a new credit agreement is being added to the report and i checked and its the argos, but at the same time it says in another update beneath it, Your home retail account is being removed, which is the previous lender argos is with.

Im not sure if this is going to impact my credit score in anyway and im worried now. Had i known this was going to trigger this type of nonsense i would have closed the account down completely.

I told my husband to tell the broker. But i just think why should my credit file be affected because of something i had no control over. I use the lloyds credit score simulation and i just added the argos to it and it dropped my score by a considerable amount of points however the lloyds says its just a simulation and cant predict and now its panicking me, but Will this really impact my score?

Hi everyone

Just seeking advice. We received this letter and i am bit confused to what they are asking for tbh. Also im not very good with building terms so i do apologise if i do not explain myself very clearly.

The letter in regards to chimney work on our next door neighbour to our right no.5. However we don’t share a chimney with them. They share the chimney with no.3. We share our chimney with no.9 as we are no.7

In our street we have 6 houses in one terrace.

1,3,5,7,9,11.

Either side of 1 and 11 is access to a wide street and road. So i dont get why they are asking us to allow them access to our property to allow building tools and scaffold to help them when they have equal distance to the roads as we do. We also had work done on our home a few years ago on our roof and no one needed to access via our gardens to put up scaffolding, our builder just took it through our home, into the garden to erect it.

So i really dont understand what they are asking here, the only other way i can understand this is they have identified problems to no5s chimney and are advertising their services to the rest of us to see if we would like them to inspect our chimneys as well as the houses are very old and they are thinking we could all be in the same position.

I plan on contacting them as soon as possible. But i just want some advice tbh from others before i speak to them tomorrow to prepare myself for the conversation.

Thanks in advance

Will Argos switching lenders affect my score? UK