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Getting a Credit rating after living away
Hi, we have been living in Canada for over thirty years but have now repatriated. We have a fantastic credit rating in Canada but with being away so long do not have one here. We are mortgage free and pay our bill by direct debit. We'd like to take advantage of interest free offers on carpets etc. but can't get accepted.…
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Do credit reference agencies know your income?
Do credit reference agencies know your income? I know your current account gets reported to the agencies. But do they give them any income details etc.
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Keeping 999 score whilst renting
Hi, I have decided to boost my saving capacity for a mortgage by moving from a £1200/month (+ bills) rental to renting a room for 6months at a friends house for £500/month (all inclusive). My current credit score on Experian is 999. What tips can you give me to keep it that way? At the moment all of the bills are on my…
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Late credit card payment
A friend of ours had a credit card from Capital One for his wife and had an outstanding payment of £280. He usually pays between 30-40% each month of the balance. In 2014 they moved house and due to an oversight did not make a payment until he received a letter from a collection agency demanding payment. He got in touch…
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Credit Limit too low
Hi, I recently used Experian's free trial to look at my Credit Score. I had one negative on the report which said that my current credit card limit of £1000 is too low and indicates the banks may be reluctant in giving you a bigloan. I have had this Credit Card for 5 years when I started university and was given a credit…
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Dodgy email
Hi all I've just checked my junk folder for a password for something and noticed a text only email invoicing me for an amount that is the exact amount of one of my debts. It looked pretty spammy with no company name, just a persons same followed by 'head of finance' and I won't bother taking it seriously but just wondered…
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Santander vs Fusionx212
Hi All, thought i'd swing by with some goods news. I raised a complaint to santander using the Resolver service on the basis I had not received any correspondences about defaults and arrears on my account. back story being lots of running around after santander to prove my accounts, being told new day was responsible now…
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New free credit report Clearscore (Equifax)
MSE Insert: Check our Clearscore info and credit score guide for more help. Back to the original post... Has anyone tried this out? They receive your history from Equifax it seems but are a completely independent company. https://www.clearscore.com Looks legitimate:…
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Address Format & Electoral Register
We moved in December last year and one of the first things that I took care of us was making sure that we were registered on Electoral register. Got confirmation through within a couple of weeks, and more recently our cards for the local elections on 5th. Last week I was declined finance for purchase of a bed at Bensons…
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Does applying for credit cards affect credit rating?
Hello I would really appreciate any advice regarding my situation. I am considering applying for a 0% balance transfer credit card to transfer my debt from AMEX in order to save some money that would normally go towards the interest. Thus using the money saved from the interest to actually pay the balance is the plan.…
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OMG is this Good Old Britain gone mad.
I returned from a period in Spain on 23rd November 2015. Waiting for me was a letter from a debt collector. It would appear that I had gone to Spain and not finished paying for a dongle! I paid the £38 and asked that it be recorded that it had been paid. However, then realised I could not get credit and began the search…
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British Gas late payment error
Hi, I opened a British Gas account in my new property back in 2013 and have never missed a payment (or any other credit payment). I applied for a remortgage and got rejected due to credit score being poor. So I looked at my report on Experian and was horrified to find it was down at 706. I looked closer and saw I had 4…
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Experian etc, who can see my updated information?
Hi folks, I have a question which may sound a little odd but here goes. I have wanted to start to rebuild my credit after it was wiped out following an accident a few years ago which left me incapacitated and broke. The first thing I wanted to do was check my credit score but the only thing that has put me off is I recall…
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credit report help !!
Hi all and thanks for taking the time to read my post. This is my first post here so sorry if my question has been replied to before. Okay so heres my problem... I recently decided to take a loan out but was declined by the lender so i signed up to noodle to check my credit file to see why. After checking my file i seen…
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Paypal chargebacks 😡
Hey looking for some advice, I recently helped a so called friend out by requesting money through PayPal from them as they didn't have online banking then lifting it out and giving it to them, this happened 3 times. now several months later they have claimed chargebacks through their bank and I now have a -665 negative…
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Do car Insurance payments affect your credit rating?
Do car Insurance payments affect your credit rating? My car insurance renewal is due soon, I've heard that paying yearly rather than montly is better for keeping your credit rating good, is this true?
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Tenant referencing with defaults
I'm just after a bit of advice regarding renting credit checks. It's looking likely that our landlady is going to want to put the our house on the market soon, so we'll be on the move again! joys of renting! Since moving in to this house we've gone onto a DMP and have several defaults between us and I have a DM marker on…
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Experian charges
I have recently been turned down for credit, and don't know why. I was told that my Experian report was looked at. I wanted to get a copy, but on the Experian site, the £2 report doesn't give a credit score. However, there is a free report if you sign up for the fee of £14.99, which you can cancel within 30 days, unless…
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IVA what to do now?
Hi Guys. Just looking for some advise if anyone can help.... So I have just finished a 5 year IVA and am waiting on my closing statement which is due to arrive any day now. So now I want to move on with my life and me and my girlfriend are now starting to save for a mortgage. Problem is the bank I have been with for the…
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Poor credit score.
Last year I got myself into £3000 debt with a 0% credit card. I have never missed a payment, and always paid back the minimum of £25 a month. When the 0% period ended, I decided to get in contact with the charity Step change. I sorted out a DMP and now pay a minimum of £40 back a month which is fine. What I'm just…