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Credit Rating from Scratch - What to do?
So I decided to join here, in the hope that someone can point me in the right direction... because I am currently completely and utterly lost. Here's my situation: * I have no credit score or history. * Suffered a disability diagnosis a few years ago. * I lived abroad most of my 20s and have never had a credit card or even…
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CCJ
Hi can anyone help? In 2019 i lost my fiance and had to sell our home. i rented it back for a few months before finally leaving. My landlady said she would take over the energy bills so i gave her the final reading. As i was still walking around in a bubble i didn't contact the energy company to say i was moving. Stupid of…
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Unknown soft searches on account
I got a notification from CreditKarma to tell me that a new soft search had appeared on my account. I just had a look, and it shows 6 soft searches: 2 from Aviva, 3 from LexisNexis and one from BISL Limited, all on the first of November. Now as far as I remember, I didn't apply for any insurance on that day, so I'm a bit…
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Best course of action?
Hello, I’m new here and after some opinions. I need to borrow £30k for some roof repairs. My credit score is currently fair mainly due to high utilisation of my available credit (78% of £26k) and a missed payment to O2 a couple of months ago, because they wouldn’t let me pay the bill for a lost phone until I could tell…
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Will having some utilities registered to another address affect fraud scoring?
I have just updated my electoral roll, drivers license, bank, credit cards, v5c all to a new address. However I have a bunch of utilities (broadband, gas, electric, etc) all registered to a different address. Will this affect fraud scoring? I am looking to get a mortgage soon and wanted to check what will likely hurt my…
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Experian alert
I have had an email from Experian to say that my details have been found online. It shows the first and last few digits of a password linked to my email address and tells me to change the password on the website. As far as I can see, it’s a password that I haven’t used for at least 20 years so I’ve no idea which website is…
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Credit Utilisation?
Do companies see this? Not sure if I've asked or mentioned this before, but checking my Transunion credit report, it shows my credit utilisation to be 81%. I have one defaulted credit card that I'm paying back slowly (drops off in June this year as that's the 6 year point since the default was registered) and another…
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ClearScore verification questions
Has anyone else recently signed up to Clearscore where they ask random verification questions like: 'you have taken out a mortgage' then they give a month and year when youu had supposedly opened the mortgage account even though you haven't done. and then options to pick various mortgage lenders or none of the above. It's…
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Late payment banking error
Several years ago, I had a credit card account with Halifax that I considered closed. However whilst applying for a perfectly affordable mortgage I recently discovered that Halifax reported a late payment on this account to my credit file. This was surprising as I had not seen any notice regarding this late payment at the…
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Virgin performed 2 hard credit checks on me due to their error
I’m due to move into a new house next month so wanted to get the broadband sorted as I work from home. Ive gone with virgin media, signed up last week 15/02 they did the credit check, everything went through ok and got an email confirmation with the contract. Skip forward to the start of this week and had a call from…
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Which company is best to have for scores
Hi which company is best to have for score checking either experian or clearscore or are there others out there??
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02 - Letter from debt collection agency for 02 mistake on mobile bill now Credit score down 24 pts
Hi, I was wondering the effect of a mistake made by 02. I had to take a SIM with 02 when taking Virgin Broadband as part of the "deal" I cancelled virgin and also cancelled the aim last August. I received a letter from a debt collection agency and 02 saying I owed £181.81 on this same SIM. I told 02 I cancelled the SIM…
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Credit application - wise move or not?
Mrs has been notified that her credit score has dropped (still classed as 'good' though), and the reason seems to be that she has only a small amount of credit in her name and she's no longer using even that, as our spending all goes on my credit card. I know lenders do their own calculations, so a CRA's credit score isn't…
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How long until closed credit accounts removed
HiI have closed a credit card and reduced some limits, but Experian hasnt reflected this, as theyre still showing. Its been over 2 weeks so far. How long does it usually take?
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Natwest & Pra Group
Morning all....just after some input whilst waiting on a response from Natwest. I had 2 credit cards with NatWest. Natwest sold both debts to PRA PRA defaulted January 2018 - which finally fell off last month! Happy Days! However Natwest defaults dates are March & April 2018 so are still there....I have filed a complaint…
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Number of Agreements-Equifax.
Does this stop any Car Credit Application This is seen as Red style Marker via Equifax, possibly more cra's. I have currently eight Agreements, ranging from home improvements to techology. Finally my current used EV is mid term, from tomorrow 23 of 48 repayments to make. Is it possible to be considered for Car Finance.…
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Credit Utilisation - scores down
I am using a credit card of having limit 2000 pounds. I always use the credit card for all shopping. Every evening, I pay back to the credit card which I have utilised that day. So usually, my credit card balance will always retain above 1950 pounds. Today when I check my credit score, I have seen a negative impact in the…
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Virgin Money ruining my credit and telling lies :(
Hi there, I am looking for some advice and guidance about trying to proceed with a complaint to the Financial Ombudsman or otherwise find recourse where I feel I have been unfairly treated. In Feb/Mar 2023 I transferred my bank account from Virgin Money using the switching service to another provider. I selected that I…
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Cancel credit cards/close accounts?
I currently have 9 credit cards with available credit of around £9000. They are mostly all cleared, currently owe £520 between 2 cards that I use and clear each month. My question is, will it impact my credit report negatively if I close the cards I don’t use as I’ll be reducing the credit available to me? Thanks
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Default Notice for Zero
Hi there, I found out yesterday that a default notice was issued against me for a 0 balance from my bank. Ive never had a credit facility with them, never been over drawn but theyve entered a default notice against me. I've disputed it with transunion and raised a complaint with the bank. Im just curious as to how they are…