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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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Fines and ccj
Hi, I've been sent a letter by the courts for an outstanding train ticket fine. They have said I've failed to pay the fine or respond to any letters so now I must either plead guilty or not guilty by the courts which I'm guessing is a Ccj. The problem is this court letter plus the earlier letters all have the wrong address…
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Bank account closed, very scared
Hi everyone, I'm in a tough spot and could use some advice. Last week, my bank account with First Direct was closed without any warning. I'm already dealing with about £18,000 in debt and planning to enter a Debt Management Plan because of high living costs. I have autism, which makes financial management more challenging…
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Rebuilding finances after DMP without credit card
Evening all, I’m new to this category of the forum , I’ve mostly been over on debt free wannabe areas of the site. i have just finished my second DMP , my first was 2017 to 2021 and my second 2022 until 2024 (last week). Of course , I’ve had a few defaults, the ones from my first DMP have dropped off my file now but I have…
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Am I at fault?
I took an 18 month broadband contract with Vodafone July 2018. 3 months later after countless calls to Vodafone, 3 OpenReach engineer visits & a booster later, I could not get a working service in my property and I advised I had to leave due to non-working service. I was charged an early termination fee of £215 which I…
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Soft searches
I have noticed soft searches - ID check by other public body happening quarterly. Any ideas what this is about?
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Southern water ccj
Does anyone know how to get hold of the civil court business centre ? Southern water sent my debt to here whilst I was in breathing space and give me a CCJ . The only reason i am aware of this , is because they forwarded the debt to another court called Highcourt writ Recovery which I did receive a letter from , i…
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Unexpected impact of DMP and no car. Help!
So having had lots of savings, been good with credit for most of my adult life and buying my first house, my life and my finances started to spiral. Trying to make my first home livable with a balance transfer card and an inability to budget I couldn’t understand meant I racked up more credit card debt. I never thought it…
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CCJ found regarding PPI fees - Issued to Old address.
Hi guys looking for some help, In March 2020 I was lucky enough to receive a PPI refund
from Consumer Refund Services Limited. As a result of receiving this money we moved house five
months later right in the middle of the pandemic. Fast forward 4 years and I have recently discovered a CCJ against
me this week by CRSL for…
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CCJ enforcement time
Hi Everyone, What's the time frame after a parking offence that a private company has before they can issue a CCJ. For example if you parked somewhere in January, is there a specific time frame that they have to serve the CCJ or can it be whenever they like? Just wondering, thanks!
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CCJ dates - little confused ...
Hello - I am dealing with a letter from Cabot which states they have a CCJ for £440.00 for my wife sent to an old address ... OH is unwell so I am helping her ... They state the CCJ was obtained 05 April 2018 - so would the CCJ die off today ? or ? I know they dont die CCJs (even those unchallenged sent to an old address)…
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Link Financial - Transunion report
Hello, I need help with some statements in my report from Transunion. There is unpaid balance from Link Financial Outsorcing limited (from Shop Direct). I never signed up or used that account. According to record account is made in december 2019. But i wasnt in UK from december to february and that was already my old…
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unable to log in to the MSE credit club
After I log in, the website tries to transfer me to Experian for verification, then the page freezes with the message below. Is anyone else getting this? Does anyone have their customer email address? Thanks.
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Do I need to look through transunion
Hi all Just been looking at my credit file to try and keep it upto date. I've gone through Experian and clearscore but I also found TransUnion which I've never heard of but it seemed much more complicated than the other 2 so I was wondering if i need to go through that one too? Kind regards Mark
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Resolve call chasing debt paid off years ago.
Hello Newby here. I just had a text telling me I'm getting a house call from Resolve Call. It quotes the name I had 20 years ago, and the link is about a debt I had 22 years ago that was paid in full within a year by installments via an Allpay card. I received help and advice from the local community law service at the…
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Correct 'Authority' to investigate Identity Theft?
Hi, I recently found out someone was operating a gambling account in my name & address. While looking ta my credit file, I noticed that SkyBet were running 'Gambling Affordability Checks' on me, which was odd as I don't have an account with them. So I sent an email over and raised a complaint. Asked them to look into it.…
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Missing account on credit file
Hi, I’m really hoping someone can help me, I’ve had a HSBC current account since 2001 but for some reason it has never been reported to the credit reference agencies. I have contacted checkmyfile and they have looked into this and have advised me that there is no record of that account with Experian, Equifax or Transunion…
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My husband's banking app shows MY credit report. What should I do?
Wasn't sure where to post this... My husband and I have been together for 14 years now, and got married 6 months ago. Before marrying, our names were (using made up names for confidentiality) Alan Jones and Robert Evans. On getting married I took my husband's last name, so we became Alan Evans and Robert Evans. We already…
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Settling outstanding debts not on credit file
Hi I have some outstanding debts from 2012 for which I have been paying £1 a month ever since. None of these debts show up on my Experian credit report (which is rated good) I have been offered a settlement sum for one and wanted to know what would happen if I paid off all these debts with settlement figure, would the…
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Will mobile phone company offer a repayment plan?
I used up many many minutes of premium numbers. I am on Asda mobile and they do have a section if their is trouble, you can contact customer service, which I will. I know other companies offered a 6 month repayment plan. I racked up around £500. 300 minutes of £1.50 premium rate plus £0.15 non standard calling. I'm not…
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New MSE credit club says I have opened accounts when I haven't
It says this: You have 1 thing to work on You’ve opened a few new accounts recently You’ve opened three or more new accounts in the past six months. This is wrong, I haven't opened even one new account. Bizarrely when I go into the accounts section there are no new accounts.... It's not a problem as anything I want is…