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Will I ever be able to repair my credit enough to get a mortgage?
I have very poor credit from getting into debt with catalogue and bank years ago that spiralled out of control until I was no longer able to even make minimum payments. I am now much more careful with money and pay all of my bills ontime. I only have a basic bank account as have not been accepted for a current one. I am…
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Tesco bank
Ive just tried to log onto my tesco credit card to check my statement. The first time I entered my details it told me they were incorrect, second time I didnt enter them but a page came up saying my details were logged and could I enter my credit card details, address, date of birth. Anyone else had this? I am dubious…
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sygma card credit agency updates.
can anyone tell me if i can get sygma to update my file manually. i had 2 cards with them which i paid off with in 2 days of each other 2 weeks ago. i shut both cards down and recieved letters of confirmation from them.i have a balance of £1 in credit with one card which i told them to give to one of the charities rather…
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Travel Cards - Canada
Shortly will be traveling to Canada. Using MSE tip recently and google for Prepaid travel cards overseas, but most seem apply to Euro, US$ or AUS$. Anyone used one for the Canadian dollar used for Hotels, Car Hire, fuel and cash withdrawals etc. Suggestions please thanks
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Equifax - Credit Agreement status
Hi guys, Does anybody know what is the best (most positive) status on the previous Credit Agreements in Equifax Credit Report? I have two old Virgin media accounts showing as 'Settled', is it bad? They always took money from my account via DD and I have never missed a payment. Is 'Settled' what supposed to show, or is…
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Which card? - given partners adverse credit
Hi, Whilst my credit record is clean my partner has a single default which is not settled from about 4 years ago (it is being paid back but the credit entry is not being updated to reflect this at all and hasn't been changed in the last 4 years). They do have a loan paid off with no missed payments and another one which…
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Halifax Balance Transfer Promo Code
Does anyone have a current promotional code for Halifax? Just I want to do a balance transfer. Thanks
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Vanquis Bank phone calls ( help need)
Hi all I wonder if you can help me? for the last few days I have bin getting phones call from Vanquis Bank. the number that keep phoning me is 01513459314 . it seem thats they are call me after 4pm ( which in very inconvenient). when I phone this number I get a message, can anyone help me on what to do and also I don't…
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Late payment fee - best course of action?
Hi, Received a Debenhams statement today which had a late payment fee of £12. I was surprised to see it and also surprised to get the statement as I'd had one the previous week for all of £6 which I'd paid immediately. It was only when I looked at the first statement which arrived on 28th June that I noticed the date was…
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Dormant Account
I have a dormant account, which, I checked online last October 2011 and found a Bank Giro Credit payment of around £500 from a large well-known company. I had not been expecting this, which looks like a refund or wage payment. I have contacted both the bank and the company to verify the payment is mine, but got nowhere,…
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Improving my credit rating
Is getting a credit card and paying it off right away the best option for improving a credit rating? Mine is quite low but my problem is that while i want to improve it I am currently unemployed. Would it be a good option to get a card and only use it for things like petrol and food i.e small purchases that I know I can…
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Credit Card Start & End Dates
Hi, I'd like to find out when i took out and also when i closed my old Egg and Barclaycard Credit Cards... I signed up for a free credit report but it doesn't appear to go back that far (2000-2003). Do you know how best to retrieve this info? I'd want them both to confirm whether i paid PPI, so i'd like to go in fully…
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A good card for spending, suggestions please
I have been closing down my credit card accounts once I've paid them off or transferred the balance from a peak of 8/10 cards to my current 2 cards. I did in 2011 apply for a Virgin and Tesco credit card but was unsuccessful, so I thought I'd ask you guys with experience and knowledge as to the best card/s to apply for,…
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Next Card. Charged twice??
My wife has a Next store card which she has run up a rolling balance on. We are now working at paying it off and got it down to a reasonable amount last month. She needed to buy some clothes for a funeral which she did on line and instead of putting it onto the Next card and increasing the balance again, paid the bill…
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Credit Card Advise
Morning All I was wondering if someone could help me. I took out a Debt Relief order in 2011 and all my debts were written off in may of this year. I am slowly trying to build my credit rating however i am still getting refused for credit cards that are for people with a poor credit history and debt. I was wondering if…
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MSE News: Double Avios points for Lloyds TSB cardholders
"Collectors with a Lloyds TSB Duo credit card can get double points this month, but they must activate the offer..." Read the full story: Double Avios points for Lloyds TSB cardholders
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Halifax Credit Card Ppeals
Hi All, Have just spoken to HSBC and was told that they do not have appeals process for Credit Card rejection. Well, they have just lost a client. I know Halifax has the appeals process, and they says that I would have to go to my branch. Does anybody know if there is and appeals department for Halifax, where I can send…
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Refunds for faulty goods & being fobbed off by credit card companies
After a recent experience I found this very useful story in 'This is money':- Can not add link as a 'Newbie'.... Claiming a refund for faulty goods are routinely being fobbed off by credit card companies! Anyone who spends on their credit card has their purchase protected if the store goes bust, or their shopping never…
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which AMEX should i apply for?
i want to apply for an AMEX card so i can get cashback and so i can separate my spending and see exactly where my money goes. i applied for platinum cash back about 14 months ago declined. would it be worth applying for a platinum cashback again or would it be better to apply for a different card i would be happy with the…
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Applying for a credit card
I want to know wot the credit card that offers the best benefits. I just checked my credit report and my score was 911 to my amazement :) The other thing is my bank lloyds tsb won't give me an overdraft becos of a CDR Data quality team marker. Don't have any lending with lloyds. Just want to knw if that will affect me…
