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Default that should never have been
Hello everyone, Thanks for reading, I'm sure most people with a default think that it shouldn't be there. However I really feel that the debt collection agency who has put this on my credit rating really have done a number on me. So let me paint the picture, as a student i switched my mobile phone provider. I paid what was…
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Defaults
Hi All, I wonder if anyone can help me. I have a number of defaults on my credit file which are due to drop off in late 2013/early 2014. I have paid off the majority of them, but I still owe about £2000 on two of them, which im paying in monthly installments. What I would like to know is, what happens to those debts when…
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AMEX on Experian
Hi All, When I was to pay Experian monthly subscription, my AMEX credit card was showing the detailed monthly activity on my report. I cancelled the subscription and ordered a statutory report and it doesn't show anymore (it shows the AMEX has a linked address to my new property so they are there in some shape). But…
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How far back does closed account information go
Hello There was a discussion in this thread but no firm conclusion was reached: https://forums.moneysavingexpert.com/discussion/4615043 Would a lender see six years of account information prior to the date the account is closed, or six years of account information prior to the current date? In other words, if a lender…
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How can I get debt from identity theft removed or ones which are disputed?
2 issues here, one is that I moved next to a drug dealer and had a shared letterbox, during the period I lived there had a lot of credit got in my name but already had a low score due to getting credit cards when I was 18 that I did not pay back(I am now 31) Since I was about 21 I have been good with debts as far as I can,…
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Credit Defaults
Hi all, Looking for some advice please with regards to credit defaults. It is my understanding that after 6 years from the date of the original default the debt is wiped (I've heard Martin Lewis say so myself). I recently obtained a copy of my experian credit report which showed that the people I owed money to banks /…
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6 years from when to clear file?
Is it 6 years from your default, or 6 years from when is your credit file automaticly cleared? In some cases is it less than 6 yrs?
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Debt collector calls - will they affect my rating?
I had mobile internet via Three with a dongle to keep me online for a few months between selling my old house and moving into my new one. I cancelled the contract in April 2012, giving the required 30 days' notice and I then cancelled my direct debit in mid-June 2012. A couple of months later I started getting missed calls…
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Problems with o2
Morning campers - Basically, o2 Tried to screw me for data used in 2009-2010 I fought it as it was part of my package (i cannot remember the whole case) Boiled down, they asked me for money I refused, so they cut me off, which I was happy with because I wasn't being bullied into paying -I challenged it, won and didn't owe…
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Bailiffs for Previous Owner and Credit Score
I've been receiving bailiff letters for the previous owner of my property and was wondering if this would impact in any way on my credit score? It appears that his car is still registered to my address, and as I have been returning all post to sender he has not received or paid for a parking ticket/congestion charge fee…
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Mortgage with past bad credit
Hi all, next year i'll be looking to buy my first house (looking at around 10% deposit) however I have had issues in the past with bad credit, definitely got sucked into borrowing beyond my means and it caught up with me. I'm now pretty much out of debt, and certainly upto date with it i.e no missed payments - well…
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Any ideas what it might be?
I had some problems with my credit rating not long ago (4 months), to the point where I couldn't even get approved for a basic current account - this absolutely baffled the branch manager at Barclays, in the end I struggled so much that I had to actually get my wife to apply for one and then add me afterwards. The branch…
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Equifax Credit Score
Hi all, We've been applying for a mortgage over the past few months and I've been sorting out my credit reports over at Equifax and Experian. There was one default which I have settled and this show as settled on both agencies. There is another default which was an error, duplicated from the above settled one. I have…
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Best way to correct flat number / finding where wrong one came from?
I just moved and an incorrect flat number has shown up on my equifax report. What's the best way to fix it? Post / Email / phone / web? Are there any magic words I need to use for it to get through to the right department / make them do the right thing? I guess I'll likely have to do the same with all three. Will they tell…
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I've ruined my husbands credit rating, help!
Hi, Can anyone offer any advice please? My husband has just received a letter from credit card company to say he has defaulted and not paid the last two months minimum payments. This is entirely my fault as I was meant to pay it off in full a few months ago. However I didn't check the statement for the next two months and…
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Defaults/"Bad Credit" Credit Cards
Hi all, I am almost 23yo with 2 defaults on my credit report, one which says it will be reported until September 2016 with both Callcredit and Equifax, and another which says September 2016 with Callcredit and July 2017 with Equifax. Does this mean that I will have to wait until July 2017 to have good credit again? Or…
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British Telecom
Does anyone know if British Telecom now "report" accounts to the CRAs like Mobile Phone companies and Virgin Media do? Our British Telecom Account is still in the name of my Late Husband who died in 1995 and I recently got copies of my Experian and Equifax files for £2 and there are no active accounts showing. So if they…
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Incorrect late payment worth contesting?
Hi, I have just checked my credit report and noticed a late payment on there from 2011. It was caused by me paying off a HP agreement early (in full) so i could return the car prior to moving abroad but BMW tried to collect a dd payment after full settlement had been agreed and after I had cancelled the dd So in…
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How long will it take to improve credit rating?
Hi all, I want to get a car on finance, all I have on my credit file is a mortgage and mobile phone (both up to date with no missed payments), so I have taken out a credit card to boost my rating. How many months will this take if I pay the balance every month?
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18 years old and curent account
Hi My son turned 18 at the end of last year, his back account is one he has held for a number of years with the Halifax and Its just a cash card account, he works full time earns a decent wage he applied for a loan and was turned down and was told to check his credit file with Experian which he did and showed his credit…
