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Negative on Credit Report: Payments on credit not reduced recently
On my credit report it suggests that it is a negative if you are seen not to be reducing out goings to credit. Perhaps an Experian or Call Credit or Equifax agents could advise on the following: 1) If you use a credit card to pay for things but pay it in full will this affect your credit rating 2)If you are paying a loan…
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Default still showing from 2 years ago :0
I have noticed a error on my credit report that was settled two years ago. I didnt notice until last month when i checked my credit report due to being turned down for credit, i contacted the company concerned and asked for this to be removed, to which they replied it will be off within a week! but this is still on my…
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Credit score 324?!
Been a bit bothered of late by the troublesome phone calls regarding financial matters,ppi and the like. Today I had a phone call regarding a loan I was turned down for. The guy was genuinely surprised that I have not applied for a loan. Off to Experian for a free report. Here is my situation. Mortgage settled, one credit…
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Default on Credit File
Hi Everyone! =) Brand new here so forgive me if this has been asked before but I couldn't really find a straight answer to what I wanted to know... Basically, I have a default on my Credit Report from an old mobile phone contract. From what I've been reading the default will stay on my report for 6 years... even if I pay…
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Help please... on an Experian credit report
Hi all I am having some enquiries/issues about my Experian credit report, so just wonder if I can get some advice here... I joined a 30-day trial with Experian 3 weeks ago. The reason behind it is because I was applying for a personal loan but then I got rejected by the lender. The lender sent me a letter to inform me the…
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Ccj help
When I bought my house part of the contract was that I had to pay service fees to a management company. I've always paid this by DD and on time. some how and I don't know if it was cancelled by them or by mistake by me, but the DD was cancelled. I received the annual statement at the end of jan as normal and thought…
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I could do with some advice on something hopefully straightforward..
Hi all, I've been pottering about on here for a while now, mainly looking at ways to be better with my money but for the first time ever I just checked my credit report and I'm confused and concerned. I'm hoping someone might be able to offer some advice!:o 7 years ago (Ish) I opened a bank account with Halifax. I was 18…
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Wrong address on Credit Report
Hello guys, I need some advice please! In 2012, my wife took out a mobile phone contract using her mothers address, as we didnt think her credit rating would be high enough and we werent on the electoral role. We thought nothing of this until recently, when we have been checking our credit reports as we are thinking about…
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joint account with poor creditor
I wish to help my partner regain there credit rating. My question being, If i was to open a bank account in joint names would it effect my credit rating? Would I be judged on their history as our names would now be linked financially? Many thanks in advance.
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Does applying for savings accounts impact on credit file?
I know current accounts do, but does savings account? Reason i ask is we'll soon (hopefully) be looking to take out a mortgage. I have 35k in a Santander eSaver earning 3.2%. I plan on shifting £20k of this into the Santander 123 current account when the rate expires on 11th June, which leaves £15k. Having a look, the best…
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Unrecognised search
I have looked at my equifax credit report this evening, and there was a credit search made by Sygma bank (creation finance ltd) on the 3rd April. I have been very careful this year not to apply for any credit, and certainly havent applied for anything through creation finance. It is not on my noddle (call credit) report,…
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How can I get out of my O2 phone contract
Hi I was wondering if anyone had any adivce on how I can cancel my o2 contracts as I am leaving the country and they have said I need to pay in full the remaining 6 months. I have my house phone with them and 2 mobile contacts which are on Simplicity. Thanks K:)
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Arrangement to pay
Im looking for more information on arrangement to pay on credit file. I defaulted on several accounts, last default is registered until may 2017 but two accounts were not defaulted. One credit card is closed (active on credit file) but I need to clear balance and getting charged interest but showing ok on credit file each…
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Turning "bad" debt to "good" debt?
Hi all. Hoping someone could help... Currently I'm paying off old loans through a (free) Debt Management Company after getting into trouble when I was younger. These debts are due to be paid off in around a years time, and the interest is currently frozen on them. However, as they've incurred missed payments in the past,…
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Will closing recently paid-off cards lower my score?
Hi guys I've been lucky enough to have been able to pay off all 4. Of my credit cards with help from my family. Will closing the accounts harm my credit score? The last couple of months were quite rough payment wise, and I already had some late payments. Thanks in advance!
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Default on credit report from 2009 - unfair? help!
Hi all, I'm after a little advice. My partner were I are planning on buying a house next year and I have recently checked my credit report and score to see how things are looking....not good! In 2009 I was issued with a default on a bank account for an overdraft that went overlimit and then charges were applied. However in…
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does a late payment damage credit rating?
does a late payment of one day damage your credit rating, A friend has told me that she did not have the required funds when the direct debit was due to come out, (for whatever reason) but then put the money in and called them, to explain and pay it. as it was only one day late how much damage will it do to her credit…
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Help please removing 'unfair' defaults?
Dear All, I am a new poster to the forum, but would really like some help with removing unfair defaults from a Halifax Overdraft. In January 2013, I contacted Halifax regarding entering an interest charging period on an old student overdraft (my husband's but I deal with all the finances). I explained that at the time we…
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The No Win No Fee Brigade
This forum has brought to light a number of cases where data sent to CRA's is incorrect and has had an impact on the person including life changing financial commitments such as mortgages. Surely this is an opening for (significant) compensation and seems to be a missed opportunity for the No Win No Fee firms. We already…
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SHOCKING! Still shows money owing on old bank accounts! HELP!
Hello all, Just received my credit file back from Experian and found that I have THREE current accounts all with default balances! Natwest Current Account = £837 Santander Current Account = £496 Lloyds TSB Current Account = £1084 All balances were accrued between 2009 and 2010, which matches up to a period of mental health…
