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credit report questions
Hi All, Im trying to improve my credit report and I've signed up to Credit Expert for a trial. I'm looking at my report now and a few things are not what I expected... 1) Financial Associations - How can I remove a financial assosiation with my Ex Wife? We shared a joint bank account pre bankruptcy, but there is no longer…
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Building my credit rating - 1 vs 2 credit cards
Hi Im a 20 year old student at university at the moment and will be for another 4 years! I have already thought about starting to build a credit history for myself so i applied for a credit card - tried to get a student one from my bank but was refused because of my credit rating (found it a bit odd a credit card aimed at…
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default help! dispute with bank so unfair
:mad: hey guys I am having a major issue with my mortgage lenders and could do with any help or advice as im not sure what to do now I changed my job and was told by the new employer that I may not be paid for the first month so me and my partner thought what if we can't pay the mortgage for a month, we phoned our provider…
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Help need with companys addresses
Hi I have recently checked my credit file and see that there are 4 defaults still showing on it which I need to have removed. My bankruptcy ended in 2009 and these are still showing as active and not satisfied. Can anybody help with address who to contact to get these removed companys are STYLE finance, Hillesden…
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How long until un apaid CCJ is removed from credit file?
I read on another thread someone say "the ccj stays on your record for 6 years however it stays active until the debt is paid." Well I was under the impression that the CCJ would be wiped off your file after 6years even if t was not paid off? I thought if your on a very reduced income the court won't make you pay more than…
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Something very strange is happening! :j
Due to my stupidity when i was younger, ive had a crap credit report for years, so bad infact that i cannot get a basic account in most cases, or even bad credit loans, or anything. I have around 8 accounts on my report which defaulted and were paid off in full a couple of years ago, however again, since then i've had no…
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Credit File Help!
Hi, I've had a few defaults on my credit file over the years. Things like an unpaid utility bill, overdrawn accounts etc... all amounts to about £8K My problem is and always has been, I can't afford to pay ALL the debt off. I can pay some off, not all. I have a very low paid job and life is hard enough with the little…
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Recording the original default date
You may find that some debts get sold on to third parties. They should still record the original default date. If they do not and try and say you defaulted again, you do not want the 6 years to start counting down again from the later date. How do you prove the original default date was from when the 6 years should start…
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Default
Hi,My Daughters boyfriend has received a visit from the Bailiffs regarding a unpaid mobile phone bill.I understand the bill has now been paid.I presume because of this he will get a default on his credit file for six years.Will this affect my Daughter in any way and does she need to take any steps to limit any damage to…
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how long for bad credit rating?
I am paying off my debt with Steps (formally CCCS) and wondered, does my credit rating stay terrible for ever, until my debts are paid off (25 years) or is there a limitation thay stay on record?
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Barclaycard 6 payments late
hey guys i have recently obtained my credit file and have an entry on there from barclay card that i had when i was 18 years old the account was started on 23/03/2005 i havent recieved a letter from them in over 4 years i forgot i owed them the money, however it had never gone into default and is still reporting as 6…
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How bad is one late payment?
My partner and I are planning to start the mortgage process in a few months. I have a pretty spotless credit history, but my partner made a late payment on a card a couple of months ago. He paid it as soon as he realised - it was silly absent-mindedness that caused it - which was a day or two later. As far as I am aware…
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Defaults - natwest bank
In 2012 Natwest Bank incorrectly put a default on my record and it took me months to get them to remove this. It was only because of some paper work that I had, the bank agreed to remove the default. This year Natwest have kept on adding the default back on my record for no reason what so ever and they even sent me a…
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Credit Score and Available Credit
In the next month I want to take out a personal loan for 7.5k for 2 years. I have never had a loan before and I have a fair/good credit rating. I earn £35000 and I have the following cards: Credit Card – £4500 limit. Pay off the £1000 balance tomorrow. Credit Card – £2500 limit. Pay off the £500 balance tomorrow. Overdraft…
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"Administration Review" on Noddle
Hello, I just sing up for Noddle. Looking at my searches history I can see several entries from price comparison websites with the description "Administration Review". Why is this happening ? Do they do a search everytime I browse - even I don;t apply for anything? Does this affect my credit rating ? Thanks, Nick
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Credit Expert Report
Is it just me or is this strange. When I look at my credit report it states the following 2 things. The number of credit accounts you are using is high. (I have 1 LOAN, 1 CURRENT ACCOUNT (with Overdraft), 2 Communications (mobile and home phones), 1 Fixed Term Deferred Payment.. which was for a Laptop on 12 months interest…
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Getting back on track - Need help with defaults though
Hi Guys, I am now finally in a position to clear the last two debts I have outstanding, however before doing it, as the defaulted accounts are with DCAs I have read that some have had success in having defaults removed by the DCAs when offering full settlement of the debt - Is it worth me trying this and any advice on best…
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Does getting married increase credit rating?
I have noticed a considerable uplift in decent offers since I got married is this a coincidence? Not that I am advocating people get married to increase their score just it has occurred to me as the only thing that has changed in my life :)
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0% card pre-apply eligibility checker shows 90% and I was rejected - please help!
Hi everyone. I am new to forum but regularly use MSE website for all kind of advice. I need to buy small old'ish car for my wife and though 0% credit card will be the best option as paying it of within year would be no problem. I already have Tesco 0% which I have used for 14 month and managed to pay it off on time. 0% on…
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Credit search
Hello Applied for a mortgage and noticed that the company did a search every week for six weeks, is this necessary and how much does this effect my credit score, just seems a bit odd. Many thanks Steve
