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DMP or Electoral Roll
Hi - I have been on DMP for the past 5 years and I am not on the electoral roll. I have applied for an Amex card and was rejected, so that made me wonder as to what could have a heavier weight with credit assessment: being on DMP for the past 5 years or not being on the electoral roll? Purely speculative, I am not going to…
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Updating addresses
Some of the creditors I defaulted with back in 2009 / 2010 etc all have my old address still. Should I update these with my new address? All my current creditors have my new address. Will this be affecting me in any way or could I just leave it?
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mobile providers who report full payments to CRAs
Hi, I'm new to the country and trying to build credist history. Which mobile phone providers report full payment data to CRAs? (so not only missed payments or defaults, but full monthly payments) I know Vodafone does repoort full payment, is there any other provider? O2? 3? Thanks!
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Once bad credit has dropped of your credit report
In the past I have had numerous defaulted accounts and a ccj on my credit file. Pretty much everything has now ran its course of 6 years on my credit file and has dropped off including the CCJ. I am wondering where I stand with the credit that has dropped off as I have had numerous accounts that I stopped paying 6-7 years…
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My credit rating....
Hi all I looked at my credit rating a couple of months ago & its poor. I know the reasons why, I took a couple of payday loans & am paying the price as I was desperate & put them into a DM company. Ive managed to get a grasp on things & I always make my payments for existing credit (i.e phone, car insurance etc) & am…
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Overlimit and Credit File
Hi All, Hoping someone can shed some light. A few days ago I went over my credit limit on my Barclaycard. Once I realised this was promptly brought back into the green. This is the first time I have ever gone over the limit on any credit account. Will this be shown on my credit file, as a missed payment etc or am I being…
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Late Payment/Default to be applied on Credit File
Long time lurker on the boards making a first post, apologies in advance for the long winded message. I am seeking some advise with respect to late payment/default flags which (if not already applied) are due to be added to my wifes file held by relevant agencies. My wife has signed up to Experian and is awaiting pin etc…
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Default, post Bankruptcy
Hi I am hoping someone can shed a little light on my dilema. My husband and I went bankrupt in July 2009 and discharged by July 2010. I have recently applied (via Noddle) for my credit file. I notice I have several defaulted accounts showing. The reports started in september 2009, and have continued updateing as default,…
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Credit Files Not Showing Car Insurance
Good morning, Just wondering if someone can enlighten me. I have just paid to have statutory credit files shown by equifax for myself and my partner. My partner has got a car and insurance in her name (and me as a named driver) and the monthly fee comes out of my bank account. However, this does not show up on my credit…
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Can a name change mean credit declines?
Hi all! I'm hoping that your experience might be able to put my mind at ease... I've just applied for a balance transfer credit card to move £950 of outstanding debt but was declined, something that's never happened before! I do have another card with £2250 on it too (that's joint with my husband) but that's still in the…
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Not Known Company on Credit Files
Good Morning, Hope somebody can help me out. Myself and my partner are looking to get a mortgage so therefore we have checked her credit file (£2 Equifax Statutory Files). We have noticed that there has been an account opened in October last year and settled in April this year, from "Mail Order Agency from Shop Direct…
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Help with old default
Hi there, I wondered if anyone could advise on the following. Apologies in advance if it’s a bit long winded! I have recently had a default removed which was issued by RBS on 01/12/2007 as they agreed it was applied incorrectly. Experian have completely removed the account so there is no record that I ever had an account…
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Anomalies on my credit report+ advice on credit repair needed
I've just received my Experian credit report and it says I am not on the electoral register. I've been registered on the electoral roll at the same address for 9 years now and always return my forms in time. Equifax has the correct electoral details. Do I have to wait for 28 days for them to update it? SHould I put a note…
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Need help about financial associates
Hello basically I signed up for a credit report this evening and I noticed it says " financial associates " then "Mr so and so" (not mentioning names, anyway It says a date at the side 21 jan 2013. So.. I actually know this person it's my sisters boyfriend. What I want to know is how the hell has he got there because I…
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Default for £12
I had a default for £12 in August 2012. I paid off the cost in May of this year (it was about £100 due to unpaid DD charges). Is there any way of getting this default removed as it's such a small amount of money? I am thinking of writing to the company who put the default on my file (Lowell Portfolio), but I don't know…
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Default Assistance Needed Please!
Hi! Any help with this is greatly appreciated! I had an account with Natwest back in 2009, it became overdrawn and I had thought it was paid off. When I received a letter about the overdraft from Natwest I went down a paid a cheque in and clarified that the situation had been resolved which I was told it was. The cheque…
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how fast can i rebuild my credit rating?
Any tips much appreciated
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13 weeks to go
and then my 1 and only default drops off phew credit file is looking good after getting accepted for 0% car finanace (Santander) , my cc limit has shot up to 15k 0% for 23 months (not even going there) so 13 weeks left in default and seems like banks are now ignoring the default never again a default the early days of the…
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26 & New to CREDIT!
Evening all :) It's good to be a part of a savy community indeed. Now, to business. I have been lucky to avoid debt at all costs. However, this is now having detrimental issues to myself. I finished a 6 years masters degree in Accountancy 2 years ago and work in a professional position with an insolvency firm. So being…
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Halifax mortgage process how long
Dear all, Myself and my partner both have completed a full mortgage application with Halifax and have paid the valuation fee a week ago. I just wondering how long would it takes for the mortgage to be approved? Also will there be any possibility that it come back as declined? I am very worry about it because we have been…
