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How long do 'notice of corrections' stay?
I have checked my equifax online, and am waiting for my experian one to come in the post, however, on my equifax there is a notice of correction (apparently registered by me - which I didn't), anyway how long does that notice remain on my file? The correction mentions that my IVA was removed from the insolvency register.…
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Bank account credit check
Just a question that popped into my head yesterday, why do banks perform credit checks for accounts even when you are not applying for any actual credit?
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Harassed by Moneysupermarket
I can't seem to shake off money supermarket from spamming me and sharing my data. I've complained to them numerous times and they've said they cannot find my email address but yet I keep getting searches on my file leading back to them and newsletters plus over 50 spam emails a day. I have tried to opt out from the site…
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Default Question re Dates...
Hi there, After a looooong time things are on the up, I hope, and on checking my credit report I seem to only have two bad accounts remaining. The usual story applies here, bad decisions leading to bad debt leading to bad problems and so on... However I entered an IVA in 2005 completing via a full and final in December…
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Advice on how chances of a mortgage
After a (financially) mispent youth I think my credit files are looking the best they've ever been, although I may not be the best judge of that. At 37, and in a long-term relationship we'd like to think about getting a mortgage. At present I've got 3 defaults on my file. Two are satisfied (both credit cards - Capital One…
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Another Lowell question
Apologies. Anyone know who Lowell use in Nottingham, even better a telephone number? I had a letter from them but seem to have lost it!!! Thanks.
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Improving rating with defaults
Having just reviewed my CreditExpert report I'm really hating myself right now - for silly and naive reasons I have three defaults from the past 18 months on my credit report. All for less than £130 but all nearly paid off (£88 going out next month then ALL debts are gone) At the time I was working pt, I'd just had my…
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V.old large debt with Lowell - but it doesnt show on my credit file
Forgive my naivety but I'm new to this website so I may not make much sense at first... Hoping someone can help!! I have a large debt from a 9 year old HSBC loan account (took it out in 2005). Its been with Lowell Financial for what seems like forever (a good few years) and I currently pay them £26 per month. I also have…
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Capquest default - when does this clear?
Hi all, I've read through threads to try and get the answer I'm after but I'm not sure anyone has the same situation as me! Background: At Uni I had a Natwest bank account (among others!) that had a £1000 overdraft which I used up. When I finished Uni and moved back home Natwest had sold the debt to Capquest and they were…
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Are Equifax talking rubbish?
Hi all, I went bankrupt 6 years ago and have defaults on my credit report relating to my bankruptcy. The 6 years have past and Experian and Call Credit both updated the next day after the 6 years. My files look great now, well apart from Equifax. Funnily enough Equifax removed my bankruptcy a few weeks early but they have…
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previous history at address
I'd like to understand how an address I am hoping to move to may affect my credit history......... The address was rented out to people I know have likely bad credit but don't want that to affect my credit. Is there anything I can do? I havn't moved in yet
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sooooo Confused ?
Please can anyone advise me on the following my husband recently called credit expert to ask why they have still been taking £10.99 per month from us when we had cancelled with them back in march 2010 (we only discovered that we had still been paying because we have recently started using internet banking) Credit Expert…
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Statutory credit file & Creditexpert.co.uk differ
I have been a member of CreditExpert for ages. I recently ordered a statutory £2 credit file from Experian to check they were the same. They are exactly the same apart from a previous address. On my statutory report it states only one linked address. On my CreditExpert account it has two linked addresses. (The second…
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can someone help please, abit of a weird situation
UPDATE IN MY MOST RECENT POST basically, years ago (1996), my dad signed up for a phone contract over the phone, during the days when people were still getting lots of calls with people trying to sell phones by phonesales. at the time he made the contract i was 15. but he used my name but ever so slightly changed, so for…
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Removing a default
I have a default on my credit file dated Oct 2008. The catalogue account was opened in Dec 2003. I never ordered anything from them but they claimed to have sent me one of those 'we think you'll like this and if you keep it you pay for it otherwise send it back and nothing will get charged to your account' item of clothing…
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Unused credit - does it affect rating
I have a credit card with a £17k limit that has not been used Is it better to close this or leave it open to show future lenders what credit is available to me and the fact that I have not abused it Not sure whether having unused credit is a good thing or counts against you when applying for new credit
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Credit rating
Hi everybody, I applied for a loan (1st time ever) today and only car giant would lend me money but with very high interest. My bank where I get paid a salary of about £1500.00 refused. What I found out is that I am not registered on the electoral roll and I have some money (£300.00) I never paid from a cancelled car…
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Will banks advise on a loan based on credit report rather than a full check
Hi all, Anyone know if its possible to take a copy of your credit report to a financial institution and get them to look it over and make an assessment of your affairs to check eligibility for a loan...before they put it on the system and cause a permanent scar on your file? If that makes sense?
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Driving Licence Address - is it linked
Hi there, I am planning on moving in with my partner and was wondering if I change my address on my driving licence, can bad debt find me? My bank account is at my parents address where any letters go if I don get any but wondered if I change the address on my driving licence, does this flag up anywhere to banks etc as I…
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credit check for £2...
I got declined for a credit card over Xmas, i wont to apply for another one but i want to run a credit check first. I used the free trials a few years ago with experian and equifax, I just logged into them but i cant find the £2 check that MSE says is available. experian want £14.99 per month. have i got it wrong? do i…
