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I think its a good score but still rejected?
Hi there I'm slightly confused I apparently have an above average/good credit score but constantly rejected why? I have no credit history,ccj's bankruptcy or IVU's and I have never had a credit card or store card. I have two credit accounts thats not even that, I took a sofa out from DFS so its not even a credit…
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How do credit card ratings work?
I have recently got an HSBC credit card. The sole purpose was to build a credit rating for a future mortgage application. Please could someone tell me: If I spend a large amount, and pay it all off on the due date, does my credit rating improve more than if I had spent a small amount, and paid it all off on the due date?…
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Reducing catalogue limit & credit file
I have £5000 credit limit on a catalogue. I know that I will never use it and want to ask them to reduce it by half. I read in one of the other forums that reducing a limit makes you look as though you are reducing your limits in order to handle your debts better. Sounds odd to me. Why should I keep a high limit on a…
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Credit rebuilding - how many cards?
Would appreciate some opinions on this. Does it matter how many cards you have if total debt to salary ratio is low? I have two 'bad credit' credit cards which I pay/will pay in full every month (had one for three months and only just got the second one). The sole purpose of the cards is to help repair my damaged…
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Incorrect entry on Experian via Barclay Card
The problem I am currently experiencing is not a new one, but I am wondering if anyone knows whether any sort of compensation can be sought - as I type I am already thinking "fat chance". So, the scenario: We are currently trying to get a buy to let mortgage on a property which will eventually, but not immediately, be used…
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Defaults and 6 yeats
Hi, Just wondered if someone can help with the below query I have. I have the below defaults I was just wondering when they drop off my credit file, all the details below are from the Experian website. I am hoping to start looking at getting a mortgage next year. Deafault 1 Bank Loan Deafaulted - Sept 2009 (£7333) Settled…
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Inventory & credit check fee - flat in Scotland
Hi, son is 19 yo student and he and 3 friends may enter into a letting agreement with a large Aberdeen company. I've just looked through their small print of the application they've sent him and two charges I'd like to query (a) "we agree to pay the half share of the fee from the Inventory Company for independent inventory…
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Letting Agencies Revisited...
Hoping that James will see this..! :) "Credit Check: We will carry out a detailed credit check, including research into any unpaid loans, credit card debts or previous debt problems. Based on the results of the credit history check, we may recommend that a guarantor be requested before you rent a private property to the…
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Is this an error or fraud??
Checking my credit file and there is a mobile phone contract showing as started 1999 with Orange at my old address (not lived there for 8 years). Now, I did have a phone contract at that time and at that address but it has long since been closed. The odd thing, is that it is showing my name at my old address and that this…
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Linked Address
Hi. How can i get rid of a linked address? ive not lived at the address it has me linked to in over 12 years. Is this even possible? Many Thanks Janette x
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Is there an accepted minimum period to keep accounts open for?
Hi all, In October last year I successfully applied for a Capital One credit card for the 5% cashback for 3 months. I no longer need the card. Obviously I do not have a credit score or credit rating, but when being scored by lenders in future would they look at an ideal minimum length of time that my accounts have been…
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Late Payment/Delinquent Account
Hi, I had two seperate accounts that I made late payments on in 2007. They were both settled in Sept 2010 and marked a 6 - Late Payments. I understand that these will take 6 years for them to be removed from my credit file but should it be 6 years from when they were marked as late (2007) or from when the accounts were…
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Delinquent Account
Hi, I have 2 delinquent accounts on my credit file. They were settled in Sept 2010 and both show as 6 on my experian report. How damaging are these to my credit profile? I do not have any outstanding credit.
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Excellent Score yet rejected..? HELP PLEASE
So myself and husband tried to get a credit card with Santander and both were rejected So we bought both agencies credit checks and our scores were 977 and 998 with credit expert (which Santander use) Both Excellent Are also excellent with Equifax I took the report along to the Santander manager and he tried again and I…
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Student Overdraft & Credit Rating/Score
Hey all, I have set-up a student current account with an overdraft of £1000 per year at a high street bank. My course is 5 years long. I intend to use the interest-free overdraft in an Instant Access Cash-ISA (2.0%). The bank has told me that I can repay my overdraft a year after I graduate without incurring any interests.…
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Noddle Credit File
Hiya Just wanted some quick advice for my mother really. I signed up to Noddles free credit report and so far have found it very useful to keep an eye on things. I suggested it to my mom and she wanted to join to so she could review her credit file, however when I went to put her details in online it asks for some card…
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Natwest default on current acc
Hi DH is in a dmp with Step Change (CCCS) things have been going well 3 yrs down line. However Natwest have just slapped a default on his current account which had previously been running fine under an arrangement to pay with the dmp. He has had no correspondence from Natwest to say that they were filing a default notice.…
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Poor credit score
Hi all, I contacted Natwest in Jan 2012 with financial difficulties. I signed up with CCCS and they took monthly payments from me and attempted to distribute to Natwest. However, CCCS kept saying payments were being rejected by Natwest due to incorrect account details. I asked Natwest to clarify this situation so I could…
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Credit Rating Change confused
Hello All I would like to have advice regarding how Experian makes changes to credit scores as I am a little confused. Earlier this month I checked my credit score which said I was on 733 and on the "Fair" scale. I checked today again approximately 10 days after that and see that the score has gone to 719 and hence to the…
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advise on default
hi all i was very bad with money and now in the process of sorting myself out. I went on DMP in September 2010 and has a few defaults issued early 2011. rightly so. However i have one issued by company A in February 2012. I have wrote to them on four occasions asking why i was not defaulted when i went on DMP or within six…
