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Excellent credit rating but getting refused
Hi all I'd like to get a 0% spending card, to cover a car service that I know will be around £500 next month. Yesterday I did the MSE pre-elegibility checker and it suggested I had a 70% chance of being accepted for the Fluid 16 months card. I did THEIR pre-eligibility check on their site (which won't affect my rating) and…
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How long to appear?
I opened a joint Nationwide flex direct current account with my wife in March and it has still not apperared on our Experian and Equifax credit reports - only Call Credit seem to have got it! Any ideas how long this should take?
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Credit score - please help!
I really really need some help with regards to my credit scoring! I only have 2 creditors, a loan and a credit card. In September 2011 I went on Maternity leave and was contacted by a company called Harrington Brooks claiming to consolidate my loan and credit card and stop the interest. I had more important things to worry…
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Credit rating dropped massively
I've just had an alert from Credit Expert notifying me of a change to my credit rating, on logging in I see it has dropped 100 or so points from being well seated in the good area down to fair, the problem seems to be with a new mobile internet contract I took out last month with Hutchinson Telecom (3) which is a rolling…
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Equifax can't even spell
When Equifax close a support call they send out an automated email telling you it's closed a la "Surpressed"??!! I can't believe a company the size of Equifax can make such elementary spelling mistakes in an email subject title that will potentially go out to 1000s of people (anyone who has ever queried their report…
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Previous Searches - Caution.
Hi all, I've just logged onto my Equifax online credit report, and the ten icons on the right hand side, which are normally green, one of them which is the "Previous Searches" has just turned to yellow. Of course, I'm aware that happens when you search your credit file a number of times - its there to warn you to stop…
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Equifax - Electoral Roll
I have been reviewing my statutory credit reports. For a while I have only used Noddle, which shows no issues and is clean across the board. Following a loan decline a while ago, I have decided to try and find out why. Whilst reviewing the statutory report, Equifax had a big red square which shows that they don't have me…
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Disputes
Have checked my report and I have a ccj which has been paid off in full but it doesn't mention that its been satisfied, should this be the case? Or should I speak to someone about this and if so who. Also my overdraft I am over half way paid but shows the full amount outstanding, should this not show that I have been…
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Compensation query
Hi, I am looking for some advice on whether I should accept a compensation offer I've been presented with or whether I should go to the financial ombudsman to pursue: In July 2012 I applied for a Santander 123 credit card and was declined, so I thought I would look into my credit file. To my astonishment I found that the…
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incorrect figure on credit file default.
Good afternoon, Just want to get your opinion on a default on my file. This credit agreement was with welcome finance, I excercised my rights to volintarily terminate the agreement and this was eventually accepted by welcome finance. This was under termination:your rights you have a right to end this agreement, to do so…
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Buy Now Pay Later..!
I have a bad credit rating and wanted to buy some items through Studio but wanted to pay when I ordered. I contacted Studio and was told that they are a credit based company so can only accept orders from people that have accounts, is this even allowed..? We've lived through a very difficult time due to debt related…
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Credit file & change of name
I got married a year ago on Monday there (yay!) and changed my name. Under my old name I am in a trust deed for some silly debt run up while I was a student. This is due to finish in August this year (1 more payment - woohoo!) and I just ordered a copy of my credit file to check that the defaults were on from the correct…
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Credit Score
how long will it take for my noddle credit score to improve . I haven't been behind on anything for over 12 months but did have a few Wonga loans but haven't had 1 for over 4 months and I wont need 1 again
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Why the declines?
Hi everybody, After checking Experian (statutory report through post), Equifax (free trial) & Noddle, I am not totally sure why I have been declined for some applications. My Experian report, and my noddle report look fine. Loads of greens/0's. I do have 3 number 1's (where I've paid literally a week late) over the last…
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credit ratings- improvement
hi all, so I think I got a bad credit rating, I applied for an asda credit card and got rejected. Not sure why, I dont think i have any other lines of credit and all my bills/direct debits etc are paid on time and in full. I do have contents insurance that I pay monthly for and this company tell me its a form of credit but…
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Help needed?
Hi. Im trying to get a morgage on my council house and have encountered a problem. Several years ago i signed up to credit expert, it was £6.99 at the time and if you clicked on report it charged you another £5.95. i opened the account with a lloyds account i hardly used and had no overdraft on. I had £7 in when i realised…
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Thoughts on my improvement plan
Good Evening, Just looking for any thoughts on my improvement plan for my credit report, but first, a few facts: Nov 2012 - Signed Scottish Trust Deed which became protected, which included defaults on: 3 Current Accounts (Overdraft) 1 Personal Loan 8 Credit Cards Since this, I have today reviewed my Experian and: 2 CCs…
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Credit Expert says I've signed up with them before; but I'm 99% certain I never have
Just tried to sign up with Credit Expert to have a peek at my credit file in their 30 day free trial, and it claimed I have signed up before. The only service of this type I can ever think of using was Check My File, and that was a long while back. I tried their forgotten details page, and that can't match my details when…
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maybe a silly question - defaults
hi im applying for a mortgage tomorrow and im reading so much about defaults on accounts. this may sound stupid but if you had defaults it will show on your credit file, ive checked mine and have what looks like none, theres alot of zeros for every year on each account which from reading assumes it good. If i had a default…
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Should I get a credit card?
I have just turned 18 recently. On my birthday I got a phone contract. I was turned down for Orange and also T - Mobile but I got one on Vodafone. The contract is for two years so I have a direct debit coming out of my account and also another direct debit coming out of my account for the insurance for the phone. I really…
