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How to improve credit
We arre buying a property that won't be built til next October. I want to do as much as I can to make sure our credit record is at its optimum. When checked my partners bank has put a couple Codes of AR on my partners credit card what does that mean? How long does that stay on credit file? We need to save as much as we can…
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Callcredit
I have obtained two credit reports today for the first time in my life. One from Experian and one from Equifax. I started to apply for my report from Callcredit but they are trying to charge me £12. I understood the statutory report should only cost £2, like I was charged by the other two. They would appear to be either…
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First Time Buyer but Will I be able to get a mortgage?
I am 24 and am aiming to be in my own house by the end of 2014. I am single, so the mortgage would be solely in my name and i would be looking at 2 beds around £65000. Getting a 10% Deposit for the house will not be an issue as next year I will be able to sell some shares I have purchased through my employer. My only issue…
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Credit Report and paying off credit cards
Hi I just wanted some advice really please. If we reduce the balance on our credit cards, does this improve you credit score and by how much please? Is it a little amount or a huge amount ? We have one loan and 2 credit cards, all maxed out and are trying to improve our credit score, it is saying we are using 100% of our…
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Question regarding Credit File
Hi all, I have just signed up for Experian as I am currently trying to re-build my credit score after a few years of bad debt as my partner and I plan to buy a house. I have been doing some digging and I have learnt that Credit Agreement info (which is the only thing showing as a problem on my credit file) will stay on my…
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% credit used on experian
Hi Is there an 'ideal' figure for % credit used. At the moment mine is way too high at 73% used but i am paying off debt quickly and was wondering at what point it would become 'acceptable'. I did a google search and it looks like 30% or below is preferable????
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Blonde moment re credit file/score
OH and I have recently been turned down for a loan by our own bank (for some home improvements). They said that it was nothing to do with our credit score, but with our 'account management' - after some investigation, this turned out to mean that they took exception to the fact we have (and go into slightly) an agreed…
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default
Hi, I'm sorry if this has been asked/answered but I really need some help, for the interest of keeping it unbiased I will not name any banks involved. However if you wish to know in order to better answer my question I am happy to respond to a private message. I have a default on Student Current Account for an unpaid…
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Hbos credit card default
Hi all, looking for some advice RE trying to get a default removed from my credit file. I got a HBOS credit card when I was 18 (4 years ago-big regret now!!) because I paid any balance off in full, within 12 months they increased my credit limit from £1600 to £4600. I did increase the balance on the card as I moved out of…
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Late payment
Hi, I purchased an item on Very and then returned this but unbeknown to me the delivery charge still remained. As I was not made aware this remained, I then went away with work not realising that this was being recorded as a late payment on my credit file. I returned from being away with work and discovered the letter from…
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Credit file
my husband and I are looking to buy our house, we have been told we can't get a joint mortgage as he has one default on his credit file which we are paying back and now owe £600 on it. We told the financial advisor we seen that we would clear the debt today but he said it would still stop us from getting a joint mortgage…
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Way toooo many credit file searches
Hi all, newbie here so please be gentle, somewhat wet behind the ears too when it comes to credit files etc and my my I've learnt a lot since I've been reading this board, my question is I've recently applied and been accepted for (largely anyway) quite a few different credit cards new bank accounts with overdrafts etc but…
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Orange Contract from 2001
Hi guys, I have recently been trying to get my credit score fixed after a "friend" successfully ruined my Current Account with Natwest and gained me a nice default in the process. While looking through my report I noticed a mobile phone contract from 2001 with an outstanding balance of £156. Now the truth is, I has…
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has there been a change of law regarding statute barred debts recently?
I'm sure I remember reading an article in the last couple of years about debt companies being able to ?renew? debts without a court order rather than them being removed from your credit file after however many years... I'm googling now trying to find the article, but does anyone else remember reading this? It might have…
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CCJ 'Satisfied' but still can't get credit card
I lost a (no win, no fee) case at court and because the insurance company I had taken out a policy with in case I lost (ATE - After the Event) refused to pay - I had to pay the £10,500 costs to the other party and I had a CCJ put on my credit file. I paid this within 2 months and it is listed as 'satisfied' but I have been…
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credit file history mistakes from provident
Hi all, I have been checking my credit file recently and started paying off my debts, as being self employed, a bad credit score is affecting the growth of my business and costing me more to run as in im trying to lower my overheads. During checking my credit file, over the past 5-6 years I have had provident loans, I had…
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Late payments v defaults and linked addresses
I would be so grateful if somebody could clarify the following for me :) 1. If I have late payment (up to one month marker) on credit file - is that a default or are defaults only payments missed altogether (if that makes sense?) 2. Also, my online Equifax report does not show linked addresses (which is a good thing for…
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Credit report help
Hi all, Ill start with the long story short. 3 years ago we found out my mother ran up debts in mine and my brothers name. He reported her and I didnt (I'm the dumb one) I avoided credit report sites for fear of finding more debts that I didnt know about. Today though I finally signed up to noddle, sadly I found one debt I…
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Credit Rating Questions
Hi, Long story short: old relationship, mixed up finances, heavily in debt, got defaults, split. That was just over three years ago. And now to today. I have had a job for two years (I'm a teacher on top of my payscale), I have paid off all the defaults and have not applied for credit since the split. However, as life…
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Challenging a default
Evening all. Ive just signed up to noodle after reading about it on here. I was having a nose at my closed default but settled accounts. Ive noticed the Barclays plc have placed a default on my file almost 2 years after I entered my dmp. I'm not saying I don't deserve the default, I do, but applying it almost 2 years later…
