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CCJ - Unaware and over 6 years old!
Hi, I recently applied for a mortgage to find I had a CCJ against my name (that I was unaware of...till now). The County Court have no information as it has been over 6 years so the case file has been destroyed. After some detective work I have discovered that it is linked to a car accident I had in 2007. My car insurance…
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International resident trying to build credit.
So I moved to the UK two and a half years ago as a Masters student and was essentially told by the banks that up until a few months ago I would not be building any credit. That being said I now have a non-existent credit score as I have not needed to take out loans and don't have anything but my bank card. All bills have…
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Red Debt Collection and Lowell Financial Demands
Hi, I am wondering if anybody can give me any help. I ran up a lot of debt just after I graduated university in 2006 which I never paid off, I know this is wrong and I should not have gotten myself in to that situation. However, I am now living with my boyfriend (who owns the flat) and I have received a number of letters…
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Rebuild Credit?
Hi, I finished a DMP in March this year, and have defaults back from July 2009. Im aware these stay on file for 6 years. My question is, is there anything I can do to help rebuild my credit?? Are these cards like Vanquish a good idea? And if so whats the chances of getting one? Should you wait a certain amount of time…
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Declined for two balance transfer Credit Cards with strong credit rating!
Hi, I'm confused. I filled out the pre-eligibility checker and got 90% for the Lloyds TSB BT credit card and 80% for a load of others including the Natwest card. I was looking to get a new BT card to shift debt from my existing Tesco card which is ending. I have been in my current address just over a year and it's…
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Credit Limit increase
Hello All I have a question and would be grateful to have some advice on this. I am currently using 39% of my credit limit and am thinking of requesting an increase on my credit limit. This is not to spend more but to just to reduce the utilization (obviously I am paying off as well) but also Increase the credit limit to…
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Default Notice on Bank account - Invalid
Hi, Really hope you can help as I'm absolutely desperate. I held a Student Overdraft Account with NATWEST that I didn't credit whilst moving house of September and October of 2011. My initial address was my parents but despite this I received no correspondance till January 2012 when all of a sudden after this had been put…
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letter to close defaulted account
Hi I need help I have a couple of defaulted accounts showing on my credit report while these are marked as satisfied I was told while applying for a mortgage that they are still open and I need to contact the account holder and get them closed I was wondering if any one had a letter template that would help me . Thanks in…
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Default on account by mistake - advice please
Hi there, during the summer i had a fraudulent transaction made on my marbles card, this was investigated and they gave me a new account and card, the old one was then closed. today I looked at my credit report and closed marbles account has an SF against it and it states I have defaulted on this account!!! this is…
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Loan default help!!
I took out a loan in 2006 with Welcome Finance and I was silly with money and wasn’t earning a lot so defaulted on the payments not long after. I can’t remember the last date that I made a payment but it was definitely quite a while ago, most likely 2007. I want to get rid of this debt and was all set to contact Welcome…
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CCJ and recovery for an unpaid train ticket
Hi all; I am new to this site and need some advice. I moved out of my previous address back in August 2012 and the other day just as I was about to leave for work I received a knock on the door from a doorstep collector. He said he was there to collect on a CCJ for an unpaid ticket and I advised him I had no idea what he…
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Arrangement to Pay on credit file - how bad is this for long term credit?
Hi Everyone I just spoke to my loan provider regarding taking a payment break for 2 months due to £700 unexpected bills. they have offered to do this but explained that it will mean that I have an 'Arrangement to pay' or (AP) on my credit file. How much worse is this than a late or missed payment? the lady on the phone…
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credit score improvement...
Hi guys... My credit score is shocking, last time I checked it was 380 something (apProx 3-4 months ago).... This is due to having £16k in debt and being with a debt charity since 2010.... My plan is to sell the flat we currently live in (which has no mortgage on it because I inherited it with mortgage paid off) for e.g.…
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Late payments on account
Hi there, I have just noticed Clydesdale bank have put 3 late payments on my credit report, I have a basic current account with no overdraft etc. But apparently my account went into unauthourised overdraft due to me using my card for fuel in April 2013. Its an account I dont use anymore but used the card out of the blue, &…
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Overdraft default/ apex
Just a quick one and thanks in advance for the help - my wife has defaulted on her overdraft and I have a question. Basically she defaulted on an old overdraft (she forgot she had it when we moved addresses - don't ask!) where she was £600 in the red. When it defaulted in July 2011 it was passed to APEX who tracked us down…
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Career Development Loan and Credit File
Hey all, I'll try to keep this short, I'm trying to get a CDL and got offered a fully funded place at my uni so just need living costs. When I moved into this property there were many issues with certain things such as my gas and leckie. They were overcharging badly and I went to EDF energy who took pennies from my…
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Loan app & Equifax credit file
I'm looking at taking a loan. To ensure my chances are good to be accepted I have been monitoring my credit file with Equifax. My address was incorrect with the council and so it was showing that i wasn't registered with Equifax. I've corrected that and i'm told it will be updated in October. So, 1) Should i then wait 6…
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Getting a new credit card mid way through house purchase?
As you may see from my SIG below I have various lines of credit. I am looking to use a 'money transfer card' to clear up my car finance and phone loan so I can save on the interest. Not so fussed about the phone loan, almost cleared not updated SIG recently. Anyway, I think my credit rating is plenty good enough to get the…
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partner affected by my rating?
Hi my partner and I recently put our finances together and also the bank account, now my partner wants to swap credt cards to stop the interest .... however due to my poor credit rating it's affecting the application if we revert back to separate accounts will it put my partners account back to normal I.e not affect her…
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Question regarding Name Change
Hello all I got married in July and my surname changed. I duly informed all people, bank, doctors, phone etc. I recently checked my credit files and experian are now not showing my credit card or loan, presumably because these are now in my married name. However noddle are showing all as Lloyds have reported to them the…
