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Will Reducing Credit Card limit effect rating?
I asked my credit card company to reduce my late recently and they came back with this advice: "We are able to reduce your credit amount but be warned - other companies will not see why your amount was reduced you and this could effect your credit rating" So I wanted to know if this is the case or whether they are doing…
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DMP and credit file for new job
Hi, I have recently had a second interview for a new job, however i have noted that they will also do an experian identity and adverse financial check on me. I have a pretty bad credit score, but with only defaults, no CCJ's or Bankruptcy or IVA's Im just on a DMP paying a large sum of money a month but never having missed…
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Selling on a debt
I am new so forgive me if this has been covered before. I completed a full and final IVA in April 2010 and since then have had continual problems with banks either not amending my credit file or deciding to resurrect the original debt. The final straw was when I received a notification from Equifax at end of July and found…
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to many accounts in deafult-advice
Dear MSE A friend of mine in 2008/9 had lost her job and therefore could not afford to pay ger cards and loans etc, and these acccounts are now in default status and the debt has been sold to debt collectors. She since the has been on a debt managment plan and paying small amount every month. She wants to know what happens…
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Overturn CCJ
Hi, Sorry if this is a duplicate thread. I received a CCJ from a silly woman who runs the 'trust' of the development I live in. I refused to pay for the services which are supposedly being provided, as she can't justify why she's paid £30,000 a year, by the residents, to work a part-time job. The website isn't kept up to…
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Will signing up for new broadband affect my credit rating?
I wouldn't normally be concerned but we are in the middle of exchange and completion and I need to make arrangements for a new broadband provider. I was just wondering if agreeing to a contract, ordering new router etc, will affect my credit rating? Or does info such as this not show?
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Wife bad credit file afect me getting mortgage?
My wife has a very bad credit file many defaults but from years ago. Will it affect me getting a mortgage? Or do I have to wait until her defaults are 6 years old?
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SAR information/ default
Hi all, I am in the process of attempting to have a default removed from my credit file: See my post in the loans section for the gory details. Should SAR information include evidence of letters being sent to me advising of me the default notice and that my loan was in arreas? There are no letters at all in the information…
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Defaults on credit report
OK .... I'll make this as brief as I can. Am looking for some advice before starting to tackle this problem. It's taken 2 years but finally got the mother in law sober and ready to face up to her problems. She's been in debt most of her life but here are the current problems: 1. checked her credit file as she really needs…
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Removing Financial Association
Hi, Anyone know how long it takes for a Financial Association to be removed from your credit report? I decided to sign up to my 30 day free trial of the CreditExpert on Experian and decided to put all of my previous addresses in. I find my ex-wife on there as a financial association but we were divorced in 2010 and haven't…
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can a ccj debt be written off
for the past 8 years I have been paying off a debt by attachment of earnings, my circumstances have changed so I am struggling to pay this,i have no contact details and do not now how much I owe,can this be written off
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My Fathers debt on my Experian report
Hi Guys, I recently moved house (renting) and had the most horrible time trying to persuade the estate agents that my credit report was wrong. Long story short: Me and my father have the same name only he has a middle name. in 2010 we both lived at the same address and he ran up a few debts I moved out a few month later…
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Going to be credit checked for accommodation
Sorry I asked, going to be direct with letting agent, will keep anybody else updated on outcome who may be in same or similar predicament
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advice on a default
Hi , my credit file shows a default from 2009 with my current phone contract, the balance was cleared just weeks after the default occurred, however as I still have a contract with the same provider the account has still shown a small balance every month since the default. I read somewhere that its best the have a default…
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Consumer Advice Bureau Phone Call
Had the strangest phone call about 10 minutes ago, from the 'Consumer Advice Bureau', informing me that he was from a government backed office to help me with my unsecured debts and the problems I was having. He told me I have been paying off the minimal amount on my current balances and the original balances were…
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It is worth paying for Creditexpert and Equifax
Dear all I apologise if this has been responded before as I could not find the information in previous threads I wonder whether it is worth paying for both services. I also need to update my new address for instance and I believe Equifax has the old address Thanks in advance for your help Omar
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What do letting agents see/look for on credit checks?
Just wondering what letting agents can see on a credit check, and what they are looking for? The reason I ask is I have had a default (just settled it) can they see this default?
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credit decisions based on facebook friends?
Any one else read this? Lenders could soon be scrutinising our social media pages before deciding to approve loans or credit cards. This means that our creditworthiness could be judged on who we’re friends with on Facebook or who we interact with on Twitter. Why are they doing this? The idea behind this form of credit…
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Missed direct debit
Hi Wondering if anyone could help. I renewed my car insurance with the first payment due to come out on the 5th of September by direct debit. I have renewed with the same insurer and paid all last year on direct debit. They phoned me today to say that the direct debit had been rejected. I've no paid this over the phone on…
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cashplus creditbuilder
Hi, Another quick question regarding creditbuilder with CashPlus. I took out the Gold Mastercard Casplus card back in April and eventually they added the Creditbuilder facility to my account. I've checked my credit file with Experian and there is only one entry (marked as green or 'satisfactory') for July. Where are all…
