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Banks error caused multiple missed payments / default account
Hey guys. I've accessed my credit report for the first this this week and to my shock its riddled with late payments + a defaulted account (now settled) all from a single month back in 2010. Back in 2010 i moved banks and all the direct debits should have been transferred over. Due to an error the losing bank didn't set…
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Defaulted Account
Good Evening All, Ok my first post so please be patient with me. I am looking for advice on the following. Back in 2008 I helped my brother out by getting him a mobile account in my name (silly I know). Last year he let the account default and subsequently a default was registered against my credit report (but not on all 3…
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Credit scoring, 0% cards
Suppose I have a 0% purchase credit card, the period lasts 18 months. The credit limit is £2,000. I buy something at £1,000 and then pay it off in one go at the 12th month. Respecting that universal credit scores don't exist, will future lenders see this as worse than paying off a card in full each month?
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Failed credit score at 3 Mobile
For the first time in my life I have just failed a credit score whilst trying to purchase a sim only plan with 3. I've got a 999 credit rating according to Experian with 20% of my credit being used. The only thing I can think went against me is that I have started a new job only 2 months ago, however the job is very well…
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satisfied default 4 years old help!!
Hi im looking to get a 95% mortgage, the house is priced at £70, 000. I have a sale agreed and going straight to bank instead of broker. I want to realistic and know more info. I have a satisfied default on my credit report from orange I paid the debt off after a few months. It says satisfied default. I also have a letter…
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Advice on a debt settlement - 1st Credit
Hi Guys, Hope you are all well. I am looking for some advice on an old default if possible. I am currently trying to straighten out my finances for good - i've never had a majorly bad rating but back in 2008 I was at University and got a Halifax credit card and student bank account. Without going into major detail - in…
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Credit Card on Credit Report
Hi, I took out a credit card in July and have been spending on it and paying it off in the hope of upping my credit score (which is currently 'fair'). When I applied for the credit card my score was 'good' but since then I have closed my catalogue account as I was told that having a £6000 credit limit with them was…
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Account disappearing off file
Hello All, I had an account that started in January 2007 with a finance company that has suddenly been removed from all 3 credit files. Now I had thought the account had defaulted in 2008 but when I spoke to them the other day they said it had defaulted in 2010. So my question really is why has it been removed from my…
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How long will my credit stay like this
Hi All, Signed up but only used this once before. I currently have bad credit so my credit file says, I have 6 active accounts on my credit file: House (Only got in April 2013) Car (October 2012) Visa Card Bank Account Phone Contract Catalogue I was in financial difficulty in 2007 so now the majority of defaults have…
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Fair Credit Score but unable to obtain Overdraft
Hi there, I am looking for some advice please. I have a credit score of 863. I have no credit/store cards or loans. I have 1 default on my account from 2010 from an old mobile phone contract. Recently I have tried to set up a planned overdraft on my current account but was rejected. Can anyone tell me why this could be? I…
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Default on file after 5 years?
Hi guys, New here! I have a default on my credit file that is from: Date of default 02/05/2008 I live in Scotland and my understanding is that after 5 years this gets removed from your credit file, am I wrong?
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Wedding credit card advice
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bank still shows default
Hello I went bankrupt in 2011 and was successfully discharged from bankruptcy the following year. I've learned from past mistakes and kept up to date on all my bills etc. earlier this year I decided to try get credit for home improvements and to move from prepay electric and gas. My applications were declined. I decided to…
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Changing Address Question
Hi All, In the last few months i have changed address and i took a little while before i updated it with the bank (moved out of parents so wasn't worried about bank letters not making their way to me). I have just updated this on experian tonight. I have just checked my Experian report and none of my accounts are showing…
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Capital one default
Hi I have a settled default from Capital one. I am desperately trying to get it removed- I know its a long shot, but I figured its worth a try and I work a very boring night job. From what I have seen my first step to this would be asking for a SAR, which I did and enclosed a postal order. However I received a letter today…
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Invented Information on Report
Hello! A couple of things. Firstly I've noticed on my credit report that an entry has a start date that predates my birth by about 13 years. I'm thinking I'm well within my rights to ask the credit reference agencies concerned to remove that entry until the creditor can invent a more realistic date? Next, I've another…
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Has anyone managed to get old defaults removed?
Hi, Me and my partner have been saving hard for a mortgage over three years and now have a healthy 20% deposit for a house we are looking at. However, before we go ahead and try to get a mortgage I want to tidy up my credit rating. Three years ago I was made redundant and couldn't keep up with payments, which resulted in…
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How damaging are late payments?
Me and my Fiancee are getting married in 2014 and will be looking to buy a house in the summer of 2015, so I want to be able to make sure we are in the best position to be able to get a mortgage then. I have a Default on my account from 2008, which will drop off in May 2014, so I'm not worrying about that. What I am…
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Credit Checking Customers
Hi, I have a small business and I am starting out offering my customers credit options to buy our services. We have a finance company we are using but a number of the applicants so far have been rejected and it looks bad with the finance company that they have been. So what I would like to do is a pre check. See if the…
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3 Network
Hi guys My fianc!e has had several phone calls and letters from 3 network re unpaid telephone account with them. He hasn't got a contract with them and never has and we've found that there is an entry on his credit file for 3 with an address that he has never lived at. 3 have now sent the unpaid debt onto a debt collection…
