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Furiosity with Northampton / Orange
Hi, I’m looking for a slight bit of help. I know people will have heard the scenario time and time again, I got a contract at 18/19 years old and due to financial struggle I ended up not paying it. Cut the story short, Orange decided to file a CCJ against me after countless attempts to send it to credit reference agencies.…
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quick way to improve rating
If I paid off my outstanding debts would this instantly improve my credit score?
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Who can help me to better my credit rating?
Hi everyone, I am just wondering if there is someone I can "hire" if you like to help me get on top of my credit rating and how to clean it up - I am hoping to apply for a mortgage in 18 months or so, and currently I am getting rejected for loans and bank accounts (I have a good income, I do have some debt on a credit…
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Help with Credit after DRO
Hi I got a debt relief order in May 2009. I got my credit file off experian online and nothing shows up it's says good and my score was 900 or something. I went to Halifax with my partner to apply for a mortgage and I was rejected due to the DRO on my credit record. When will I be able to get a mortgage and how should I…
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Fraud Use on my credit report
Hi, Someone has been using my personal information off Companies House to obtain mobile phones on contracts, online store credit etc. I have contacted all the companies directly (at a very high cost too) and informed them it's not me, to which they agreed and said they were dealing with the claim through their fraud teams.…
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Past Due Credit! Advice needed please
Hi there, I am asking for advice on behalf of my brother who has received several letters from "past due credit solutions" in relation to a debt due to British Gas from a former address he was at. My brother spoke to British Gas (tricky when the debt goes back to 2009!) but they assured my brother that outstanding arrears…
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Identity stolen
Not sure if this is the right place for advice. We suspect our identity has been stolen, reasons we suspect this are strange letters in my name and my address but talking about debts and things nothing to do with us. We have got on the phone to them and they just say our records indicate that you owe this much for this and…
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Default has been added
Hi, I am new on here so be nice please :) I logged on to my credit file today and saw this a default on my account. Says "Default date 27/04/2013", "Default Balance - £575" and under account status details one "8" Balance "£575" with the date of the 17/11/2013. I cleared this balance ages ago and now a default is showing,…
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Nationwide to start using realtime Callcredit
The world's largest building society, Nationwide, has chosen to include Callcredit Information Group's credit and affordability suite as an integral part of its new credit application functionality. Callcredit will supply a real time data solution to deliver a credit data summary of a customer's credit file alongside a…
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Removal of 'late payment' from credit file
Hi all- Earlier in the year I received a £665 phone bill from T Mobile (long story that I had previously posted about- appears someone had managed to use the sim from an old (over three years old) dongle that had been thrown away and make calls to Romania and Poland etc etc) I made contact with T mobile and wrote a long…
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Barclaycard Credit File entries incorrect
I've just upgraded my natwest account from a basic to a silver account. One of the perks is the indetity theft protection. Through this I have access to my experian credit profile. Now I did get into financial dificulties late 2009, and in February 2010 I took out a debt relief order which named barclaycard as one of my…
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Quick Question re Joint Applications
Hi, I have a poor credit rating and my husband has a good rating. We are thinking about applying for a joint mortgage (I have no outstanding debts & pay everything on time now but score will be low for a few years to come). I know that if we were approved we would be financially linked & my score would affect my husbands…
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Need help! Dad has same name! UK credit profile in tatters! :-(
Hi Guys Please forgive the rather alarmist title! I have been living and working overseas (Hong Kong and Australia) since 2007 and am thinking about buying property back in UK. Before I started applying for mortgages I though it would be prudent to do the experian check to see if I had any nasties in the closet. I was…
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HELP! Non UK citizen needs to improve credit score
My husband is Iraqi by birth and is in the process of becoming a British Citizen, in the mean time he wants to take out a mobile phone contract out in his own name but I am scared he will be refused as he has a poor credit score, due to not having any history. His bank account has been open for less that a year and he…
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Getting loan info into Experian
Hi. I have bank accounts and a loan with First Trust (Allied Irish Bank GB - Northern Irish version), and I would like to get them registered with Experian. The loan, as well as my BT contract show up on Equifax searches. My issue is that Halifax appear to determine a credit rating based solely on Experian information, and…
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Does rejecting a loan agreement affect credit rating?
Hello I've recently applied for and been offered a personal loan for £8k through Sainsburys, but I don't need the loan anymore. They have sent me the agreement papers through and I haven't signed or returned them yet. Can anyone advise whether my credit rating/history will be tarnished should I decide to pull out at this…
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Loan companies amending credit reports
Hi there - I'm new to posting but have a question. I recently “missed” a payment on a loan, as this was paid through my debit card, and the card had expired. The payment was due on 26th October – they emailed me on 29th, to which I initially emailed back asking what they were talking about as I had forgotten about my new…
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Credit Score
Is a score of 488 good?
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CCJ's Overshadowing everything!
Last year due to the recession and my husbands business failing, we got in to severe financial difficulties. Stupidly I stuck my head in the sand and let a couple of debts get to court. I finally gave myself a good talking to and sorted everything out via a debt management plan and have since been trying every way to cut…
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DEFAULT/Mortgage help
Hi all My name is Paul from Manchester. This is my first time on the forum. I have 5 defaults dating back from December 2009 to April 2010. My credit since has been good. I am currently looking to buy a house but I am having trouble. Are there any lenders that may take a softer approach to granting a mortage in the current…
