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Being threatened with CCJ for aged debt
Apologies if this sort of issue has been raised before. I've recently received a letter from a legal company threatening court proceedings for a debt they have inherited/bought from another debt collector, which they in turn had purchased from RBS some 6-7 years ago. I have never heard of this latest company before, and…
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Default dates
Hello, Could I have a little help? I have now completed DMP and looking to tidy up my credit record. If it help I have an account with Noddle. I started my DMP with Step Change in May 2008. I had 8 accounts that had already or went into default on various dates being: 15/01/08 09/06/08 12/06/08 16/06/08 24/06/08 24/06/08…
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'Fair' credit score with Experian - how to improve?
Hi All. After recently being declined a joint mortgage, i need to work on improving my credit. My credit file was 'Very good' almost excellent, but i was made aware of a missing address off my file which then showed i had a default... After lots of chatting to Vodafone, the default was removed and it is now a satisfactory…
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Defaulted accounts help
Hi, I've been trying to sort out my debts and have started looking at my credit files. I have a lot of debts and defaults and I'm trying to work through them. I've got my report from Noddle and Equifax and I'm waiting to receive it from Experian. I've noticed some of the account are reported differently and I wonder if one…
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virgin sim only contract rejection
i'm 25 and i have a pretty fair credit rating slowing been building it up over the last couple of years . so my 02 phone contract was coming to an end and i decided since im happy with my iphone 4s phone that i would just get a sim only contract and the best one i've come across was from virgin £15 a month unlimited data ,…
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Possible ID theft??
I have just checked my Experian account and noticed there have been some addresses linked to me - which are unknown. I have lived at the same address for past 10yrs, and have only lived at 4 addresses since birth... all those addresses are within 8miles of each other, and in East Anglia. There have been 7 links to two…
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credit check an address only
hello all, does anybody know if an actual address only can be searched by the credit reference agencies without a name to go with it? i ask as i need to know if it shows how many people live at an address. thanks for any replies.....
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No credit accounts appearing on my credit file
Hello everyone, I got my Experian £2 credit report yesterday because I wanted to make sure that my credit reports were being reported. Surprise, surprise they haven’t been reported. I have a Santander current account which has always been in credit and I have never had an overdraft on it or been overdrawn. All that says is…
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Invalid Default - Do I have a case?
Hello all, I've been working hard over the past two years to rebuild my credit standing as I got into debt and was naive in my late teens. Anyway, I have 7 defaults on my file. The first was registered in August 2009, so that may not cause me much of an issue now. The bulk of the defaults are from March 2011. I've been…
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Historic Debt
My partner ran up alot of debt before we were together using Creditcards/Loans etc, more than she could ever pay off, and has had a CCJ against her in the last 2 years which never progressed as she was on maternity leave. Just recently we've done a credit check on her as we are wanting to rent a new house, and this has…
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Question about landlords reporting tenants rent
Hi, I'm probably worrying about nothing, but I'm a tenant, and I heard about landlords being able to soon put tenants rent payments on credit files. We're with an HA. The thing I need to know, is if ours is put on, will our HA be allowed to put our full rent history on there from when we began our tenancy, or just the…
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Improving credit score.
Hey everyone! You guys have been very helpful. I'm looking to get serious and sort my credit score out. I have 1 settled default and 1 default which I'm currently paying off :mad: My score is in the mid 600s. My question is, if I attempt to improve my score with prepaid cards/joining electrol roll/credit cards will it all…
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Help with Credit report (Arrangement to Pay)
Welp. I could really do with some help/advice to do with my credit report, and I love this site for tips and tricks so thought I’d ask for a bit of help. I’m new so please be gentle, although I’ll try to be concise. I split from my partner of four years a few months ago, and this has prompted me to really take a proper…
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Affect of new accounts on file
Good afternoon, I am trying to repair my credit file, after I had a late payment in May (despite it only being a few days late), yesterday my score went up into the fair category - then, today it went back down. The reason being 'You have recently opened 1 or more new credit accounts'. After looking at my file it is due to…
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Updated credit file
Just some advice please: I have just checked my credit file with both Experian and Equifax as I do every year as about 8years ago I got into financial difficulties. When I last checked my file there were lots of defaults so I put them in order and offered lots of F&F settlements and some were accepted. The others are all…
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Debt Action Plan Advice
First of all thank you for all your help so far. As requested, this is my situation Debt as follows: HSBC BANK Monthly Payments 0.00 Default: 27/10/2008 Debt: 11,999 Unsecured Loan Arrow global LTD Monthly Payments 0.00 Default: 30/12/2009 Debt: 6,000 Unsecured Loan Arrow Global LTD Monthly Payments: 70.00 Default:…
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Morgage Application after dopped off defaults
Hi I recently came to an agreement with 3 separate creditors on long term outstanding balances (all of which defaulted in 2007/2008 and were in a DMP until agreement was reached) I settled for 35% discount with one 55% discount with one 75% discount with one I received letters from 2 of the companies after payments were…
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Maxing out interest free overdraft and putting it into savings
Hi, I have a £800 interest free overdraft with my student account. I do not need to use this. Therefore I am thinking about moving this £800 into my savings account, so that I can earn interest on it. I have two questions about this: 1. Is it illegal, or against any terms and conditions or bank accounts? 2. Will the fact…
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closed accounts in credit history
Hello, Is having a lot of closed accounts in my credit history seen as negative by lenders ? (some of them are payday loans in case you ask - the last one about a year ago). I have been through some rough times but I am now putting my finances in order. I have repayed a lot of my loans and cards but the closed products…
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Delinquant vs Default
Hi all, I've checked my credit report via experian for the first time and seen that in 2010 when I lived in a house with a few others, the gas bill with british gas was paid 5 months late. It seems it was in my name, so it shows failure to pay 2 , 3 , 4, 5 months late and then settled Is this considered a delinquent or…
