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Unused Credit Cards
Hi, I think I accidentally posted in the wrong place earlier so apologies if showing again. I have 2 credit cards aimed at people with poor ratings to improve my score which has been successful. One of the cards has a limit of £250 which I pay off in full monthly. The other card has a limit of £100 and has a zero balance…
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Settled Account on file - Never defaulted.
I'm in need of assistance. I have several Settled Accounts on my credit report. I've been trying to get them removed - As I believe they have been wrongfully placed on my report. One is with a payday loan company - I have contacted them and they have told me I have never defaulted with them - I paid the money in time and…
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Default from BT, the voyage begins!
So I recently discovered (to my surprise) that my credit file contains a default from BT on an old address. A quick look at the date shows that they have continued to provide a service after cancellation and susequently defaulted the account when their letters to the old address went unanswered. I specifically remember…
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bank accounts on credit reports
Hi all, i hope this has been posted in the correct place. My partner is having a problem with my credit report at the moment which I think is affecting his applications for a 0% balance transfer card. I'm hoping someone on here will be able to give me some advice and help him get the issue resolved. Basically, both his…
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Declined credit for mobile
I've been Virgin media customer for 8 years and applied for mobile few weeks ago. They told me my credit rating was so good I could have 3 handsets for my household. However one was all I requested. They could not take £7.99 delivery payment from my card and after I confirmed with my bank there were no issues with my card…
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Credit File
I have 2 bank accounts with Halifax, one of which has been open around 10 years or more, and the other which I opened earlier this year as it was a better type of current account. Over the past few months, I have started to transfer some things over to the new one, but I still use the old one for more, mainly as my card…
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Confused - Credit Score
Hi, new to this site but looking for some advice/help please. I have had a few problems in the past with credit but have been working very hard over the last 2 years to improve my credit worthiness. I registered with 'Check my file' to track the progress of my score but have found that nothing has changed over the last 2…
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Settled account not updated!
I had an overdraft with Barclays which went into debt and to a credit agency, I finished paying it off in august 2012. I recently got a credit report and it says that I still owe £2 on that account! I have had a letter from Barclays and one from the debt collection agency saying that the account was paid in full. I am…
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Credit file updates from lenders???
Hi all, Can someone clarify please... Can a lender report to Experien almost 2 years of loan data after an account is settled & closed? (Back date info) The loan was taken out in sept 2011 but it didn't appear on my Experien credit file until after the account was settled & closed (April 2013) until sometime between July…
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Credit file reasons for refusal of mobile contract
Hi all, not sure if this should go here or the mobile forum. I am 46 and have Never had a credit problem in my life. I own my own home outright (no mortgage), am solvent, have had a credit card for 28 years with a current £12000 limit on which I currently have an £8000 balance. I Have several bank accounts all in credit,…
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CCJ Technicalities
Hi all, I had a CCJ issued against me by Lewis Group on a GE Cap store card in 2009. Now, at some point the address I was living at got corrupted, presumably when I moved, and I've only just discovered that a CCJ was issued. The address it was issued to was a corruption of my old and new addresses and Lewis Group say this…
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what happens to old credit card accounts not used??
My wife has an old credit card (GE Capital Bank) not used since 2001 and I have had the old statements etc on my desk for ages wondering what to do with this old rubbish, whether to keep it for a while for some reason I can't think of or dispose of etc. What happens to an unused credit card account, is there a time when…
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How can i rebuild
Ok long story made short, i got a credit card a few years back, maxed it out missed various minimum payments and eventually went to a debt managment agency who took over the debt and i now pay them every month. As you can expect this whole ordeal has completly runined my credit score. I was very immature back then and…
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Aviva - Unsecured Loan
Hi! I've recently switched my Car insurance from Diamond to Aviva, And have now checked my Credit file and it is showing as 'Avivia - Unsecured Loan'.... My previous insurer did not show on either of the three CRA's reports. Hmmm
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AP Markers on Active Account
Hello All, I have read numerous threads, but I cant work out if the below is a problem for my credit file or not. I had an issue which meant that I did not make payments to Nat West credit card. The issue was that I paid into the wrong Nat West account, and as they had not made note of my new address I was not receiving…
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Experian vs Equifax
Hi All So, to put this in context, I had a spot of financial bother about 3.5 years ago. I'll be the first to admit I didn't handle it well, defaulted on pretty much everything etc. and didn't respond promptly etc. Got it all sorted within about 10 weeks however, settled all my debts except for my mortgage and a personal…
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E-credit Plus
Having obtained my credit file there is a debt owed to E-credit plus (Commonwealth Marketing) opened by the looks of it in March 2009. On my credit file it says I owe approximately £650 with no payments ever made on the account. Now the credit file has all monthly notifications as 6 so has never defaulted. I personally do…
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partner has default can we get a joint mortgage
Me and my partner are looking to buy a house together. He has sold his place but noticed on his credit file that there was a default on there from last year. He moved addresses and told the company his new address but they didnt up date it so they defaulted his account for £300. About 6 months later a debt agency sent him…
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Next Credit Search
I spent some birthday money on new shoes from next and when I proceeded to the check out they asked me to log in with my email and password, so I did that. I paid the transaction in full using my debit card,never tried to get any credit etc. Checked my credit report a month a month later to see that they have registered a…
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Suing a debt collection agency for incorrect entries on your credit record
Hi, in December 2012 a debt collecting firm(Arrow Global) bought a debt from Paragon Personal Finance that I was discharged from in 2007 though my ex wife is still paying her part of the loan off. At the same time arrow global entered this onto my credit account and instructed NCO Europe to chase me for the money. Despite…
