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Lowell being a nightmare!
Hi guys i have posted a similar thread about this issue but that was a while ago and im unable to find it so sorry for the repeat. Basically, i had an orange account and kept up the payments. However my friend wanted to take over the contract so i asked orange to do a transfer of ownership. Anyway he ran up a bill and it…
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Fraud being Committed at Address
I could really do with some advice from anyone out there! My mother lives alone and has been at the same house for 20 years. In that time, my father, myself and one lodger have lived there. In the last few months, my mother has been receiving a number of letters: 1. Mrs H - Taking out an Orange contract 2. Mr H - Taking…
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Help - Very Poor Credit rating due to Virgin Media
Hi, really hoping someone can help here. I finally am in a good position to get a mortgage, and almost have the deposit together. I was about to get a Financial advisor to get a decision in principle for me but thought it would be prudent to get a credit check first. It turns out I have a very poor credit rating, partly…
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Director's home address - can credit ref agency find it
I've been asked to become a director of an existing company. On the forms it says my "usual address" can be seen by credit reference agencies but is not on the public record. About four years ago I cleared all my debts with all my creditors bar one substantial one from a bank that did not reply to any of my offers to…
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Stoozing
Hi, I have been using credit cards for 3 years that gives 12 - 18 months free spending. So when I get a new card, I buy the expensive items that I need and put it on the card. Then use the card as normal every month and pay what I've spent off every month (well over the minimum amount), but leaving the balance from the…
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Individual Electoral Registration
I haven't seen this mentioned before; perhaps I haven't been looking hard enough. We all know, or we should, how important it is to be on the Electoral Register if we're looking for credit. From next year (2014) the system of registering is changing. Until now it has been the responsibility of the "head of household" to…
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Default on file
Hi again, I posted about a month asking for advice on a default being recorded on my partner's credit file in Feb 2012, despite him having had his debt managed (we thought) since 2006 through a debt management co. After taking the very useful advice given on here to determine whether the creditor had filed a default early…
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Divorce Left Me With Bad Rating How Do I Solve This?
Bit of advice if anyone has any, as a result of a divorce a credit card I had with the ex wifes name on it was not regularly paid as all correspondence regarding it was going to our former matrimonial home. As a result this has now been passed to debt recovery agencies and my credit rating has been smashed! I can and am…
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credit file
hi all just a quick question about my credit file and think i need some help. i got my credit file last month and got a credit score of 758 (fair). int the past i have had a loan from santander £5000 last payment is the end of this month i have 1 other account settled with o2 internet finished in 2010 and my last account…
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What looks better... lots of available credit, or lots of settled accounts?
Hi there, Since I learned a few years ago that it makes good sense to build up a good credit history by taking out credit accounts and using them wisely, I've been doing just that. In the past 2 years or so I've taken out a large overdraft and 3 separate credit cards with the intention of building up my available credit.…
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Creditfile & creditors
I am trying to sort my partners credit out and have a copy of his file. How do I obtain contacts for the creditors listed on his file to check the situation on his account as his records of all accounts were lost.
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Creditsafe ... Grrrrrr!!
Hi Guys, I have been a customer of Creditsafe for 2 years, my usage during that period hasn't changed, i use it for data collection purposes rather than credit checking. This week they have told me that they wanted to increase my package from £720 per year to £5,000!!! After discussions they've offered it to me for £1500.…
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Failed credit check
I failed a credit check. Is the company who refused me (Talkmobile) obliged to give me the reason why, or is it the company (Experian) who did the credit check?
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Freemans catalogue: Paying installments to improve credit history.
Good morning all, I have heard that people with a bad credit history have bought things off a catalogue firm such as Freemans and paid off on a monthly to improve their credit standing. I want to do this, but is it sufficient to buy a £10 product and finance it for 3 months, or does the time and value have to be greater to…
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Credit account
MSE forum newbie so im sorry if this is posted in the wrong place. Last night i was going to open up a littlewoods account and got to the stage after you have a credit check and your ready to sign, but i wanted a night to think about it so i come off it and went back on today to set it up and its denying me saying that…
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I have a CCJ - and I knew nothing about it!
Applying for a house and wanted to see what Experian had on me as I know I have debts and it seems I have a CCJ - and I knew nothing about it!!!!!!!!!!!! My credit rating is showing as 722 - what does that mean?
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Barclaycard refuse to default me
I started my DMP last March, all my other lenders put me in default and registered this on my credit file, barclaycard however did not. The account just shows up as rows of 6s. I rang them to get them to change it to a default as the account has been payed at below its minimum payment for 3-6 months. They informed me that…
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Joint Mortgage & Credit History
Hi, Looking for a bit of advice. Me and my husband have a little credit card debt left over from our wedding. We're also looking at having my name added to his mortgage (as I'm paying towards it). However - he has a poor credit history from 3 years ago - arrears and two defaults (both satisfied). How much will the…
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Equifax 'support'
I have done a £2 statuary check with the above and found a financial association which i believe is wrong. There is no help in the financial association section on how to dispute this, however i found a link under the credit agreement section which says: The link then takes me to the 'support' section where i have tried to…
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Noddle
Why do they never update there records I've paid of 2 outstanding accounts and they still show them as full balance this was in September! They have emailed me saying my credit report is ready well update your records then!! X
