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Need help with a entry on my file
I have a loan on my equifax file that shows a delinquent balance of £9500 but a balance today of £12500. The account started in 2004 and the history shows 4 years of 6s in red and it states that it is in arrears. I am not sure when the last payment was made. The question is surely this should have defaulted by now and if…
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Please help. So confused re: credit file vs debt collectors
I would be very grateful for some help. Around a year ago I was pursued by a chain of three debt collection agencies for a debt I know I paid off. Everytime I sent a prove it letter they said they couldnt and sold it on to another agency. I cannot prove it myself because I have not been a customer of Barclays for so many…
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How much does partner's credit really affect me?
Hi everyone, First of all, I would like to say that I am posting here as a last resort, having searched elsewhere for relevant information and not had much luck. Background: I have what I think should constitute a relatively sound credit history. I'm 33 and since the age of 18, I've had various store cards, credit cards,…
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Help with credit soft search
My housemate has asked me to find a good credit card deal for her as she doesn't really know where to start. I put her information in the soft search in this site and it says the following: "Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again." Can anyone shed any…
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Poor credit
Hi I'm new here so please bare with me if I'm posting in the wrong place... Me and my husband are hoping to borrow more money on our Halifax mortgage to pay off existing debts, we have cards all over :( I have viewed our credit report and both state "very poor" and my husband defaulted on one account a couple of years ago.…
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Credit Score
Hi, Just wondering if anyone could help. I have checked my credit report with Experian and Equifax. Both are decent scores, one saying good and one excellent However my equifax one shows 6 searches, but this is spread over 2 addresses. So 3 at each address, but both for the same thing as i have lived at my current address…
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Quick question about creditors and new credit card.
Hi, hoping for some quick advice! I have defaulted on my debts, currently paying £1 token offer to all of them. Capital One sent me a credit application and I filled it out, they have now given me a £200 limit credit card - I learned that using this will help to improve my credit rating. My questions is this: Should I be…
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Experian's CreditMatcher
Hi everyone, Has anyone here had experience at using the CreditMatcher service offered by experian? I've checked it out and looked at the loans etc that i can get. They basically say on the website that the products they show on CreditMatcher are the ones your most likely to be accepted for. What's the success rate of…
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Default removal
Hi guys I am currently in the process of writing letters to two different companies in regards to getting defaults removed from my credit file. I am desperate to get them removed as its stopping me getting a mortgage. One of the defaults was registered in 2009 for around £100 and another in 2012 for around £200, both of…
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My ex is using my address to get credit
Can anyone give me some advice please? Last week I opened a letter by mistake that was addressed to my ex. It was from a debt collection company saying he owed £1700. My ex left here 17 months ago and I know he didn't have this debt when he left here. He used to come here and collect post but hasn't done so for months.…
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help with a mishap on credit report
Please help :( first time buyers and a hiccup on credit report Me and my partner have put an offer in on a property and thought we had no problems with either of our credit as neither of us has ever missed a payment or been refused credit etc. However today we went to get the ball rolling to get our mortgage put in place…
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I'm having trouble understanding credit ratings..
Hi all Just a few questions really.. Does things like netflix appear on a credit rating as it is a monthly expenditure? Also same question with monthly car insurance costs? Also I currently have 22 searchs on my credit rating however 14 are insurance quotes, 2 are employment checks, 3 are by finance companies (two for…
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How to Improve
I've got a tough situation that I've had to deal with regarding my credit file, when I was 18 my mother took out a loan with greenwoods in my name telling me that if I didn't I would be homeless. She told me that it would be paid perfectly and everything would be fine and that the loan was for £200. If I'm honest I forgot…
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Reporting late payments
I have a Very account, with online statements. I made a payment (twice the minimum payment and more than their 'Take 3' payment) on the 4th October. I then paid again on Monday (4th nov) a further £50.00 and I now only have around £100 remaining on my balance. However, I find I have been hit by a late payment fee and £9…
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'Soft' credit rating?
Hi there; I need to move house (bad landlord turning abusive, loooong story) and I am about to pay a holding fee for a house round the corner, but I know they will do a 'soft' credit search or something like this. I know I have a bad credit rating and I am really worried about this. Is there anything I click on to see what…
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Should they remove the Financial Associations?
Hello there I'm asking this for a friend, who's asked me to post this question on here for them. Q.) She divorced her partner in 2008 and took sole charge of her mortgage (which was in joint names with the partner) in 2010, and has no defaults or late payments. She recently got copies of her credit report, after seeing a…
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FCS Flag
Hello I've just got my Experian report and under my two 'EE' contracts, that have now been ported to another provider, I have an 'FSC Flag - saying 'PHONE DISCONNECTED' What's an FSC flag, and does it affect my credit standing?
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Moving house - does debt follow you??!
Hi everyone, really new to this so any help would be immensely appreciated. Long story short, my fianc! and I have debts to 25 creditors in total. These are individual debts, some in his name solely and some in my name solely. We have had 2 years of real bad luck and circumstances are now at a point where we have been…
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Missed Payment
I have a Capital One credit card. It was due to be paid on 5th Nov but due to all thats been happening in my life, I totally forgot (first time in 3yrs). Remembered last night so went onto account, got charged £12 for late/missed payment so straight away paid £98 leaving £500 balance. I know it takes a couple of days to…
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Mortgage default notice - correctly issued?
Technical question time. Joint mortgage was on a house in Scotland, I moved out in 2009 but remained on the mortgage as the Ex could not remortgage and we were trying to sell (long story). Verbal agreement was that he would cover the mortgage, I was paying rent elsewhere. I know that I was still legally responsible for the…
