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O2 refusing to remove a settled default
Hi Guys. My partner had a default from 3 years ago with O2 for £170 which was due to travelling abroad and not being able to transfer money to her UK account. The Default was settled and sorted in 2010 with 1 single payment, but the Default will remain on her account until 2016. We contact O2 to see if they would remove…
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BT ... Four years on
Hi All, I'm looking for some advice. Four years ago I moved flats and requested BT to move my accounts. Although it took 3 months to appear on their system they did the move incorrectly. My BT services were shut off and I had to sort it out over the phone. Basically rather than move my account from one address to the other…
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Tenant Credit Score - Help Required
Hi everyone, I need your advice. Earlier this year it was announced that landlords can add a black mark of sorts to tenants credit scores if they break any of the rules of their tenancy, eg not paying rent. I'm in the process of claiming rent back from an unreliable tenant (early stages), I don't want to go into the ins…
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Removing a connection
Hi, I have recently (after a separation) started to take more of a interest in my finances and my credit profile. Mainly to put myself in the best possible position for the future. I have signed up with Noddle to check out my credit file and score. I noticed on my file that i have a connection to my ex as we have a joint…
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card payment I didn't make
Hi all, I have a bit of a strange query, I wasn't even sure where to post it -- but my concern is that my credit history will potentially be affected so here I am. I'll try to keep it short. I have an account with TalkTalk (phone, Internet, tv) and I'm paying by direct debit around the 1st of each month, something like…
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Electoral Role - Help!
My wife and I sold our flat in June and moved in with her parents in order to save a deposit. We have managed to save a fair whack, but was recently rejected for a mortgage. Upon checking our credit file neither of us are listed on the Electoral role at her parents address. Her Mother (the homeowner) filled out the new…
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eBay "Identification Check"
Hi, I was checking my credit file when I noticed a search from the end of last year on my credit file by GB Group Plc. on behalf of eBay Inc. for an "Identification Check". Firstly, does this show up on my credit file to other companies who search my file? Additionally, the details they used to search my file were…
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Issues getting default removed.
Hi, Background: On DMP, getting towards end. Earlier this year one creditor (HSBC CC) defaulted me this year because they send the payment back saying the account did not exist (happened a couple of times, stepchange always sent it again with the next months payment). Obviously not happy getting a new default at this stage…
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Help with Understanding a 'Negative factor'
Your borrowing on regular instalment credit has not reduced significantly over the last 12 months. This is a long post, but any help will be appreciated! I initially ran into money difficulty 7 years ago, however i am pleased to say that i have been squeaky clean for the last 6 years and the last 2 defaults drop off of my…
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Search history on credit file?? worried
I have been watching Martin on TV a lot lately and I never have sorted my credit file with all three agencies, thought if you did it with one it sorted them all out..anyway long story short.. I have got on to call credit and equifax. This morning I got my pin for call credit and logged on and started sifting through. lots…
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Scottish Power have ruined my credit file - help!!
My husband and I are making a mortgage application through RBS Help To Buy. We went in to chat to them and we passed affordability and eligibility criteria with no worries. My big concern is this - in 2011 I had an issue with Scottish Power - I switched supplier and for months asked for a final bill or to pay over the…
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Experian credit expert where do I stand?
hi everyone, im new here so hoping ive got this in the right place. I just have a quick question about experian credit expert im hoping i could hopefully get some advice on, so here goes About 10 months ago i created an account with them for the 'free trial' they provide, which i never actually got to use as they send a…
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Explain 'Default'?
Over the last three years, we were with a debt management agency to clear 3 debts after our twins arrived. In October this year, they told us we are now free of them three debts. But we now need a new boiler and car. My Experian score now is 934, but how? It also shows a default each month over the last three years even…
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Number of credit searches
Hi All, I need to do a balance transfer on my credit card as I have started to pay interest so I did the eligibility test on here and applied for a Halifax card. I was declined, even though it said I had an 80% chance of being accepted. So I looked at my credit report with Experian and the score was 904 which I thought was…
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Payplan - Red Potato Car Finance
Hi All, Been on my DMP with payplan for 3 years now recently had to make lesser payments due to pulling out money on car. On 16th Oct I was in an accident and it was written off hence require a new car for work and family. I applied via the normal route at high street car dealers and finance, was offered some finance from…
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prepaid cards
does a credit check show companies what prepaid cards you have and what balance is on them?
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Experian CEO email address
delete pleaseeeeeeeeeeeee
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Defaults, Removal, contact who
Ive got 4 defaults on my files which are now all settled, the 4 in question have had the original debt sold on to different companies, who would i cintact to talk about removing the defaults?? the original company or the Buyer
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Debts arent mine
I wondered if someone could help me. I keep receiving letters from debt collecting companies who have taken over debts from 6 years ago. these seem to be mainly for store cards and one is as much as £1,600 in HMV!! Apparently as the person who set these cards up has the same first name and surname as me and also has the…
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How long to remove errors on file
Hi, I thought I would check my credit score prior to mortgage application and was shocked to see a really poor credit score. It turns out Virgin have posted an arrears for 2 months about 14 months ago when I moved house and cancelled my contract with them. This was settled and they said it wouldnt go on my record (over the…
