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Think someone is using my address
Today bailiffs knocked our door looking for my old next door neighbour. I wasn't in at the time but my 2 grown up children informed the bailiff that this person used to live next door but that the house is privately rented. The bailiff asked if we had a contact number for the landlord of next door. My son said that I…
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how long for clean up to take effect?
I sent my letters to aqua, capital one, Argos and hsbc to adjust default and settlement dates. They were signed for between 24-30th December. How long does it usually take for them to fix the entries?
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Dormant accounts
I've just received a credit card with a higher limit than my other two combined, and this card also pays cashback on purchases. I'm not sure whether to close one and keep the other open for emergencies, or just close both of my old cards. I won't be using either of them. If I keep one open but don't use it, will that have…
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Credit rating
I am an Irish woman that has moved to the UK 6 months ago. I have a bank account and have tried numerous times to apply for credit cards to build up my credit rating. I actually applied for the cards to help improve my credit crating but was refused. Can anyone offer advice on this please? Thanks Fiona.
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Seperating finances
Hi all, I'm not sure if this is the right place for this question so admin feel free to move my post! I couple of years ago I opened a joint bank account with my daughter who was at University - this was mainly done so that I could stop her from going overdrawn and running up an overdraft - what actually happened was she…
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Help With British Gas PLEASE!!
Hi all - This is my first post here and I hope to get as much advise as possible please!! I bought a property in 2003, moved in and called all the relevant utility companies to set up new accounts like you would. One of them being British Gas. I calls them for a gas account only. The next day I realised there is actually…
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Best CRA?
Quick question but of the big 3 which one if any is generally better all round than the others due to most accuracy of data and presentation of detail? Thanks as usual
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Quick Question re successful FOS ruling
Hi Just a quick question for other FOS success stories (or those in the know). Mainly cos the adjudicator is away over new year! I made a complaint about a mess up by MBNA (there's a surprise) where they had posted a lot of late payment markers on my credit file incorrectly. The FOS agreed with me and (as far as I know)…
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default still on file after bankruptcy SANTANDER
i was made bankrupt in 2009. and ever since then santader have sent me quarterly statements adding money to the account. Now i have rung them lots of times over the last 4 years, argued and sworn at the idiots on the phone....no you still owe us the money etc....spoke to the official receiver and they said they would sort…
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removing finanical links from credit file
I have a link to someone over 6 years ago on my credit file. can this be removed as I don't see speak to this person so don't want them link to my credit file?
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re: credit boost
Hi there, I always pay off my credit cards in full, on of the things experian moans about is that "my highest credit limit is low" (500), to get this raised should i pay half the balance for a month or two, (so i pay interest). would this look bad, look good, or should i just continue doing what i have been doing, (pay in…
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Experian's Fundamental Breach of Data Protection Act 1998
In another thread, which discusses an MSE news story about worrying revelations on security of personal data at Compare The Market (an organisation which itself will have close links to CRAs by virtue of it collecting personal data and constantly causing ID and credit checks on our files), I have got into a surprising ding…
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phone contract for pensioner
Hi apologies if I'm in wrong place ,can anybody please advise me ,my nan has always had a phone contract ,her last one ran out with earphone warehouse in November and she has just tried to get a new one with c p w online,she has just got an email saying this has failed credit check ,she has never missed a payment in her…
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CCJ set aside, but not removed
We have checked my husband's credit report, which shows a CCJ, which was set aside, 8 weeks after it was registered, four years ago. He didn't realise that the CCJ had not been removed from the registers. We have now written to the credit reference agencies with this information and have enclosed a copy of the court order.…
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Newbie help please... Multiple defaults and searches recorded
I've known for a while that both mine and my hubby's credit ratings were poor, and finally decided to do something about it.. Last night I got reports from all 3 for both of us and I have a few queries, and I would really appreciate some help.. I have an account on there from Cabot, I honestly don't have a clue what it's…
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Defaulted accounts on credit file
Hi everyone, Sorry if this question has been asked already! I have a copy of my credit report, there are several defaulted accounts. As an example: Account 1: default date Feb 2013 Account 2: default date Oct 2008 My question is this: If a defaulted account drops off your credit file after 6 years, would I be better off…
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When settled defaults disappear - what next?
I have 3 defaults from 2009 which have all been settled in 2011. Since 2011 I have kept all credit agreements such as my catalogue, phone contract, car finance etc up to date and paid on time. My credit report is still very poor which is expected but I was wondering when the defaults drop off will my credit report still be…
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Car Finance & Credit Score..
Hi, I'm new here so sorry if this is in the wrong section... A few year back i got my no ex-girlfriend a car on finance in my name and she was making the payments however when we split she gave me the car back and i decided to take over and pay for the car and use it but due to being on a zero hour contract at work my wage…
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credit file after trustdeed
Hi all, newbie to forum and hoping you wise folks out there can advise me Completed trust deed in July and received my discharge in December... yay!! I want to clean up mycredit file as much as i can and quickly but dont have contact details can anyone help? to main companies are HBOS and Pco Holdco Sarl C/O Watch…
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Unknown default
Hello. This is my first ever post so please bare ith me if this question has been asked before. My husband has just been trying to change mobile phone networks and contract, but has been declined. We have looked on his credit report and there appears to be a default relating to a previous mobile phone contract. When he…
