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MBNA Issue with Default
Hi All I am hoping some of you can shed some light on whats happening here on this, as I really do not want to phone them. I had a Virgin Mastercard (owned by MBNA), well managed for years. But got into trouble whhen i lost my business (have found work since, but then my partners hours were reduced at work) I have been on…
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Removal of default on credit rating
Hello to you all, my first post here at MSE, hoping someone could offer me help..... Some three and a half years ago I split from my wife. (we remain split permanantly although not divorced and she has a new life in another country) As a deal for me to keep the house and children she asked for a payment which i agreed and…
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CCJ but who for?
Hi everyone, I have checked my statutory report with Equifax this morning and have a CCJ from January 2010 that I had no idea about. How can I find out who this was for? I don't remember ever having any letters etc, but it was a long time ago. I had moved from the address in AUgust 2009, 5 months before the court date was…
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correspondence address isn't always the same as the address living in ? how?
I have read many times that the correspondence address isn't always the same as the address you are living at. Which circumstances is this possible? true? can you give some examples to clarify what that means? -especially in correspondance to Experian/equifax (that CR agencies) cheers.
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credit file check negative - help
Hello, I am usually very careful (I even used to stooze in those good old days) but today after an exhausting boxing day shopping, I very lazily said ok to the very helpful girl in the counter who wanted me to take a card that would give me 10% discount on my shopping. That it was a credit card did strike me when she…
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Help on improving rating - moving money vs not!
Hi can somebody help me with the best thing to do re improving my husband and I credit rating for getting a mortgage? We both have a good rating with equifax, I have a good rating with experian but my husband only has fair. One of the negative factors for both of us is the utilised credit %. We only have one ccard each and…
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How long after clearing debt does it no longer show on file?
I owe £15k on 2 0% BT credit cards that I pay off £100pcm each, and will BT onto another card or 2 in 20 months when the periods expire. I also have £30k of shares in my employer who I do well from with dividends and trading them every couple of weeks on dips (been doing this for 15 years with this share). How long would I…
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Change of name by deed poll
Hi just a quick question, If you was to change your name by deed poll. Would the organisation who administers the change or when your passport or driving licence was updated would they automatically notify the credit reference agencies of the change or is it reliant on person to notify them themselves.
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I accidentally didn't use one of my credit cards last month...
...due to exclusively using my new one which actually pays cashback. Will this statement show up as 'D' for dormant? Will it negatively affect my credit report?
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Assess My Chances
Hi, I am looking to purchase my first property. I have a few factors in my favour but a CCJ against my name. I want to know the extent to which this will prevent me (a) getting a mortgage and (b) getting a decent rate. Property Price: £120,000 Deposit: £48,000 Loan: £72,000 LTV: 60% Single applicant, £44,000 salary. Credit…
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Student Finance England.
I went to university as a mature student in 2010. Because of my age my paperwork apparently went through my LEA. Two years later I received a phone call informing me that I was in default to Student Finance England to the tune of over £8000. This meant that I was no longer entitled to loans for Student Finance England…
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Problems with experian!!!!
I am so disgusted. I was discharged from bankruptcy on 11/10/2013 and waited this long to clean up my credit file. Call credit and equifax where all clear so I decided to apply for a Vanquis card to build my credit history but unfortunately I was declined. I thought this was strange so I paid £15 today to see what…
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Credit Reports ..worthwhile?
hi, i've just been told by the 'finance' guy at a car dealers that there's no point to credit reports when i told him about my experian report showing me as "good". He said he has lots of experience in having people being turned down for finance when their reports are good or even excellent so I asked what was the point of…
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New Credit Card Account Alert
Hi all. My wife has an account with Equifax where she gets Credit Account Alerts if her Credit File changes. She had an alert yesterday and we've just checked it out and it says there's a new credit card account and the companies name is CCEV0015. We have got a new copy of her credit file and there's nothing on there but…
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Attempted identify theft
Hi, Looking for some general advice. I am subject to repeated phone calls from 'HSBC' trying to trick me into giving out my account security details. The people trying to steal my identity clearly have some details (at least: name, bank name, phone number) and are very persistent. I have reported this to HSBC but they were…
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OH's credit report shows a default...grrrrr (Virgin Media)
We cancelled Virgin Media after being with them for 3 years with no late payments or anything. When OH called they told him that there was nothing left to pay on the account and that was that. 2 months later he received a letter from Moorcroft Debt Recovery demanding payment of £33... Just called Virgin...dates below We…
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Address problem! Flat C/Flat 3/First Floor Flat etc!!
Hi everyone, I have a bit of an issue with my address and I would like to know how much of an impact it really has on credit applications etc. I live in a flat, we call it Flat C, there is a C on the door and on the door bell and most of my credit accounts have it recorded as Flat C. A couple just have the house number and…
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Payment taken in error. Now overdrawn with impending bank charges.
Hi - I've posted the full original post in another forum as I thought it might be more relevant there, but I'd appreciate any advice from this one, too. Basically, I've had a bank statement in the post this afternoon from what I thought was a empty and unused, albeit new, bank account. The statement shows that a payment…
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Help - no credit rating
Hi all. Wondering if some of you wonderful minds could help me please? I'm in my twenties -have three debit cards with no over daft. I owe no money other than my student loan and a Government loan (which I pay back every month). I pay rent each month and a gym membership and have never missed payments. My issue is is that…
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UK Credit Reference Agencies Unfit For Purpose and must be reformed - Discuss
The motion is that UK Credit Reference Agencies Have Become Unfit For Purpose and Must Urgently Be Reformed. I have many reasons (and evidence) to propose the motion ranging from poor access control to bad data management and recording of irrelevant and secret (coded) data. Anyone else have strong opinions for or against?
