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Horrendous Credit History
My credit history over the past 4 years is absolutely shocking due to a gambling addiction. I've applied for hundreds of loans, some accepted, some declined. I've also missed payments and had collection notices issued but never a CCJ. Basically I've still got £3000 of loans outstanding which I will have paid off by…
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Basic account effect on good credit rating
I am fortunate enough to have an excellent credit rating, which I naturally wish to preserve. I am thinking of opening a Basic Bank Account (prob Barclays), in addition to other current accounts I hold. My reason for this would be online security (I currently only use a credit card online for protection, but now wish to…
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creation finance
right ok last week applied for online finance for a dell pc through creation finance I was refused ? redirected to Equifax im at a loss here as to what's going on im a 47 year old home owner got car loan gas electric water council tax the lot never missed a direct debit payment two credit cards one with nothing on the less…
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Would this letter be okay for the credit ref agency?
Okay guys as you guys may know I have recently had my CCJ removed/ set aside from my credit reference. I have now recieved the certificate to verify this. What shall I write to the credit reference agency. would something like the following be sufficient? 'I am writing to to request you to ammend my credit file. I recieved…
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Lender cant access Credit File
Hi All, Just bear with me on this one. After much shopping around, I went through one of those profiling websites that recommends the best Credit Card for you based on your profile and not surprisingly I chose the top provider's product who after an on-line application said they would contact me with a decision within 4…
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AR - settled last year - adverse effects?
I finished paying off a Debt Management Plan last year, which started way back in 2007 due to circumstance at the time. Looking at my noddle report now: A couple of defaults fell off accounts that are settled. Arbitrary score is 4/5. So my credit file looks like this: Open: - Current Luma card (all greens) - Current…
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Jacamo.. WT*?!
Hi Guys! So I opened a Jacamo account 3 months ago, and they initially gave me a limit of £125 (better than nothing), they credit checked me and i thought, ok so It's there if I ever want to order from them. Yesterday I ordered some aftershave, around £60, then today I get an email saying they wont provide credit and I…
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How did a CCJ dropping off affect your credit file?
Hi I am new to the forum but find it very helpful so far. I have a CCJ which is dated end of January 2009 and so this will disappear from my file at the end of January 2015. In the summer of 2014 I will get married and I hope to buy a house. I was just wondering what experiences people had of how much your credit rating…
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Unusual situation- your thoughts?
Hello, First I'd like to thank all the members of the MSE forums for the very useful information shared here- makes for some very interesting reading! I have a couple of questions that I was not able to find answers for searching previous posts, so I thought I would sign up and ask- any advice or information would be much…
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Halifax Financial Services
Hi folks I have searched this forum and google without success so thought I would ask the good folk here for advice. I received through the post a letter from "Halifax Financial Services" The following is the text.. We are trying to trace xxxxxx who used to live at xxxxxx with whom we are endeavouring to reunite with their…
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Default preventing employment
Hi folks, First time posting as I'm looking for some advice on an issue I have with a default on my credit file. The default is from the student loans company and was issued in June 2009. They wanted me to start repaying the loan however I wasn't in a position to start paying them the amount they requested. I offered to…
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Unpaid ccj just over 5 years old
Hi all, I am new to this and hoping that someone may be able to help me. I have been trying for 5 months now to improve my credit score as it was in the very poor category on Experian. This was because I was deep into my Vanquis Credit Card limit (£3000 Limit), although I have never missed a payment since having the card…
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Credit score damaged by new mobile account
I recently bought a 3G dongle because I was moving to temporary accommodation where there's no wifi. I've just checked my credit score for the first time and listed as a negative factor is this new mobile account! Shouldn't it be explained at the time that this could happen? I knew applying for credit cards etc would…
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Noddle Credit Score
I use Noodle to check my credit accounts. They now offer credit reports for a small fee each month. Does anyone use these and are they any good? My debts are all paid off now (or a payment plan is set up), my phone contract is always paid ontime and my bank account is never overdrawn and yet i still have a report of 1/5 on…
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Wonga!! So cross :(
Just opened a Noddle account to check out what it looks like, and a company called Quickbridge (who i believe is Wonga according to the net) are showing as a live account for a £60 and as a late payment??? I haven't had a payday loan for months - I'm steering well clear - but i have absolutely paid every time, on time, and…
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Joint CCJ possible?
I'm currently being taken to court due to a joint tenancy agreement (ex-housemate didn't pay rent for a number of months, the landlord has taken all of our deposits and is taking the rest of us - non-paying tenant has disappeared - to court for the outstanding £1000 or so). There are 4 of us named on the court papers - so…
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"Outstanding Query" on Equifax re: Very credit account
Hello, I would be grateful for advice. :) I have just checked my updated Equifax report and this is showing all payments up to date until November, which says 'Query Outstanding'. In November I made two payments of around £40.00 - £50.00 on the 4th and 9th. In a previous post I mentioned an issue where in October, I paid…
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Messed up and issues galore!
So I did too many searches this month because I was looking around for a new CC. How much do they dock my score realistically? I didn't realise what they would do and I am looking to get a PCP car loan in the next 3 - 4 months. Have I ruined my chances? Also - I just realised that Experian (grr) put a default that I…
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Defaults and missed payments
Is there any way of getting rid of missed payments on your credit file ? I lost my 40k per year job in March 2011 and I had just started a business but it was going to take time. So that I did not miss payments I was advised to go on a payment plan..which I did through Smooth Financial. They unfortunately took the money…
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privacy guard crdit report
hi guys i have recently signed up to privacy guard which i have done through my current account with natwest. now after checking my credit report it says i have a credit score of 763 which it says is fair but the only thing showing on my credit report is my nat west account but i know there is a hell of alot more than that…
