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credit file item - can I remove by paying?
Good morning all, hoping for some advice and it looks like this is the place to be! After a really rough 2011/2012 I have spent 2013 clearing some debts and getting everything in order so that I can (hopefully) get a mortgage and move house in 2014. All is going to plan so far (ish...) Having obtained a copy of my credit…
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Credit card company mistake - impact on my credit rating?
Hi In December 2012 I paid off a credit card and requested it was shut down. The credit card company didn't actually shut my account, they left it open with a £5k 'available credit', although my balance was zero. I discovered this mistake and contacted the company who assured me they would sort it and write to the credit…
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changing details/ which cred agencies?
hey guys I got a ccj set aside. I need to inform the credit ref agencies. I will send the order certificate to them. Experien, Equifax are two ill write too. what other should I write too? also how long do they take to correct the details?
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Financial Dissociation
Hi All, First post on here so want to say hello first of all :) I have a question about financial dissociation if anyone could help please? I divorced earlier this year and have just closed a joint current bank account we held with HSBC (no money in it, no direct debits, no overdraft, basically a dormant account). Will…
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When will I see daylight with defaults?
Hi All, it's been a while since I've been on here and it's mainly because I haven't been able to manage my finances properly. However I have made a sharp turn and have made a decision that will benefit me greatly. However even when I think down the road and clearing my debts, the defaults still linger over me and I was…
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Does Danbury mint report to any agencies?
Evening all, I wanted to check if anybody knows if Danbury mint (danburymint[.co.uk]) reports to any of the credit agencies. My wife has bought an item from them, which is to be paid in 5 installments. This in itself is fine, were we not waiting for completion/exchange on a house purchase with a mortgage. I don't really…
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Is there a time limit for sending default notice?
Hi, please could somebody tell me how long a Creditor has to send a default notice-is there a maximum time limit? Thanks in advance.
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Any advice on my credit file?
I have spent a long time waiting for my credit file to become clean and next week my last default drops off so I will have no late payments, ccjs or defaults against me : I have a few Credit cards with smaller balances but on high interest rates that is like to see if I can get a 0% deal. I moved house 4 months ago, I'm on…
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Unknown CCJ on credit file and issued to incorrect address
Hello all - am new to this but thought I would share my current issues with credit profiling... I just found out that a CCJ was issued against my name at an address that I have never lived at nor do I have any financial connection with. I did a search of my name with Registry Trust Ltd and found a CCJ against my name at an…
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CCJ removed of my files/ set aside... now what shall I do?
Last week I had a court hearing and had succesfully had my ccj REMOVED of my account (set aside). Judge also said he will cancel the orginal order , as if to say there was none at all, cus I have paid the money off. Anyways how long does the whole process take for it to completely? to remove of my file? Do I need to…
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Isme.com could not find my address so refused credit account
I hope this is the right place for my question I tried to open a new account and make a first order with isme.com. During registration when I put in my house number and postcode it said it could not find my address. I had to put my address in myself but as I went through the process it then said I could not have a credit…
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Confused about old CCJ and new default
Hi I posted recently regarding my situation and that of my husbands. I have been digging deep and looking into any debts owing in my husbands name as he has mental health issues. I dealt with his debts a few years back, got medical evidence and sent letters, copies to each debtor offering payments to clear. Many was paid…
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Insurances
Out of interest has anyone ever had their pay monthly insurances reported to CRA? I've used quite a few different car/contents insurance providers over the years on a pay monthly basis and have NEVER had them show up on any of the 3 CRA reports. What's your experience?
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Electoral roll - Improvement on credit score?
Hi All, As some may be aware, I'm currently under a DRO and looking to repair/improve as much of my credit report/score as possible. I've looked at experian and equifax, I'm happy that my credit score has managed to be improved further Experian up by 100+ points and Equifax by 36 points. Although small improvements much…
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Help interpreting the credit file
Hi guys, I was wondering if you could share your pearls of wisdom and help me interpret my credit file. I know every lender makes their own decisions but I have no idea what to make of my credit file. A bit of background, a few years ago I was a bit naive and disorganised so missed a few payments on one particular card…
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Summons - best way to respond?
I've received a summons regarding an unpaid water bill of £1300. I intend to pay to the full amount owed, but the earliest I can do this is the 28th of December. The date of the summons is the 2nd of December, add five days for the service date (7th), and 14 days to respond, and that means I can't pay in time for the 21st.…
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Barclaycard AR on credit file
Hi I thought I would tell my story about Barclaycard, I went into a DMP with Stepchange in 2007 and each month since then Barclaycard have registered AR (arrangement to pay) on my credit file, which you may know means that it would not drop off my credit file for 6 years after I had made my final payment. I called them the…
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Ombudsman Verdict
Hello All, Absolutely gutted. Since September 2013, been challenging Bank of Scotland (trading as Halifax) regarding a default which was placed on my account in Oct 2009. I discovered this default with a credit check on September 4th 2013. Having kept all the banking files relation to this situation, I was never sent a…
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I can't get a current account anywhere...
Back in 2010 I was unknowingly involved in fraud on my Barclays current account. What happened was that, I was 18 and applying for jobs on gumtree, and doing so I got a reply. They sent me an application form in which I filled in, with my bank details too. I didn’t know what I was doing, but did everything they asked…
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Question about the 6 year rule
Nothing specific but dropped into this part of the forums and was wondering if some one defaults on something and is a day short of the six years from it dropping off their file and the debt is sold on is that another six years to wait ? Thanks
