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My credit tracker
a few weeks ago i came on MSE to look for a credit check website as i had already used experian and the other popular ones, and i saw one called my credit tracker it was free for 30 days and then £7.99 afterwards, i received an email saying i would get all my log in details thru the post in the next 5-7 working days. this…
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Next Directory and My file
Hi, I have been on a debt management plan since i was 20 - 10 years later i was completed this and paid approx 35k. Im trying to build my credit file and CCJ's i have have been paid and after the 6 year period they have gone. The only bit I have left is the Next Directory every month since approx 2005. So no CCJ just they…
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CRA'S/dca's-can they search Council Tax registers or contact DWP/HMRC?
:beer: Hello all. Quick question. 6 1/2 years ago had to go bankrupt (long story but mortgage shortfall I wan not aware of coming back to haunt me) on the advice of the CAB/National Debtline. The bankruptcy will drop of my credit file in July next year (6 years after discharge). I'm at a new address now which is not linked…
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If our son came to live with us - his debt
Our adult son has been through a difficult time, he has debts basically as a result of having to close his business down so having no income. Finally things are looking up and he now has a job and is able to start looking forward. I do not want to go into detail but if we allowed him to use our address and live here…
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Callcredit charged me £12 for nothing!
Last summer I obtained online access to my credit file with Experian and Equifax which was all fine. Then I tried to get it with Callcredit but they couldn't verify my ID so I remember I just closed the internet browser and forgot about it. Last month I found out they charged me £12 for the subscription even though I never…
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Desperate for help
Hi I am still having such difficulties getting 2 companies off of my credit report . I cant get credit anywhere due to this and I am raging. The companues are Style fiance and hillsden securities . I have wrote letter after letter nobody gets back to me . Please can anybody advise me ? Many thanks
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Natwest Default on my Credit Report
Hello, This is my first time on here and it has been bugging me for a while now and would like to ask for help... Back in 2004 I was at uni and had a Natwest Student Account with an overdraft. In 2008 I finished uni and was starting to pay my £3,000 overdraft back. I didn't have a lot of money but I did make payments when…
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Lowell Portfolio chasing apparent t.mobile debt
Today I came home to discover a debt collection letter from Lowell stating I owed a debt of £39.02 from EE limited, formerly T.mobile. I was totally confused as I am with EE and all payments are done via direct debit. I contacted them straight away and it turns out it is a debt from 2008 when I had a t.mobile internet…
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Experience of Experian monthly free trial offer
Hi there, just to share my experience with you all perhaps as a cautionary tale. I took out a free monthly trial with Experian to check my file. The access was easy and useful to see where i was. After consideration of whether to keep going after the month's free trial ended, i decided that £178 per year (£14.99 per month)…
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Default for £57
Hi I have a default for £57 is it worth making them an offer to clear it from my account? Will it actually make that much difference? Thanks G
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Default advice
Hi I'm sorry if this is a long post but I really could do with some independent advice regarding a default on my credit file. In brief, last april (2012) my husband was declared bankrupt and at the time we had a joint account (with overdraft) and loan with Natwest, this was around £13,000. As soon as this happened I…
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Different company adding the same debt to credit file
I used to bank with Lloyds and this particular issue goes back to the tail end of 2007 to early 2008. My account got changed (I did request this and sign the paperwork as previously my account had a visa electron card which wasn't of much use at the time as it covered me from 16-18 and worked in the cash points around…
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Why did T-Mobile carry out five searches?
I recently applied for a new mobile phone contract with EE/T-Mobile. After receiving my credit alert from Equifax to say there had been a change to my account, I logged in to find that they had carried out 5 searches - is this normal? If not, what should I do?
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Old Default accounts being updated.
Hello all, I'm looking for a little advice here, To cut a long story short back when i was 18 i did some pretty stupid things when it come to credit, phone contracts etc but worst of all i took an overdraft from Lloyds TSB. Anyway, The overdraft was around £1250 if i remember rightly This went into default when i become…
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Mobile Phone Contract For The Sake of Improving Credit Rating
Ok here is the deal with me. I am trying to build up my credit rating in the next 2 years. I have checked my record and been rated "Fair" by Experian (740, not that it matters). But I want to to get it into the Good/Excellent in the next 2 years because I want a Mortgage (Get on the Let market is the dream). I am on the…
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New CCJ
Hi, A friend received notice of a new CCJ yesterday for a CC debt. He doesn't think he received any pre-notice of court action - or if he did, didn't understand what he'd been sent. I don't believe he denies the debt but wants to know if the issuing of the CCJ can be challenged. If not, he has no idea what will happen now…
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Employment credit checks!
So, now I'm panicking, I've just been offered a new job, I just checked my credit file, and no surprise my current score is 'poor'. Anyway, then it dawned on me my new employer will probably run a credit check! Is this going to cost me my dream job? I have no defaults, CCJs, or anything like that, just the big sum of debt…
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Removing CCJS
Hi there, I'm new here & looking for advice on removing CCJS from our file?! Long story short, we had a dispute with Lowell who were chasing us for money that we had never owed! It seems Virgin originally were attempting to get us to pay money owed on a property we had long since moved from (even though we notified them on…
