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The have low credit, cant get credit to improve credit TRAP!!!
Stuck in a trap of not being able to get a credit card or any form of credit to build my credit up. Even the poorest credit cards wont accept me!!! Has anyone else been in this trap and if so how did they escape? How can I build credit when I cant get any? What can I do? Is it a case of waiting it out? Checked my equifax,…
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HELP!!! CCJ with welcome Finance
Hi, I'm a little confused with what i have read on the internet so thought i'd put a post here for help I've recently done my credit report and wanting to sort out my debts, i've got 6K worth of debts and then i've a CCJ on there from Welcome finance from 2009 for just short of 7K! i originally got a loan for £1000 in 2006…
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Same account, two different default dates!!
Hey guys! Just a question! I have a default for £1,613 (All paid and settled) from Lloyds which was passed onto Mackenzie Hall. The default date for Lloyds was 04/06/2008 and the default date for Cabot Financial (Uk) LTD was 15/04/2009. Is this correct? - can the collection company had a different default date?. Please…
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Credit Check - Dealing with Identity Fraud
I recently was a victim of identity fraud where I was signed up to several mobile phone contracts. Since this, I now have bad credit rating, how do I go about getting my credit rating resolved? I have informed the mobile phone companies but it seems to be very slow to get them to do anything and it is out of their hands.…
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Address Reporting
Can you request your bank not to place your address information on your credit file? Also same goes for electoral role, can you request that you address information is not shared on public databases?
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old mobile phone accounts showing on credit file
Hiya, just wondering do closed mobile phone accounts stay on your credit file for the full 6 years or can I have them removed seeing as there no longer in use? Thanks
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How to update "default" status to "satisfied" post Protected Trust Deed
Hi everyone, I'm sure this has been covered elsewhere before but I have been reading so many articles etc on how to do this that I'm now completely confused! I was discharged from my PTD early Novemeber 2013 and have just signed up to check credit files with the main 3 agencies- I wanted to make sure all previous credit…
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Help with credit scoring please, new to the system.
Hi All, Recently me and my boyfriend were looking to start saving for a mortgage, won't be looking to buy anything until a few years yet, however, we were interested to see what current state our credit score is in. Using the advice from the site I checked it on Experian and Equifax. On Equifax is stated "fair" and on…
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6 year rule
Just a quick query on the 6 year rule. I had a Santander loan which i fell behind with payments. Will the late payments stay on my file for 6 years since the missed payment or 6 years since the loan was settled? I have no missed payments in last 4 years but loan was only settled last year. Will missed payments drop off in…
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Experian credit account status
Quick question please. Just looking over my accounts on credit expert. There are three accounts all relating to credit cards that were settled in 2009/2010, however the status is blank, where as my other settled accounts show the status as satisfactory. Is this something I could ignore? Thanks
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Credit Default
Hi, Hoping someone can help me here, bit of a long story so bear with me :) I was recently turned down for a loan so did a credit check on myself and found I had a default listed on my account from 2009 for £470 (wasn't there 4 months ago), seems it was an old loan I had from 2004 which has been sold on to Arrow Global. I…
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Rejected for Card - Why and Suggestions?
I'm sorry if this topic has been flogged to death but I hope that someone can answer me easily. Last year, as a result of this board, I decided to do some stoozing. It's all gone very successfully and I have now got quite a few credit cards, all maxed out, all being paid the minimum amount by DD. The money to pay these is…
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Moving abroad and my credit rating
I may be moving to France from the UK later this year an i'm just wondering how this will affect my credit score and if there is any advice to maintain it. I will need to open a bank account there, but should i keep my UK account open, and my UK credit card? Will my Bank (HSBC) and credit card issuer (Barclaycard) allow me…
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6 year rule from account start or default date?
Hey folks, Just wondering if you guys could shed any light on this. I have an outstanding amount of £450 with HSBC (but MKDP have taken the balance over) from an account which started in 2004. The default itself was issued in 2010. Does the six year rule of it going off count from the account start or the default date…
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When is a credit application not a credit application?
I have had a current account with the Halifax since 1996 and on Friday my wife and I decided that we should have all household bills in one joint account. Now, the way to do this is to open a new current account myself (as I'm the customer) then add my wife (as a new customer). I specifically requested NO overdraft…
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Credit report query
My partner has an arrangement to pay and debt management program dating back from Sep 2010 to March 2013 that is affecting the credit score, however these have been paid off and the account has been in credit since and they are still using the account. My question will the statuses harming his score drop off his report 6…
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Bargaining to have a default removed.
Good afternoon all, Has anybody had any success with bargaining to have a default removed? It is with MotorMile and I have £60 to pay off which I have been in installments, but I can now afford to pay it all off in one go. If I do reach an agreement with them, what safeguards can I put in place to make sure that they don't…
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To open joing acccount mean joint credit rating?
Me and my partner are wanting to open a joint bank account that we plan to use to pay bills. We have been accepted from nationwide. However, I read somewhere that if one has a bad credit rating it effects the other? Basically I have 1 default but a score of 919 so good. My partner has 1 or 2 defaults and apoor credit of…
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Should I lower my credit limit?
Hi all. Hough I am an avid reader of the MSE forums, I do not post much, so please be gentle with me. I have a question about credit scoring. I am going to be buying a new car soon (before end of Feb), for which I will need about £3,500 - £4,500 credit. My credit rating is good, never missed any payments etc. However, I do…
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noddle question
hello, this might seem like a silly question but I signed upto Noddle and looked at my credit report, is the credit report I see the same as companies see when I apply for credit, as I was wondering why a debt from 2002 was not on there?
