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Arrangement on Credit Report
I would like clarification on the addition of the term arrangement on my credit record with Hitachi finance. As I understand it the term arrangement means that 'The lender has agreed to vary your payments for a time'. I have not changed my payment amounts or term of payment with Hitachi. Hitachi have said the term…
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How Long Do You Reckon...
... it will take for my credit file to reflect the following changes?: Tesco loan settled in full on 20 December 2013 (early repayment of a 2 year loan, 8 months early). Sainsburys loan opened on 5th December 2013 - first payment made to this on 3rd Jan 2014. Ideally I don't want these loans both showing as open on my next…
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credit expert
I have a card payment coming out from credit expert and I cannot seem to cancel this. I have changed my bank debit card and tried to contact the company and my bank but to no avail. This has been going on now for a few years. Does anyone know how I can cancel this?
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How to get a full credit report
Hi- I have just obtained a credit report from noddle - but all I can see is a credit rating? How do I get to see full report? Sorry if this seems a stupid question! Cheers
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bank credit rating. a little rant
I was looking to get a buy to let mortgage this year. I was going to go to my own branch,maybe not now. Read this little gem!! Went to bank last week(bank of Scotland) don't know why,but still had a dormant account with 2p in it!! I asked for it to be closed! I was informed that there was an indication on the account so it…
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Small claim - CCJ?
Hi, I've had my ex-landlord make a small claim against myself and my ex-flatmate as we disputed the amount of desposit they wanted to return to us and they refused to go down the arbitration route. I'm also currently in the process of buying a house so need for nothing else to appear on my credit report at all in the next…
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Help with credit/electoral roll!
Hi everyone.. Looking for a bit of advice. I'm 23, and have only just started 'using' credit, I have 2 mobile phone contracts and a current account. I accessed my credit report, having been declined for a credit card, it was with Experian and it was showing as very low - although all my credit accounts were green (they…
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2nd job tax??
Hi there, I currently work a full time permanent job earning £12800 p/a. I recently started a 2nd job which involves Data Scouting at football games. Problem is I've been there 3 months and still don't know how to go about paying tax on it. I am paid into a pay pal style account, I am self employed, I am paid in Euros as…
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Inaccurate information on a credit file?
I have a defaulted account on my credit file which I have always attempted to dispute but failed - Other than this default my report is absolutley perfect. I have noticed today that the defaulted account has my name spelt incorrectly - i.e. They have added a letter to my first name which doesn't exist. Is there anything…
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Defaulted account now marked as satisfied (I'm confused)
Hi everyone. Ok, in september 2013 I wrote to Lowell to make them aware that a particular account was statute barred as from the previous month. I had a letter from them saying that this was infact the case and they will not be contacting me any further regarding the debt. I have just checked my credit file as I assumed it…
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How long should I wait before reapplying?
Hi all, this month (7 Jan 2014) I've applied for a copy of my full credit file and taken out a new credit card on Saturday (today's Wed). That's two searches in a week and I don't want to put any more searches on my file than I need to. I also need a loan. How long should I wait? A week, a month?
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Credit check in USA
Hi, just a quick question about credit checks in the US. When they run an equifax credit check does it come up with your credit score from UK? I'm trying to work it out as a credit score is a credit score at the end of the day where ever you are, but just wasn't sure if it shows up from overseas. Thanks
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No Credit For 6 Years
Thinking of a mortgage.... My credit record over the last 6 years will show that no credit has been applied for or granted. My bank does not report to the CRA's...Giffgaff does not report to the CRA's. I am registered on the electoral role. So I have shown that for the last 6 years I have been able to run my financial…
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Store card default
Hi all, I'm new to this site, and after reading some other forum threads thought you might be able to shed some light on my situation. I'm currently looking at buying a house with my partner, we both make a good wage and together can both afford our dream home you could say. However, this is where the problem lies. My…
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Late payments show up on credit file?
Hey guys, I'm told that late payments appear on ones credit file. Is this the case for payments that are 2-3 days late? I ask because on my Noddle credit file, I can see I have a couple of markers (for a now closed account) that say "payment was up to 1/2/3 month(s)" late. However, I know I've been late settling another…
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Smile o/d and late payment marker
Hi I have a Smile (Co-op) account with a £500 overdraft. On my credit file it shows as green ticks/blobs as far back as I can see. Over the years I have usually been up to but not over my overdraft although once or twice I probably have gone over a little. I notice though that in one month last year when I went over my…
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Active account versus Settled?
Hi all I took out a small payday loan for £50 back in May 2013 with Lending Stream (they use Experian and Callcredit btw). I paid it back early actually as I only needed it for a few days and £62.50 was cheaper than an overdraft for a few days. Anyway I note that it shows as green blob and settled with Callcredit but with…
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CC minimum payments
I've read before that if you make the minimum payment on CC it is noted on your file. So if I set up a DD for minimum payment (to ensure I don't forget to pay it) then if I was to also make another payment does the ''min payment'' marker still appear. ??
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Should I close unused accounts?
Sorry if this has been covered I have looked but sever lack of sleep means my brain won't work properly! Ok I just signed up to Noddle to view the credit file they have on me. Surprisingly none of my 'old' debt is showing (I have 2 ccj's I am paying at a ridiculously low rate from years ago and some other debts that were…
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Who regulates Credit Agencies and Debt collectors?
So I have been unemployed and struggling for quite some time now. A big part of my problem is that a lot of jobs I apply for run a credit check, and I knew my credit wasn't great but I have no outstanding debts so assumed I would pass a vetting process. I actually got offered a job some time ago and then got a call later…
