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Default, incorrectly applied?
Hello and thank you in advance for reading. I joined this site 10 months ago when struggling with pay day loan companies (my own fault) and briefly discussed setting arrangements etc. (part way through plans and whilst there are still dark days, dawn is close) My query today relates to a default I am due to receive on my…
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experian £2 stat report. help please.
Hi. just got my £2 stat report today and it says that I have/had an arrangement on my santander cred card with a start and end date 04/13 and 05/13 . I missed a cuple of payments bak at the start ot 2013 but have never set up any formal arrangement. I just paid all the arrears up. Through reading this site I know…
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equifax cancellation
Just tried to cancel my equifax membership during the free trial. They will cancel but it will take immediate effect, so you won't get your full 30 days free. So, don't waste money calling them at premium rates until you are ready to lose access to your account.
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Bad Credit CC post DRO
Can anyone please tell me how long is acceptable to wait before a suitable chance of being accepted for a poor credit cc? I have been d/c for about 5 weeks and would very much like to sort my credit file out!! I did a soft search on MSE but the likelihood of ANY bad credit cc was 0% (as I was expecting TBH!!). A bit…
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Credit Builder Cards, Too Many Harmful?
In my quest to improve my 'credit score' before a mortgage application next year I decided the take out some credit builder cards, 3 in fact, with the intention of sticking my weekly fuel on them (£30), and paying them off straight away. I backed this up my setting a direct debit to payment in full on all cards. On the…
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Application effect on credit report
I have always been under the impression that EACH & EVERY application you make for credit affects your credit report. If this is correct can it be affected by the success or failure of the application - eg a refusal for credit means a minus and success is a plus. I don't know why I have this impression but can someone…
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Credit card - Lowering credit limited
Hi All Although I don't have any issues with my credit file, I am thinking about lowering my credit limited on a couple of my credit cards, e.g. One has a limited of £5000 which I will never use/or need. I have the option to lower it online and was thinking of lowering it to say £500 . Does something like this, does it…
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Credit File and sorting myself out
Hi I have now been struggling with credit and getting behind on payments for the last ten years, I have been in and out of DMP's and had payday loan after payday loan, however recently I recieved my first CCJ have decided enough is enough and I want to start to get my finances straight. I have signed up to Noddle.com in…
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Zero balance - close or not ?
Son has 3 credit cards and all have been serviced by him wthout any snags. He can now pay off all 3 in full. Having done that should he close the accounts and does that have any effect on his credit file. Thanks (I have said to him to keep one open)
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Credit card with CCJ help
Hi people, i'll keep it as short and sweet as possible. In the past i've had a CCJ, but settled it 5 and half years ago , the record of it leaves my credit report in august this year ( when the 6 year limit is up ) . But i wanted to apply for this credit card BarclayCard Initial I used the MSE guide and this came up as 80%…
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Default date amendment. Any chance?
Looking for experiences or expert advice in this one please.... I'm hoping I might have a case here but the ICO guidelines aren't that clear (to me anyway). Ok, here's the story. December 2010 I enter a DMP with payplan which ended December 2013. In this time I paid my plan religiously and even upped payment at reviews.…
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When is a default put on your credit file???
When is a default put on your credit record?
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Experian could not take payment from the account
Hi All, I wonder if someone could help me in this matter. I am in the process of buying a property and signed up for free trial period last month with experian. Today, when I called them to cancel the subscription I was told that I am already past 30 day limit and would be charged for one month at least. Person on the…
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What exacty constitutes "utilisation"?
(Sorry if this has been answered before - I searched and couldn't find it.) Does anyone know exactly what does and doesn't count towards "debt utilisation" e.g. which types of financial account? - Mortgages I know don't count. - Credit cards obviously count. - Overdrafts presumably count? - (Unsecured) personal loans...?…
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Default removal after 6 years
Hi Just after a quick bit of advice. After having settled a number of defaults over the years, I have got myself into a pretty good situation in the last few years, we are planning on buying a house and want to get an AIP as soon as possible as we hope to find something asap, we are just waiting for my credit file to be…
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Mortgage Payment Plan
I need help as my credit score has been affected by something that was pre-arranged with my mortgage provider (Halifax). In 2012 I had been made redundant from my job and decided to start my own business in early 2013. As it was the first year of trading and still a start-up, I was unable to pay myself a salary but still…
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debt being collected from a dissolved company
Hi need advice I had interior works done in my flat by builders in 2007 the work was given to a contractor who brought in the various builders to the work that was required it was all done without a contract . The contractor disappeared at the end of the job didnt finish snagging list and did not get payed the final amount…
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Arrangement to pay
Hi everyone. Just want advice on how to word a letter to Studio regarding my 2 accounts that were on AR until I put them back onto normal payment terms this Jan. On Noddle it shows them as far back March 2008 as recorded as AR and I'm sure they went back further than that so I think that if Studio had just defaulted them…
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Improving Credit Rating - Old Debts...
Hi I have just secured permanent employment all in a bid to actually improve mine and my husbands financial status and credit rating. We are prioritising debts to be paid with high priority being council tax, gas, electric and low priorities being old debts like loans before we met each other. My old loans and credit card…
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Partial Settlement Vs Full Settlement
hi i hope someone can help with some advise. i've been with DFH on a debt management plan for 3 years with just under 13k still owed, i've been reasonably happy with the service, i am now in a postition to settle the debts and after speaking to someone in the DFH settlement team, i was told that if i gave them a lump…
