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A default
Hi, Just looking for a bit of advice really. On the 4/11/2011 my partner and I opened a Credit Sale Fixed term on some professional photos which was to the value of £350 at £29 x 12. Now 0 payments ever came out of my account, and I received a phone call followed by a letter to say that I hadn't made payments for months, I…
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Arrangement to Pay
Hi all, I am preparing to apply for a mortgage and have checked my credit file using Experian and Equifax. Equifax is showing an 'arrangement to pay' for four consecutive months in Feb 2009 and my account settled in April 2010, yet there is no mention of this in Experian. This was for an Egg Credit card which is now part…
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Misassignment of debt - advice needed
Hello all... new to this so hope I am doing this right :) In the last week I have had 2 letters from financial institutions, both informing me that my debt with them has been sold on to a debt purchaser. The letters are addressed to Mr ... (I am Mrs) and neither of the debts are mine. One of the institutions, I don't even…
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Pre employment screening
Hi all, Hope you can help me. I am looking for a new job after 20 years of service with one employer. My credit rating is not so good at the moment due to 2 defaults totaling £350.00. Does anyone know if companies check for defaults as part of hiring a new candidate. I have no CCJ'S or IVA'S. No criminal convictions…
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How long should I use "bad credit" credit card?
Hi, Just wondering if anyone knows how long you should use a "bad credit" credit card for? I've had one since May that I pay off in full each month, I know this has helped my credit as the limit has been increased, my noddle score has been increased and I recently got accepted for a 0% credit card which I have used to…
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Good credit rating - can't get loan
Hi I'm looking to get a loan to buy a car £10,000 My credit ratings with all agencies are good - excellent I have applied for one loan and was turned down and when I use a credimatcher website it does not match me to any loans. Don't want to risk applying again as don't want to risk credit rating with searches. Does anyone…
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Is this fake?
I am posting this on behalf of my brother. I have posted before about PastDue collections and you people were most helpful. We got a reply back from PastDue (having asked them to 'prove it') saying that they would no longer be chasing my brother for the debt and apologised for any upset blah blah blah. Then out of thr blue…
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Looking to move - Credit checks!
Hey everyone, first time posting :) I'll try and make this as short as possible and get to the point. I've lived in my apartment for 2.5 years now, the majority of it alone, and then my girlfriend moved in with me around 9 months ago and we're looking to move to a bigger place. My credit score has never been great. The…
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Cancelling Equifax
A month ago I set up an Equifax account because I kept getting declined finance when I was just looking around for maybe buying a new car (which was actually the very reason my credit score was brought down). Anyway, it's due to renew tomorrow because I forgot to cancel it sooner. If I call up and it's already renewed, is…
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Debt at the age of 13
When I was 13, I created an account on eBay and began selling some of my items. Afterwards, I forgot to pay the seller fee of £0.43 and eBay sold the case to a debt collection company who phoned me up. I ended up paying £10.43 for this, not realising that the debt was not enforcable due to my age. Would this show on my…
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Which card to pay off first..?
Hi all I have two credit cards. One has been cancelled by the bank (MBNA) and I'm gradually paying it off. The balance is currently £1000. The other card (Capital One) is close to maxed out, with a limit of £2500. I'm currently in a postion to clear some debt and over the next two months I will be able to pay off around…
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Refused Credit - Report Showing Multiple Searches?
I recently applied for finance through Kia for a new car. They ran the credit application and it was refused. The salesman checked with his Barclays (financing company) Rep who apparently said that nothing bad was showing on my credit report, I.e. No bad history but "lots of credit searches under my name". I've been with…
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Westcott, default on credit rating, help?!
Hello, This is quite a long story so I'll try and condense it! * I took out a contract with BT for phone an internet * I left the contract early due to relocation into a shared house, in the midst of the move I completely forgot about the final bill (left in Aug 2010) * I received a phone call from Westcott who were trying…
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Black horse finance and if it is possible to have it removed.
I am looking for advice regarding, removal of black horse finance from my credit file. It's in relation to a car I bought in 2003, payed regularly every months for a couple of years, I then had problems making the payments. Roughly about a year or two later the car was handed back. The rest of the debt remaining from the…
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Old debt not showing on credit report, do I still need to pay???
Most of my debt is over ten years old which I was left when I split with my ex... I contacted then CCCS who advised as I was on income support at the time to contact the creditors and offer £2 a month or something similar. This has been going on for years now, Im currently working 16 hours and get tax credits but still get…
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CRA - Rolling 6 years?
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Discrepancies between CRA data
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In debt management but credit file not updated
Hi I am currently in PayPlan debt management for being stupid with several catalogues and credit cards. I have looked at my Equifax credit report over the weekend and most of my creditors have updated my file each month with either "Arrangement to Pay" and some even as "Up To Date" as I am making payments. However, Capital…
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Credit card payment 7 days late....consequences?
My sister has completely forgotten to pay her (small) credit card bill this month, as of today the payment is a week late. She is obviously expecting to pay the late payment fee but will this single late payment have any effect on her otherwise excellent credit rating? She will probably be applying for a mortgage in the…
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DRO dates on file
Date of order: 22/07/2009 | Case year: 2009 | Discharge date: 22/07/2010 Should any of the below dates be changed? Nationwide Account end date: 04/11/2010 Date of default: 22/07/2009 Capital One Account end date: 31/07/2010 Date of default: 26/09/2009 Barclaycard Account end date: 22/07/2010 Date of default: 01/01/2010…
