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Satisfied Default and Further Credit?
In October last year hubby had a free trial of Experian and got his credit report which despite a default from back in 2009 (default in 2009 because we were struggling back then and the credit card agreed to freeze the amount, not add further interest and take £70 per month) came up as "Good" on Experians overview page. We…
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One creditor not reporting to my credit file
I have been cleaning up my files and rebuilding my rating for a number of years now. I have noticed though that although I have had a secured loan with SPML, now serviced by Capstone and branded Eurosail for over 7 years they dont appear on my credit file. Any ideas as to why that may be. I have always paid on time so…
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Global Debt Recovery Ltd
I had a letter from Global debt recovery today, stating that they had been instructed to recovery debts from their client. No mention of the client just an account number. I believe that this company acts for Alliance and Leicester. I had a mortgage with them 20 years ago which I then lost my house. I have had no…
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New c card application + rejection
Hello all. Wonder if you can advise about two questions regarding my credit file. 1) I want to apply for and get a new Balance Transfer credit card. There is a limited window for me to do this because I am on the electoral roll currently, but I won't be before too long - as I am moving somewhere new, and it will take time…
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What to do about unexplained search?
Equifax alerted me of a new search on my credit file which I did not make. Is this a soft search? I definitely didn't make it.
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Good Credit Report But Refused Credit
Hi all, just trying to figure what might be happening. I applied for a credit card but was refused and the bank would not go into details of why. Applied for a Very account and again was refused and they declined to supply details. Being concerned something unknown might be lurking I signed up to both Noddle and Experian…
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Credit file clear but still refused new mortgage
Hi - any advice welcome! I was turned down for a new mortgage (from a joint into my sole name) on Monday due to credit score. I was very surprised as all I have is my joint mortgage (every payment made on time) and my very low Very account, every payment made on time. Credit file ordered and a default discovered for £39 to…
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credit file help
hi I am hoping you will be able to give me some advice regarding my credit file. ive got an outstanding debt with w***a for 1145.00. the original debt was 450.00 but they've added charges resulting in them saying I owe them 1145.00.at the moment there is no arrangement in place as they keep asking for unaffordable monthly…
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Head now out of the sand, but where and how do i start?
Hi All, I have been putting off sorting out my finances for years (10+) I have defaulted on credit cards, not paid bills (water, gas) I have reneged on payment plans, and not paid council tax, I have left bank accounts in the red and just opened a new account. BUT NOW I WANT TO SORT IT ALL OUT AND BE RESPONSIBLE AND ENJOY…
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Automatic CRA feed to banks
Hello Does anyone know - do banks (and other financial institutions) subscribe to automatic updates from CRA's? For example do Natwest automatically get a monthly feed from one or more CRA's on me if I am an existing customer? If so, does anyone know when the update is received? Or do they perhaps credit check you only…
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Could 3 credit cards hurt my credit file?
I am trying to rebuild my credit following Bankrupty (BR) in spring 2010. Although I have no real need for any credit cards (I now earn a good salary and have a good amount of disposable income available after rent and bills) I've taken out 3 cards (Vanquis, Aqua and Capital One) in an attempt to rebuild my credit so that…
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Mortgage arrears and credit files
Interested if anyone can offer an informed opinion. I have just re capitalised my mortgage as I had two years paying the interest only anumber of years back. As a consequence of this my credit file up to September reads as 6 or more payments in arrears, technically correct. However, I have over paid every month on that…
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Living with someone with bad credit
Hi, We plan to move in with the wife's mum for a while - a year if we can last it - in order to save money and pay off debt. However, she has a bad credit rating .. really bad . . . she gets rejected for credit all the time How will this effect our personal credit rating? Ideally, we want to save enough for a deposit for a…
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Puzzled About credit reports
Hi I am really confused with credit reports i have signed up to Experian and Equifax both say i have a really good credit score yet get refused by any lender we apply to which concerns me as soon i may have to change mortgage I was in an IVA which was completed over 6 years ago now which dont appear on the reports so i…
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Defaults
Hi and it's been a long time since I've posted on here so please be gentle with me. I've made lots of mistakes in my life and trying to get myself on the road to recovery,which incidentally I am.i was married for 14 years and got divorced after I started to gamble and couldn't stop,I told lies after lies after lies until…
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Electoral Roll Info
Hi All, I am recently divorced trying to get my life back on track. I have been given a mortgage decision in principle for a small home for me and my girls. I am worried that moving around etc would have negatively impacted on my credit rating so I have been on Equifax (the company my lender uses) to check things out. My…
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isit unfair dismisal???
I withdrew wat my balance on screen said then was harrased by a llyods member of staff who demand I return the cash in full which I did then I was removed out of bank extremely aggressively
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Accidentally ruined credit rating
My husband and I both had perfect credit scores (if there is such a thing) but I cancelled a direct debit to Santander Cards thinking it was an old card we were switching debts from when it was actually our DFS sofa agreement. The first we heard of it was when a collection agency wrote to our old address, seven months…
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Having info on credit file corrected by lender - where do I stand?
Hi there, I am new to this forum. I took up a cash loan a few months ago with Providemt (a door step collector) as I needed cash for something at short notice and it seemed an easy option (definitely avoid). My agent did come at first every week as planned and then on occasion I weren't in/didn't have cash on me so I…
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Final DMP payment today! Now what?!?
Hi everyone! I'm new so bare with me!! So I've been paying my DMP now for a while. I decided enough was enough so I sold the car and paid if off, and as of today it's clear!! Hooray!! Ok, so now me and my husband need to build our credit back up so that we can save money for a deposit for a house. This is going to be hard…
