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applying for a joint mortgage with 1 bad credit
Morning all I'm new here. I've become a bit addicted to MSE since I've been saving for a mortgage deposit. I've had a mortgage before and have a decent credit rating - no defaults or anything. My partners credit rating isn't so great. No CCJs but defaults and debts that have been escalated to collectors (but no real action…
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Going over the credit limit tempoarily
Hello, I am going to Florida in the summer. My credit limit is £250. However, the car hire company will swipe through $400 + the currency fee, which will be a matter of £'s. The questions I have are: 1) Could I immediately put in money from my debit card to get it back below credit limit and not get any charge and/or bad…
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CashPlus Credit Builder pay off?
Good evening everyone. I've had my Cashplus card since November 2013 and they are duly putting the nice green marks on my credit file each month but I've just had a Vanquis card and I can afford to pay the remainder of the CashPlus off here and now but is that wise? I'm asking what is more important? - The multiple green…
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How long do I need to wait?
In early December I took out three mobile phone contracts for my children within a week or so of each other. All low value tarrifs (£8-10 per month). In early January I was passed an old mobile from a friend - I don't currently have a personal mobile phone, and so I decided to get myself a sim-only deal with some talktime,…
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Any success with Noddle amending credit file?
I messaged them due to error on my report with regards the address and it has been about 30 days and still no amendment has been made. One lender got my address wrong when I wrote to update it, they have since updated there records. This was Halifax and they updated them just before Xmas.
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PPI - Yorkshire Bank
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Default from Lending Stream
Hi, I wondered if any of you guys could advise me what to do next? In 2012 I received a debt collection letter stating I owed Lending Stream money from 2010. Apparently the debt was £120 but due to interest was £444.50. I asked for proof and never heard back from them. Then in Nov2013 I checked my credit file and there it…
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Topshop card/Credit score help
Hiya, Tried to open a Topshop card at the weekend, more out of curiosity to see if it would work, and got declined. Had opened a card in 2012 successfully and knew from working in a shop previously that if the card isn't active for over a year you can open a new one (the manager verified this for me). Rang up today to see…
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28 days after dispute
Hi all, Can someone please help me. I have tried to search but have found no definitive answer. I have filed a dispute with equifax regarding a t mobile default that i believe to be incorrect. My understanding was that if after 28 days they receive no answer from t mobile regarding my dispute that the disputed items must…
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Experian (statutory) credit report issues
My experian report only has 5 of my 11 credit accounts ( albeit N&P said that they don't report to Experian- which is rather weird as Experian is the largest of the 3 UK CRAs!). I emailed them and have received a response which I find unsatisfactory- especially compared to Equifax's ASK website which deals with these…
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CCJ mistakenly filed against me - advice?
Hello, it's just come to my attention that I have a CCJ filed against me from 4 years ago. It relates to rent on a previous workshop that was paid in full. I received a letter approx 2 months after I'd paid in full, advising intention of taking me to court. I rang the landlord (Newcastle City Council) and they apologised,…
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Unable to find me at Credit Bureau???
Hi, i've just tried the MSE eligibility checker for Credit Cards and it states 'Sorry, we have been unable to find your details at the credit bureau, please check and try again.' I have only recently opened a bank account and sent my details to the Election office to get on the electoral roll they said that my details…
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Excellent score but can't get a credit card
I need some advice on how to create a credit score. I am in my 40s and for the last 5 years have been lucky enough to not have to borrow any money and cleared my mortgage 4 years ago. I do have 2 bank credit cards that I clear each month but they don't list them on my credit score. My phone is in the business name not…
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County Court Judgement - Papers not received
Unsure of board to put this on so please move if necessary. Long story, will try to shorten it. 2 years ago my horse was taken to hospital, hes insured. Veterinary hospital refused to see him without claim form which was brought along and signed/completed on the night. Horse home, heard nothing more. This is not unusual.…
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Lowell changing dates
Just a quick question regarding Lowell Has anyone had any problems with them changing dates on a credit file? I have had no contact with them, they purchased an old debt - I'm pretty certain they shouldn't be allowed to do this
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2 year Credit Clean up Plan before Mortgage?
Hi all, apologies if this is the wrong place to put this. I have a question regarding improving my credit score in order to apply for my first mortgage. In short I got into difficulties in my teens and ended up with bad credit as a result. I have no CCJ's and as far as I know, any of these problems are now no longer on my…
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Length of time for CCj to move from satisfied to being cancelled?
Hi Thanks for reading. I was issued a CCj on 12th December, thanks to the advice from here I was told about being able to get it cancelled if paid within month of issue. The full amount was paid by 8th January. I sent off the form to the court (N244 - I think) they returned it as I hadn't paid the court admin fee, done…
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Incorrect default registered - advice? (Lowell)
Hi all Some advice would be very much appreciated! I've a default registered on my Noddle Credit report with (which I assume is also there on others - haven't yet paid for the statutory ones from Experian and Equifax). However, I have never defaulted on any credit agreement, nor have I ever had any mail order accounts on…
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Pay4Now Decline ??
I am have been looking to purchase a guitar and have seen one on Anderton's Music online. They even offer 9 month's 0% through a finance scheme called Pay4Now which seems to act like a broker for First Trust bank. I have applied for this and been declined. I am puzzled because the loan value is to my mind quite small. It…
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Default & reduced balance still showing?
Hey folks, As you will see I have a default on my file from MKDP for £144. I recently paid a settlement figure (£280 ish). Now I am wondering, will this £144 always show up and it be outstanding so to speak, as it still says default and not satisfied :( MKDP sent me a letter recently saying: "Thankyou for your recent…
