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Credit Agreement on House Insurance a bad thing?
Hi, I'm in the process of buying a house and have been offered fair priced house insurance which I'll need to have in place from day 1 of ownership, by my mortgage advisor. I have the option of the annual payment (£227 for the record) or 12 monthly payments. The costs of buying are killing me, so I'd much prefer the…
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Argos Card Services - Default Removal Advice
Hi, I was hoping that someone could help. I just found out that I have a default on my my credit record from a purchase I made on an Argos Card for circa £300 with 0% and nothing to pay for 6 months. I took the credit out in March of last year. I moved house in June and rang Argos to give them my new address but it didn't…
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Advice On a Defualt
Just checking my credit Report and came across this default on my file Now I remember back in 2008 I had a default from Lloyds TSB which I ignored (Stupid i know) So it looks these "hillesden" lot keep defaulting my credit file for the same debt/money. Ive never Heard from them Are they allowed to do us? will it drop off…
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How long does it take Experian to update reports?
(I'm basing this or not knowing very much about credit, so bare with me) For the last few weeks I've been trying to get myself a Argos store card, and after being turned down, and getting my credit report, then finding out I was not registered on the electoral roll for my current address I proceeded to get myself…
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Credit Score - Default
Hi Guys Just checked my credit report on Equifax and its showing I have 1 default on my Bank account. I had outstanding balance which I have paid through a debt agency, last payment was couple of years ago. I have since closed the account and don't have any information. Also don't have the reference from debt agency to…
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Feeling disheartened
Hi everyone. I'll try to be as concise as I can here to explain my situation. Over the past 2 years I've been getting my debts down . Some family related debts and others from lenders. Me and my partner had £1100 debt to family, £1900 o/d on one account and £2600 o/d on another account. Plus a loan with about £1500 left…
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Credit Accounts not showing on Credit Reports
Hi everyone I had a bit of a misunderstanding with o2 which resulted in an unpaid balance which was passed onto a third party debt collection agency after the contract had ended. The matter got as far as the County Court but I have now arranged to pay the full amount which will make sure no CCJ appears on my credit file.…
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Markers removed, waiting for ER update... how long till I can have credit?
Hi all, So I have sorted my issues with bt woohoo, and the late payment markers have been removed from my file. I can see on equifax that this has been done. They are still showing on noddle (disputed), and I can't tell with experian as I bought the £2 report before I spoke with BT. I am not showing on the electoral…
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Current account application
Hi I have 2 defaults on my credit score and one public record which I need to look into more as i don't no what it. My credit score was fair. However I recently applied. for a current account online with my bank as I only have a cash card at the moment. I currently have a credit builder credit card with. A £750 limit.…
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How many credit checks are too many?
We've just applied for (and been accepted for a new mortgage) as well as 3 offset bank accounts (linked with the mortgage at the same building society) but I can't see any impact of this in terms of searches on my experian credit report yet. I also want to close one credit card and open another to do a small balance…
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Equifax address finding problems and is the rep still on MSE like Experian's is
Hello, this is a question to all but in particular if the Equifax company rep is still responding to messages here (I couldn't find any recent posts from them). I just did the online check of my credit score and Equifax did not have my flat number in their system. You get locked into a loop where you can't continue if you…
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Random missed payment may affect mortgage application
Hello everybody, A few weeks ago, I applied for a mortgage and everything went through fine. My offer was sent through in January and is now sitting with our solicitor. I am well aware that until completion, the bank are able to withdraw their offer at any time. I've just logged into my Experian account and my score has…
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does statutory statement on equifix mean I have joined a membership?
I have just done a statutory statement for £2 on equifix does this mean it is a trial period and I need cancel with 30 days. It said my statement would expire in a couple of days Also my credit was okay but it was things like paying bills that didn't come out on time etc that brought it down. I have paid all my bills on…
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Vanquis Anguish
In 2011 I received a credit card statement from a company called Vanquis, I had never heard of them and so was quite concerned. I rang them to explain the situation that I had not applied for this and had not even seen the card, they said they would look into it and get back to me. 3 weeks later I got another statement…
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If you have defaults, is there any way you can improve your credit rating?
Please be gentle :) I was just wondering if there is any way your credit rating can be improved once defaults have been registered, other than waiting the full 6 years?
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Can winning PPI annul my CCJ on that account?
[FONT=Calibri, Verdana, Helvetica, Arial]I got into debt some years ago and defaulted on several credit cards and loans. I came to arrangement to freeze interest and pay in installments and have been clearing debts since. Many were sold by the banks/credit card companies to debt collecting companies. One in particular was…
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Understanding Credit File - Experian
Hi I was wondering who to talk to about trying to understand my credit file. It gets abit complicated. On the front page it states that I have 22 accounts (including ones settled) 0 credit available, 0% credit used, amount of outstanding debt - £34, 0 accounts over due and 0 number of missed repayments in the last year. 1.…
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Over CC limit charge - will this go on my file?
I'm so cross with myself and Barclaycard. I am trying to improve my credit score as we are going to be remortgaging this year. I completely paid off one of my CC and made sure to ask if there were any pending transactions. They said no. I then received a statement with two transactions from January and a £12 charge for…
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Noddle - absolutely useless, thanks for the tip Martin :(
I'm sorry but as a very appreciative consumer of Martins advice over the years I am extremely disappointed with his suggestion of using Noddle credit reports. I paid up £30 for Noddle improve as I was aware of some historic issues (now thankfully gone after 6 years) to keep an eye on my rating ahead of a mortgage…
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How long to update credit report?
I signed up to the experian free trial last week (monday). Even before I signed up for this, I had applied for a loan and used it to pay off car finance - to clarify, this had already gone through. . . But the credit report, today (saturday, a week and a half after the transactions), still shows that I have the balance…
