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Credit File - Default after sale of debt
Hi there, hoping someone can advise on this. I failed to pay a debt to direct line some years ago, approx 5 and half, and the debt was sold on to a company called Ident Securities. I am now only managing to get on my feet again and have taken an equifax credit report which shows this as being in default to Ident but the…
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Previous tenant issues
Hi, I helped my brother move into a rented flat last Sept after he split from his partner. He's never had issues with credit cards or mortgages and gets paid well. In Jan he tried to get a mobile phone contract and was refused on bad credit. He then tried to get a loan and was refused with a message saying 'either you or…
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Calling all credit experts
Morning all, I am new to this forum and this is my first thread. I have been browsing the forum and absorbed a lot of useful information already! I have a couple of green horn questions that I have tried searching for on the forum but to no avail, so I am hoping that you guys could help me : ) I am coming to the end of my…
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What is the problem with my credit?
Hi all, Just looking for some advice, I have (after managing to finally get Virgin Mobile to remove an inaccurate default) enjoyed what I thought was good credit for over a year. In fact my equifax file shows me as being in the top 20% of the country (or something like that). I have never missed a payment or defaulted or…
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New Experian Trial?
Saw someone mention this earlier and I wondered how you can do this? Last time I tried to sign up for the free trial they told me I already had an account (I tried to sign up back in 2008!) and to sign in. I emailed them about it but they said since I'd already had a free trial (I didn't as they never sent the log in…
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Best way to find out whats on my credit file ?
I need to find out exactly what is on my credit file as I have been recently turned down for any type of credit at all. Although I haven't defaulted late payment etc. Should I go with Call credit or is writing and getting the statutory report from each one better ? Once I have them is there anyone / where that can analyse…
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Financial association question
If I apply for a credit card, will this affect my husbands credit file in the next month or two at all?
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complaint about halifax, ICO final repsonse
Hi everyone I would very much appreciate your thoughts on the following, I apologise in advance for the length. The response from Halifax Halifax confirmed that your account first fell into arrears in January 2010, before you entered into a repayment plan in March 2010. Halifax stated that the agreement was for you to pay…
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Can mortgage lenders find old, active debt not on file
Hi all. I had £30k of debt that I organised arrangements on about 6 years ago, they're now at about £18k. So, they're still "active" but they don't show on my credit file. My Experian file shows three credit cards (small balances and limits) green all the way, phone contracts green, and never a missed mortgage payment. It…
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Car Insurance searches showing on Credit Report
Dear Forum When it comes to getting new quotes for car insurance I tend to follow the guidance on this website and end up comparing quotes from numerous comparison websites/or from direct company quotes. I noticed these searches have shown up on my credit report. I was recently declined for a mortgage, does anyone know if…
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what is better?
Does paying off a defaulted loan in full look better to mortgage lenders rather than partially satisfying the loan? The default is 2 yo and payments are up to date, I want to get a mortgage in 2 years time and wish to minimise the impact of the default so wonder whether waiting a bit longer and paying off in full or…
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Can you have 2 credit file entries for the same debt?
Quick question. I had a debt back in 2006 which defaulted and therefore dropped off my credit file in 2012. The debt was paid in full and settled in 2013 through a debt collection agency. I now have an entry on my file for this collection company with settled on it (just 1 month entry). But it also has an entry saying DEBT…
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Searches - What's the problem?
Hello, I was just wondering why searches are such a problem and cause your credit score to go down? Surely if you are a responsible borrower it makes sense to shop around. Who goes shopping and only visits one shop? They say too many searches makes you look desperate, or something similar. Surely, that is ridiculous,…
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decree on file after trust deed
hi, just wondering what my options are? I have an unsatisfied decree showing on my credit file for a considerable amount of money, despite being discharged from my trust deed last year. Can i have the decree status changed to"satisfied" on my file, as the debt is no longer owed? Thanks
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Improving credit score by applying for a credit card?
Bit of background - currently my husband and I are in the process of selling our flat but have had to stop this as we've been told we're unable to be approved of a mortgage. This is because of husbands poor credit score. He's been terrible with a credit card and has racked up over £6k of debt, but have pretty much spent…
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Credit file help
First, I know I can do a lot myself but are there organisations, people etc who could look at my credit file report and make suggestions on how to improve our rating, mainly around removing entries , hilighting errors etc.. I'm not trying to hide from any responsibility but we have such an incredibly busy and stressful…
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Credit card use and credit rating
Hi everyone, I'm buying my first home and need some advise, my credit score was 903 last month but has dropped to 868 because I don't owe anyone any money (borrowing on revolving credit hasn't changed is how they put it) I would like to buy many things for the house before I move in and also need to start using my credit…
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Debt Collector Letter on Foreign Debt
Hi all, Looking for a little advice. I lived in Sweden for two years between 2009 and 2011. When I left, I believed I settled all outstanding bills, etc. In October 2013 I received a letter from a Swedish debt collection agency stating that I had an outstanding energy bill from 2011 and now owed several hundred pounds…
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Questions about soft credit checks
Hi, I recently registered with checkmyfile.com to check my credit report using their free trial offer and I have some questions regarding soft credit checks I can't find any answers for so hope someone can clarify for me. 1) As I understand, by me registering to see my credit report on their site it will count as a soft…
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Advice needed - does debt that has been sold on appear on credit report as a new debt
Hello all, I'm looking for some advice. My husband had a business in 2006 which came into difficulty and eventually folded. It was a limited company, but he did take on some personal debt to try to get the business out of trouble, and unfortunately he was left in a position where he was unable to repay the debt. That was…
