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Have Equifax updated Electoral roll info from annual canvass yet?
Experian have (for me at least), call credit have not. Before I waste the free equifax code just wondering if anyone who registered during the annual canvass last year has had their Equifax details for the ER updated yet?
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DD came out from a closed account and caused a default
Hi everyone I'm very new to this so please be nice :) basically my partner had a Barclays current account which was overdrawn. He decided to settle the overdraft and asked the bank (over the phone) to close it. As far as he was aware this bank account was now settled and no longer of any concern to him. Anyway, fast…
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Incorrect default from paydayloan company
Hello, I was wondering if anyone could give me some advice. I recently purchased my credit report from Experian (January) only to find I had a default on my account. Don't get me wrong, I've had financial problems in the past, but always got out of it. I contacted the payday loan company that put the default on my account…
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Help? Erudio, student loan and CCJ?
Wondering if anyone can help, my husband is registered disabled and only income he receives is Dla. When I moved in with him a couple of years ago he used to pay £20 a month to his student loans despite being under the threshold of what you are supposed to earn. I found letters from lawyers when I moved in which were…
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Is it a good idea to reduce credit limits?
I have various Catalogues with various credit limits. Is it a good idea to reduce them? The first catalogue I ever got has a limit of £5,000. I have never had a balance above £400, I wouldn't want to either. Would reducing this to around £1,500 be a good idea for my credit rating? I also have a couple which I got in the…
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Hello and credit file/mortgage question.
Fistly, Hello, I've been a long time lurker but this is my very first post! To give a bit of background, I got myself into a whole heap'o'trouble with money when younger to the tune of around £37k. Don't ask, long story. Anyway i decided i wanted to pay back every bean and for the past 10 years ive paid it all back with…
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Payday Express have logged 2 defaults
on my credit file and date of default is listed as 03/10/2011 on both. Don't get me wrong, I did have a payday loan with them, and I have no problem admitting that, yes I did default, but it was all paid back in February 2011. Last month it only said MEM consumer finance, and when I googled them it came up with Payday UK,…
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Arrangement on Credit File
Hi, can anyone help with my query? In February I changed a loan repayment from 22nd Feb to 2nd March. I asked if I could pay double on the 2nd March due to an unforeseen bill. The company agreed and I thought no more of it. They then made a !!!!-up and didn't take double on the 2nd March, so I contacted them and the…
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Merging 2 Capital One credit cards?
I have a Luma card, then I opened a Capital One Platinum card. I received a letter in the post this morning saying I can merge them into one if I want. At the moment, my number 1 priority is to increase my credit rating. If I close the Luma, will this have a negative impact? I don't mind keeping both open...it doesn't make…
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Car Insurance Quotes Affect Credit?
Hi guys, For reasons that are beyond me I have always suffered with bad credit. I now pay for Barclays Credit Manager to keep an eye on my credit score. Over the last 2 or 3 months my credit rating has moved from 526 up to 576 and now down to 516? In this time my catalogue balance has gone from £350 spent and £750…
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Credit file amendments
My sister has discovered that a previous debt of hers will be removed from her credit file as it over 6 years old and the debt becomes non void. Does anyone know if this is true because I have a previous loan with is over 8 years old and I still receive correspondence from a debt collector on behalf of this company
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Awful credit history
Hi all, Hoping to get some advice. Long story short, I was useless with money when I was younger and didn't realise the effect not paying your bills on time or at all can have later on in life! I have been living in Australia for the past 5 years but I'm coming home later this year. I've certainly grown up a lot the past…
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Experiences with old defaults and getting finance
Hi I was just wondering if anyone has any experience with my current situation. Have 2 defaults one of which ends next week and another in December. Other than that I have experian score of 897. After I defaulted I took out a capital one cc to improve credit rating which my partner spends fuel on and is paid off in full…
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Credit report and score
Hi all, I'm a bit confused so hoping someone can help me. I have being paying my debts off for a few years now, and I'm getting to the point where some of them are dropping off my credit report. My debts are getting smaller, all of my agreed payments are made on time, and apart from 2 DCA reports on there which show that I…
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Credit Soft Searches
Just checked my Noddle report and some 'soft searches' appear to show. One is the MSE eligibilty checker and the others are for zopa and ratesetter. The explanation wording is a tad ambiguous so just checking with those who know better. Here is the exact wording for 'other's searches' (under which the aforementioned…
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Experian have not updated my report today?
Good evening everyone. Experian have always updated my file on the 1st of each month and again on the 15th, but have not done it today. Is this the case for you too? Thanks! - Lemons.
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Confidential credit information shared
My twin sister recently applied for a mortgage, and during the process was asked by her mortgage advisor to provide a copy of her credit report from a particular company that the mortgage underwriters were also using. It was discovered after receiving a copy of her report that credit information about me was included…
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Gothia / red castle bcw default
Hi, I wonder if someone can help me. I have received a default on my credit file from Gothia. This is for money owed to H&M from September last year. I received a letter from Gothia in Feb stating that they had been assigned the account yet they put a default on my credit file just 3 days after the date they were assigned…
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Advise in preperation for mortgage application
Ok this will be a long one, our house is on the market and we are trying to max the chances of a new mortgage going through as easy as possible. Im thinking of the things the bank will be looking for so this is how it is, please advise if we can do anything to improve things or are we doing it the best way. I have a…
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Callcredit - Electoral Roll update error
Hi all, I've been using Callcredit's reports since the start of the year and have just noticed that, ever since the latest Electoral Roll update in February this year, they have amended my current entry to make it incorrect. I have been registered on the Electoral Roll at my current address since 2009, which is what the…
