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Car Insurance!
Hi all just got a quick question, I've recently been looking for car insurance on the MoneySuper market app. From doing this my credit rating on experian as dropped by 100 due to me having 38 recent searches on my credit file. I was just wondering if there is anything I could do to change this? It has annoyed me a little…
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Moneysavingexpert approval check
Hello, I was looking at the 0% balance transfer cards on MSE and filled out the approval bit where it gives you your chance of approval. MSE states it wont show up on the credit but when I checked Noddle yesterday there were 2 searches from MSE and both were the dates that I had done the approval search. I was wondering…
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Debt free for well over a year.... now what?
My husband and I came into some money (well I say came into - PPI credit insurance repayments) and cleared every last bit of debt we had incurred. Husband is thhe main breadwinner and is on enough to support us plus our child. I am now in a position where I have a fair credit rating and I would like to start building my…
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the 30% credit utilisation rule, how strict?
Hi, I am trying to improve my credit score, as soon I will be applying for some loans for home improvement. - On credit card A I have a utilisation of 90% (went beyond limit by mistake last month, paid it back and am now just below the limit). - On credit card B (which has lower rate and higher limit) I have a utilisation…
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Need Advice
Hi Guys, Very new to these boards, hoping someone can help me. My credit file was a bit of a mess until recently, I had 3 Defaults and a CCJ! Very poor management on my part i know but as the CCJ took 6 years to come off I didnt really see the point in bothering with it until that time. The CCJ was removed in Feb this…
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Settled CCJ in 2013 it is now 2014 and still showing as ACTIVE in credit file
Hi Everyone Was hoping to get some advice. I paid off a debt which had a CCJ against it, this was paid in early 2013 and to my shock it is showing as active in my credit file. I called the debt company who were rude and simply apologised for not sending the notification to the court to have this removed. Surely that is not…
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poor poor credit 7 years ago
i have very poor credit 7 years ago then i left the country and now I want return to UK. i wonder what my credit record would like, i used the trust onlinr checked no CCJ agaist me in my previous address i rented. but i can run a credit check on myself due to i have UK address. anyone would have rough idea on what my…
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How quickly do companies report to CRA?
Posted this in the Credit Card section, realised that it is probably best off here. 1 late payment due on 27th March. The woman at Tesco said they upload info to the CRA on the 30th of the month but there's nothing showing up yet. Will it definitely? And if so, how long does it usually take? It's all paid up now. Argh I am…
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free credit report
Can anyone tell me where I can view my credit report for free? I am currently paying around 12 pound a month, I don't even look at it every month!!
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Banging my head against a brick wall....
Hello! I recently insured my car through Tesco Bank, underwritten by Covea. Ten days later I received three days notice that my insurance was being cancelled. To cut a long story short, I applied for a copy of the Synectics Solutions report the decision was made on. The report shows that in 2011, Nationwide Building…
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Partner registered for noddle - surprised.
As above really, the mr signed up for a noddle acc to see his credit file free of charge. We know mine is poor due to my past, defaults etc but as far as we knew his would be shiny. Noddle is saying 1/5 rating (which I know do not have actual bearing on credit decisions)... but every single entry shows paid on time every…
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credit score loss
Hi all hope for some advice. After my car broke and I needed a new one I went to get finance from a car garage as I didn't have enough cash. After picking a car and going through details I got told a few days later I had been accepted for credit. Before getting car I was given some money so no longer needed credit. On…
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Student loan to help my rating?
Hi My husband was made bankrupt 3 years ago, discharged 2 years ago and since then hasn't tried getting credit from anyone. However he has gone back to college and they are allowing him to pay off his fees with a monthly direct debit. My question is whether they would open an actual credit file for this and if (God…
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Afraid to look at my credit rating
Hi everyone I've come over from the debt free wannabe boats because my husband and I became debt free at the end of January after paying off almost 50k of secured and unsecured debt. We need to remortgage our house later this year so knowing how our credit files look would be helpful. My problem is I just too scared to…
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Credit file record question...
Hi, I friend of mine has 2 defaults (i think thats what they are) on their file. These were about 8 years ago, and remained unpaid. They're both around £5k each from the bank and bank charges escalation. They keep getting sold on to different debt collectors. As yet, no legal action nor bailiffs have been sent. My friend…
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Credit File Issue
Hi, today I have been refused a rented house due to 2 CCJs showing against my name. I signed up to experian and it only shows 1, so i called them to query, i was put on hold for 10 mins whilst they searched for anything else, and came back and said there is deffinatly only 1. I called the letting agent and they said there…
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Credit Report
About 6 months ago my husband applied for a credit report, it showed up an unknown debt and address. We queried this with the company and they said they would look into it. Every month we log on and check the updated credit report and since the debt was removed it has not shown back up. The debt was from 2009. Does this…
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Settled Debt Help
Hi, 1st post on here :) Anyway, ive managed to pay off one of my many debts that ive accumulated over the years :j My question is, All of my debts are with various debt recovery agencies, so i think im going to cancel the standing order, but then do i contact anyone....Experian etc? Do i need a statement from the company…
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What does this mean...?
Hi everyone. I received a letter stating i owed money to a vanquish card and the debt was being requested from capquest. I have no knowledge of the debt it was actually taken out when i was away at uni and i was unaware for 4 years- I sent them a 'prove it' letter from this website. My response from them: a letter inviting…
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electoral roll /c card glitch
Hello Well Ive been accepted for a new credit card but suspect there's a problem, because it turns out the credit reference agency doesn't keep good records. Took myself off the electoral roll because I thought I was moving, a couple of months back. Then I changed my mind, time passed and the other week I applied for the…
