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Student Loans - copies of agreements (mortgage style)
Have been asked to post up what I have and what I know, so here goes. It seems from what I have seen that there were 2 types of agreements. Academic years 199x -> 1997 - Agreements were issued with what seems is a more permissive data sharing clause. Clause 16. Jury is out on whether that allows reporting of deferred loans…
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Zero balance on credit file but EOS Solutions wont give up.
Hi, hello and good morning, A little bit of background.... silly students gets in debt because credit cards came with free popcorn makers and store cards came with pretty new clothes. In my 20s I did my best to avoid repaying my debts.... now approaching my 30s and apparently maturity I am trying to get back on track. Have…
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lenders - regular updates from credit ref agencies
Hi I have read that lenders get regular, automatic updates from the 'credit reference' bureau's. I thought they had to have your permission to get info from your credit file? If they do a search one time, do they automatically get top-ups of info? Update: Now I just rang them and the man in Customer Services said they get…
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Getting Credit and Store Cards
Hi, sorry if this is in another thread but im totally new to this whole forum thing! so ive always paid my bills on time, nothing on credit and only have a debit card cause i was taught... if you can afford it, save and then buy it. would it help my credit score if i did buy things on store cards and credit cards??? my ex…
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Noddle Query.... account balances
Following on from my previous post, regarding Barclaycard querying when I did a soft search on their eligibility checker whether I was registered on the electoral roll, I took the advice of the lovely people given on here and set myself up a noodle account. Firstly they say that I was registered on the electoral roll for…
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O2: 75 days+ to update CRAs?!
I had an O2 debt that I found last year. O2 hasn't updated any CRA since last September, but I've been paying my debt with them since November and made a lump sum payment to settle the debt 2 weeks ago (this wasn't a partial settlement, it was the full amount). I have now been chasing O2 and they came back yesterday and…
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Default on overdraft
Last year I changed my bank account from lloyds to Halifax. I had an outstanding overdraft with lloyds so I rang them and explained I'd moved banks and that I would like to pay off the remaining £1800 overdraft in monthly payments. Lloyds agreed, we settled on a fee and I began making monthly payments (I never missed one).…
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DMP settlement F&F
hi there, apologies in advance I'm sure this has already been covered but I can't find it easily. My situation is: Currently in a DMP with Payplan. around 14k in total. I want to start making F&F with my creditors, and wonder if there is a way to achieve this without being punished on the credit file, i.e. debts showing…
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credit file not showing debt
hi just had viewed my credit file just with experian And not all my debts showing? Looking on here it appears that different credit agencies show different debts? what threw me is that barclays is on my file saying linked to a search, but then no debt information?? so I guess I should now apply to view others.But i have…
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Equifax changed scoring system
Hi Today I contacted Equifax. My score was showing in Feb as 523 excellent. I had three very old late payments and wasn't showing as on the electoral roll. I clicked get free report (as they told me) and it updated my report to today's date. I was now showing as on the electoral roll. The late payments hadn't changed but…
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Sueing CRAs?
Does anyone know what the situation is with regards to incorrect information on a credit score and taking the credit reporting agency to the small claims court for deformation? The background to this is as follows. I had a bill go to an old address and so I never got the bill to pay. Went to court and I had a ccj put…
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Poor score - Rejected - Over £14!
I'll try to keep this concise I applied for my first ever credit card (no loans apart from student debt) as I'm looking for some interest free credit to use on a holiday. After consulting the advice pages on this site I see Tesco offers a great card. I use Tesco weekly and have done for years (look at my username!), I was…
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Legal Action if CRA refuses to update Electoral Roll information?
Hi all, How would I force CallCredit to update information about me if it is wrong and I can prove that it is wrong? Basically they're saying that I'm not on the Electoral Roll at my current address, and I am - to the point that I've proven it: - I've confirmed with the local ER office at the council. - I've provided proof…
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Credit Rating Help
I looked on equifax last night and paid for my credit report.My rating was very poor.Although I have been silly in the past with loans etc I am now getting older and trying to sort my finances out.I have 8 unsettled loans on my account that are all being paid (nearly paid off) I do have one default on my account from…
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advice on credit rating
hi, just after some advice on credit ratings. i currently have a £1500 overdraft that i basically live in each month, i never have exceded the limit and always pay it off in full each month,i just want to know if this is good or bad for my rating when i decide to apply for a mortgage later this year? i have a credit card…
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stupid brother
hi all unfortunately my little brother doesnt follow after his sister in terms of being particularly bothered about his finances (hes 18 and going through a 'stage' i think!) he went on holiday and spent all of his wages in 4 days (i know, ridiculous) and Halifax bounced his DD to O2. It looks like there will be minimal…
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Mortgage declined
Hi, my mortgage has been declined due to a financial association. I'm not actually associated with that person and had removed it from one CRA but not another.If I remove that association, can I reapply to the same mortgage company? Or will they reject me thereby leaving another footprint?
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Fiancee has poor credit. About to move
Hi, I hope someone can help. Me and my fiancee have been renting for a year now and are moving to a larger property. We are filling out the references and it says 'You must not have adverse credit in the form of a CCJ/Bankruptcy etc' My fiancees credit score is poor but we are trying to figure out why and whether this…
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Electoral Roll - on it or not??
Slightly confused here.... I did a 'soft search' on the Barclaycard credit card acceptance site and it came back stating they couldn't state whether I would be accepted as it seems I may not be showing on the electoral register. I have just contacted my local authority and they have come back stating that I am on the…
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Noddle problem - can't access my credit report
Is anyone else having a problem with this? Last year I tried to log into my credit report on Noddle and got the message: "We’re very sorry but we’ve been unable to retrieve your credit report. Please email us at [EMAIL="contact@noddle.co.uk"]contact@noddle.co.uk[/EMAIL] so that we can investigate this issue for you." I…
