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Improving credit score with credit card
Hi guys. I know we don't have a credit score as such but want to improve mine and my partners chances of remortgage in a few months. We both have Capital One credit cards which are clear and not used but are thinking about making one purchase each a month then paying in full from bank account. My query is say our…
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Mortgage application and signing up to credit rating websites.
Hi everyone, I'm about to have credit checks run on me and my partner, in order to get a mortgage. I'd like to check my own ratings online, just in case there is anything wrong. Would signing up to Noddle and Equifax add a new footprint on my credit history? Would that reflect badly on me? I am already signed up to…
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How do I increase my credit score?
Myself and my partner applied for a mortgage quite recently and it was rejected due to his credit score. Now we are financially linked due to the mortgage application being in joint names. This isn't a problem however, both of credit scores have now dropped significantly because of the mortgage rejection. My question is…
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Welcome finance loan - confused?!
Hello everyone. Firstly apologies if I'm posting in the wrong place or my question has been answered elsewhere but I'm new to this!! My partner had a loan over 6 years ago which he defaulted on (he lost him job and just stopped paying). Now he's sorted himself out his debts are all catching up with him. Just before we met…
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Any tips welcome
Is there anything i can do to speed up the repair of my credit file? I have one default for £1200 dated April 2013 - this was settled for an agreed sum. One default for £6000 for a loan dated September 2013 - am paying this off at an agreed monthly amount. I have a credit card with a balance of £1300 - this hasnt been…
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Experian Linked Addresses
Do correctly linked addresses only drop off the report after the account that created the link has been settled for more than 6 years?
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credit file help
Hi Just wondered what it will say on a persons credit file if a company wipes a debt off ? My friend had some defaulted accounts that were showing on her credit file these have been outstanding for some time (2011) and were all sold to the same debt collection agency .she has mental health issues and is unable to work due…
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Default on Credit File
The day after Lloyds TSB filed a default against us - not in the Court - we paid off all debt to them in full - this default has now been sitting on our credit file for two years and I wondered if there is any route that I can take to ask Lloyds to remove this? Any help gratefully appreciated. Ruth
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£0 Default on Experian but Shown as satisfied on Equifax
Hi All, Hope someone will be able to advise. I have recently pulled off all my credit files and have finally received the pin for Experian today. Upon looking at the file it shows that in 2011 i defaulted on a balance of £250 but says satisfied on current balance but for some strange reason from 2011 it has 8's all the way…
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disputed item on credit search
Hello all, I have recently tried to apply for a mortgage and got turned down with the advice to check my credit score for myself and my husband. On checking this my husband has an excellent credit score and I have a good credit score. When I queried the mortgage refusal with Experian it was due to a default. I had a DMP…
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Mortgage Application & Credit Checks - Help Needed ASAP!
Hello, This is probably going to sound really silly, but I am worried and just want to see if anyone can confirm some things for me! I have a really bad credit history (alot of defaults), some have started to drop off and others are due to do the same as most of my debts are getting to 5 - 6 years old. I recently met with…
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A pretty Hopeless Situation
My partner and I have had severe debt problems for over a decade now. We have a mortgage of £150000 and a secured loan against our property of £43,000 on a house worth approx £190,000. We have additional unsecured debts of £26,000 (of which £7k is in my husband's name). I arranged payment plans with my creditors to repay…
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error in credit history
For a number of years I have been getting refused when applying for credit cards so I finally decided to investigate why and did a credit check. I have discovered that American Express are reporting that I have defaulted on a credit card that I had with them in error. I closed the account in 2008 whilst in credit having…
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Default Dates Appearing after Sequestration
Hi all, I was sequestrated last year on the 17th May 2013. I was then discharged on the 17th May 2014. The trouble i now have is creditors from my sequestration are appearing on my credit report as settled/satisfied, however these are dated after my Sequestration date. Can anyone clarify if the default should be dated to…
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Couple of quick questions.
Thanks in advance. How long do late payments have a real impact, I know they stay on file for 6 years but someone mentioned after 12 months they have less impact? Husband has 2 to Vodafone genuine mistake from June and August last year, so will be a year soon. Should it start to have less impact? Secondly when underwriting…
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clearing default account
I have a default account from 2012 with Lloyds TSB. The debt was handed to APEX and arrangements were made to pay minimally. On request of clearing that default account, a figure with only 20% decrease was offered. Could I clear that defaulted account expediently and efficiently with a lower offer?? total debt: £1760 20%…
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£4 Arrears with Very.co.uk
Hello all, I check my credit report on a regular basis (using Noddle), and noticed arreas against my very.co.uk account. I went in to my Very account, and immediately paid off the debt (£4). It was for a delivery charge, which I had expected would just be debited from my account (they have my bank details!). I missed the…
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Defaults....
Just checked my credit file using 'checkmyfile' apparently everything is all good with the agencies it checks, apart from experian having record or a default that happened in 2008 and is due to be removed from my file October this year. Now having apparently used 100% of my available credit, all £1,848! I wondered that…
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Fraud? Unknown person using my business address for mobile account??
I just wondered if anyone is able to help me on the following. I’ve just received a letter from a mobile company to my business address, and there was an unknown name on it – who is the account holder. Below the unknown person’s name was my own business name, which is why I opened it, and there was information of the…
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Some questions, if I may
Back in 2008 I was made redundant. I spent the next year caring for a poorly friend and when she died I took on her son. Consequently, my eye was off the ball when it came to my finances. However, although I stopped paying my bank loans and credit cards (all household stuff was dealt with), I didn't enter into any…
