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Confused about credit reports
Hi Hoping someone can help. I had some late payments on my credit cards and a bank account overdraft about 8 years ago. I thought as they were 8 years old they would no-longer be on my account as they would disappear after 6 years. However, I have checked my Equifax credit report and they are still showing as I held the…
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Erudio Advice
I received a letter from SLC about them being non compliant and giving me reduction on my mortgage style student loan. The loan is stated as for the years 1995, 96 and 97. I've not made any payment in the last 6 years or at all, as I've never met the threshold for payment. I contacted SLC about my deferment and they…
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Urgent help needed.
Hi guys, First time poster but longtime lurker and I have just had a massive bombshell dropped on me so I hope someone can help. Background: I own a commercial property (A small shop) and have had a Tenant who has resided in the property for near enough 10 years. In the terms of the Lease to them it is clearly marked that…
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DLC Debt Collection Agency
Good morning, I apologise if this is in the wrong section. A couple of days ago I received and email from DLC, asking me to contact them urgently - they know my full name and email address. I did a bit of digging in to who they are, and found that they are a debt collection agency. I am surprised that I would receive an…
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Self-employed and renting off parents
Hi people, I'm trying to check my credit rating and to apply for credit cards without it affecting my rating. Couple of questions... Firstly, I rent a flat in London from my parents (who live in France) own - I'm wondering if this makes my residential status a private tenant or technically living with parents as the rent…
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ID cannot be verified, really?
I have been on the electoral role (and still am, as checked today with all 3 CRAs) for about 17 years. Applied for a Basic Bank Account with a bank and they said I had failed their initial ID checks (they asked for address, date of birth and post code). Asked me to go into branch with ID and apply there! I have had bad…
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Limited time on the Electoral Roll
Hi everyone! For months my Noddle Credit Report has been telling me that I've had limited time on the Electoral Roll. I read up and found information that said you had to be on it for 6 years for it to stop having a negative effect on your credit score. So, I checked Experian, CallCredit and Equifax to check up on it - and…
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Cancellation Question.
Hello, I apologise if this question has been asked a thousand times before on this forum before but I don't wish to jump out of the frying pan into the fire. I opened a Very catalogue account in December 2013 to take advantage of a Quidco offer. I've cleared the balance now and it's probable I won't use the account again.…
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borrowing money with bad credit
Hi, A few years ago, my DLA was stopped, which resulted in sudden extreme skintness, and I was forced to default on a loan, and also got into some other debts. Thankfully it's been restored now, and I've paid everything off except the loan, which I'm in the process of re-organising with my bank. However, I'm in a position…
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Potential fraud attempt?
Might be in the wrong section but i've just had an email from 'outgoing@mrlender.co.uk' saying that I had a loan application from them. Assumed it was spam but decided to check my credit file on noddle. The search is there under the company PDL. Is it possible someone has obtained my details and is trying to take out a…
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Defaults affecting bank loan
I have 2 defaults and 1 ccj on my credit file I was accepted for a 5k overdraft by the bank last week I then applied for a loan. This was rejected on the basis that they want the defaults cleared first. Should I settle them in full? 1 of the defaults if for santander bank charges which I dont owe but its affecting me so I…
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Address Discrepancy between Banks and Government
Hi All, I live in a flat whereby the Council see it as: Flat 2, 86 [Streetname] However, the banks and all other private companies such as insurance and utilitiy companies see it as: 86B Streetname I quickly figured out that Flat B is the same as Flat 2, thus the Council seeing Flat 2 being the same property as the one…
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wrong address on credit file any ideas?
I have just checked my CR with Experian and found that on 6 of my settled accounts the wrong address appears, it was my address but after the loans. I never had any loans while at this address. I have moved again since. Is this having any great affect on my file or not?
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Credit check and closed accounts
A silly question I know but do lenders take closed accounts into account when checking an application for credit? Thanks! :)
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CCJ Removed Credit Score dropped... :(
Hello, I've been slowly improving my credit score over the past year and have been eagerly waiting for a satisfied CCJ to drop from my account this June and was expecting my credit score to go up. But instead it dropped.... why? Nothing else has happened in the credit file apart from that! I'm using Noddle and had a score…
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Default
I recently got my £2 stat credit report and discovered I have 2 defaults dating back a couple of years. Both were credit cards Post office and H2x (Halifax) and both quite rightly defaulted me as I was really struggling to keep up and was in all sorts of trouble. I am now paying off the H2x via Apex credit management with…
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To repay or not to repay?
Hello all, I am new to all this and would thoroughly appreciate any possible input as there is so much information I don't know what to believe and what not to believe. In 2007 as a young naive 18 year old student I ran up a £3250 overdraft on my Halifax student account thinking I was having a wale of a time and not…
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Self employed Business Bank Account
HI Everyone, I was unsure where to post this, either in credit or business related. I need to set myself up as a business with business bank account, self employed and not LTD. Does self employed business details such as bank account or anything else go on my personal credit file ? I understand the difference between a…
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Not seeing my CC on Experian or Equifax?
Hi all, Out of curiousity I got my credit reports from Experian and Equifax recently. Turns out that my Experian report is 'fair' but Equifax is very poor, not for any particular reason other than I don't really use credit facilities except a credit card, or sometimes installment plans for car insurance etc, not much to…
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Mortgage payments, parents and credit scores (complicated)
Dear all, this is my first post on a forum anywhere so my apologies if i miss the ball on any etiquette. This a bit of a long complicated situation with a few bits and bobs to consider so I hope someone can help. I'm a mature student and in February my wonderful parents helped me on to the property ladder fronting a decent…
