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Parents using my credit rating
Hi I am looking for some advice with regards to a situation which has ruined my credit rating and becoming ever more growing frustrating. I am now 23 and at about the age of 18-19 my mother asked to put a catalogue in my name. Now forgive me if I sound pretty stupid but at that age I wasn't so clued up about the whole…
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name and credit file
I want to apply for car finance and was planning to check my credit record first. I use my middle name for everything that I can, including work, but have to provide my first name for some official purposes. Is this likely to affect my credit score, and will both variations of my name show up if I do a check? Thanks
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Credit file and current address
Despite having what I believe to be a good credit rating I have been struggling to get a new credit card. I have checked my credit file and all seems good. I have had a fair bit of credit over the past few years and there has been no repayment problems. However, I moved to a new rented flat about 9 months ago and this…
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Debt, payment plans & a default
Hi guys, Seeking some information. Brief outline to my financial life: Now 26, had credit cards all my life. Pure greed to start with. I then went to the south of England to go to University and was always up against it having had credit before going. Started taking out pay day loans, paid them back all fine. 2011 I took a…
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Do credit checks include old, closed accounts?
As per the title, does anyone know if credit checks consider old accounts that have now been paid off and closed? Reason I ask is that I defaulted on an old current account a few years back while still at Uni. The bank gave me a £1k student overdraft and having repeatedly gone over this limit, the bank (Lloyds TSB)…
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Provident won't remove default on my credit file!!!,
Hi, hoping someone can help me. I agreed to get a loan for a family member, they left me with the debt. I've been paying it for 3 years now through providents debt collection agency, they've put it as a default on my credit file, I've spoke to the debt collection agency they said they can't remove it and to speak to…
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closing bank account
i am closing my bank account which has my moms direct debits coming out of it i have told her to move her direct debits over to another bank account if i close account and direct debits are not moved to another account will this affect my credit score?
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Barclaycard and your credit report
Hi, does anyone know how quickly barclaycard update your credit report to show you've cleared a credit card, cleared 2 a week ago, Tesco today have updated the report to show settled but barclays haven't, thanks
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Credit report question
Hi all, I'm currently just trying to get my credit score in order so I can hopefully apply for a mortgage in a couple of years. I have just looked at my Credit Report on Equifax and notice that of course my Credit Agreements section is in the red, upon looking into the detailed report I notice I have a Default mark against…
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Advice re legal letter
I have received a letter from Lowell Portfolio ltd, stating that they have bought a debt from another company JDWilliams. The only problem is I have never heard of the other company, nor have I ever had any unpaid accounts. I assume that this is a case of mistaken identity or fraud. Does anyone have any advice on what…
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Virgin Media??
I had a notice from equifax this morning to say my credit file had changed. When i logged in it stated that virgin media had done a search against me?? I have recently cancelled my services with virgin media back in june, everything was paid and its now been disconnected at the end of June. Why would virgin media do a…
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Advice and Help with Credit Score
Hi Guys/Gals I'm currently in the throws of sorting myself financially and so I'm starting with my credit score and trying to fill in the gaps of not only my knowledge but the gaps in my credit report. So here are the hard facts, I'm using Equifax as the reference agency and my current credit score is 340 which is classed…
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CCJ disappeared before 6 year mark
I just checked by Experian report, and it seems that by CCJ isn't on my report, it has around one and a half months left before it's 6 years old, is it possible for it to be removed before the six year mark? Thanks :)
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Credit Score
Hi I'm working on increasing my credit score, have been using Experian to monitor progress each month as and when.. About 4 months ago I noticed I wasn't registered on the electoral role.. council messed up and spelt my name wrong and I've finally been put on it. I had a call from Experian today to tell me that they'd…
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Opening a new current account...
Hi all, I have been with hsbc for many years but would like to move to sandtander. I just cant get over the fact that i have repaid a large loan with hsbc in the past so suspect i have a good relationship with them. Will moving banks affect me getting good offers?
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Morrisons Data Breach
Hello, earlier this year I was informed by my employer, Morrisons, that all their personnel data, including mine had been stolen. You may remember it in the news media. Morrisions gave us all membership to the Protectmyid service runs by Experian. I only just signed up in time before 16th June and now I can look at all the…
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Improving credit file - the best thing to do?
I got hold of my credit file as I'm applying for a mortgage to move house soon and safe to say ... it needed some help! The original score was 540, the negative factors were: :- 2 Defaults - 1 from T-Mobile and 1 from Lowell Portfolio who bought the debt. Lowell have since removed their default and I'm fairly confident…
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Arrangement to pay
Hi all, I'm having a dispute with santander at the minute. I always used experience to check my credit rating but have recently checked equifax and callcredit only discover that santander have placed an AR on a credit card in June 2008. Basically what happened was that I transferred a balance to a santander credit card and…
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CallCredit and Noddle. The same?
Hi, I heard that Noddle belongs to CallCredit. I just checked Noddle (their free credit report) and it appears that they have an entry about me being on the electoral roll. I was wondering does it make sense to order a credit report from Callcredit (www.callcredit.co.uk/stat-report-online/) to confirm that they know that I…
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CCJ and Charging Order
When I was unemployed my ex got a charging order for back maintenance, and I now see this as a CCJ on my credit file, so whilst back in work cannot get a loan or mortgage increase to pay her off. How/why is a family court charging order a CCJ?:(:(
