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Defaulted Credit Card - Advice
Hi! I'm seeking some advice....I defaulted on a Tesco Credit Card about 4 and a half years ago for about £2000-2500 which is highly effecting my credit score (seen through Equifax.com). I'm now in a position where I could pay the debt off. I'm not sure wether to wait until the 6 years are up or clear the debt now. If I…
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Is this a CCJ or not?
I have to pay a £300 referencing fee to an estate agents but I won't get it back if I fail referencing and she told me if I have any CCJ's and I said no but I'm abit confused. Is a CCJ a letter that specifically tells you "you are being taken to court" or is it classed as a CCJ if the letter simply says "if you don't pay…
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Full and Final Settlements and Credit Rating
My defaults will all clear off my credit file in 2016. In the mean time I've been working hard to pay off my debts, and have even been accept for a Captial One card with a £1000 limit, which I'm using for food shopping and repaying in full each month. Anyway, I have been offered a full and final settlement from one…
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Student Credit score problems.
Hi all, I've applied for a student account with Santander after a bit of comparison between themselves and other banks. The interest free overdraft and free 3-year travel card was the main pulling factor for me. I met with a personal banker last week and answered the typical questions for a basic credit check yet when it…
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Marriage and credit rating
Hi My friend is getting married next month. His credit file is really bad, but his fiancee has excellent history and very good score. We've had a chat about mortgage in future and I told him that joint account can ruin her credit rating because of his bad history. But what is going to happen if they'll keep separate…
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Credit rating after CCJ
Hi, I received a CCJ in 2009 which has never been settled. Long story short, I feel it was wrongly issued (it was a payment made by an company when I was 19 with the agreement that I would work there for an extended period. I accepted but after 2 years, I could not stay any longer due to disability discrimination and a…
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Question for current or former underwriters
You have just received an application for a credit card which has been referred to you to make a manual decision. The applicant has a high number of recent credit searches within the last 12 months. You're amazed to see he or she has applied for no less than 100 products in the last 12 months. This indicates to you that…
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How do I cancel my Creditexpert free trial?
I have recently signed up for this site with no intention into using it, I planned to sign up and cancel straight away but I was unable to find a cancel button. Any help on how to cancel this would be appreciated.
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HSBC default - Is this fair\reaonable\legal
Good evening everybody, I've never really thought much about credit, I rarely have the need. This all changed a couple of weeks ago when I found out that I had a default on my file. In 2012 I fell out with HSBC, I had 2 accounts that I used to shuffle money around, a bills account for the monthlies and my current account…
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Changing Details
I was wondering if anyone knows if I'm able to get northern rock to change my default date on my credit file following completion of my IVA - I defaulted in March 09 but my ex defaulted on the joint loan in November 11, which is affecting my credit chances of getting a mortgage with my husband. Is there any way of changing…
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Maximising credit limit for stoozing?
(apologies to anyone who's read this before, I posted it elsewhere but I think I put it on the wrong sub-forum) I've had a Smile credit card for several years and pay it off in full every month. I got it to improve my credit file, with the added bonus of a little cashback each month. It currently has a credit limit of…
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Advice please!
Hello, Simply put, i have about £1500 of debt which has subsequently put my credit score at poor. Im wanting to know if geting a bad credit loan to consolidate the debt, is a good idea, if so, where do i go for this loan? Many thanks
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will getting a new credit card affect my mortgage chances?
gonna be applying for a mortgage in the next couple of months, i have a decent enough credit score (500+ on equifax) and no bad debts, but i got a letter yesterday saying my amazon credit card is reverting to a standard MBNA one, so there will no longer be any amazon vouchers as a reward for my spending. which was the…
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Statutory Report - Request from more than 1?
I get my statutory report from Equifax once a year. However, due to a recent fraud scare I'm going to apply for it twice a year. I've been reading a lot recently about protecting your identity and wondered if I should also buy the report from Experian and Noddle just as a belt and braces option. My question is, would this…
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Cancelled Fitness First Memebership but They are Chasing me for Money!
Hi all. This probably isn't the right section to put this thread in, but I wasn't sure where else to start it. Anyway: I cancelled my Fitness First Membership back in April this year. I was leaving the country to work in Hong Kong (currently still here). So I gave my employment contract in person at my local Fitness First…
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BT, report to CRA?
Morning all, quick question, have searched the forum and found very conflicting info so shall be brief. Signed up for new BT phone, Broadband and TV package and am trying to build up my credit history. I was wondering, do they report to the CRA's as it seems some people say so but most say no. thanks in advance
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o2 have given me a default with no warning
Hi guys, Apologies that my first post is one asking for help straight away. I've received a letter today from a debt collection agency informing me that because I owe o2 £15 they have defaulted me. This is the first that I have ever heard about this. I phoned the debt collectors regarding the matter and it supposedly…
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Default - is it 6 years? (PLEASE HELP)
Below is the information showing a default on my credit file. I'm looking to apply for a mortgage at the end of this year and was wondering if anyone can tell me, is it 30/11/2014 that this will disappear. Its paid in full and the status shows as satisfied but i'm getting more and more panicked. PLEASE HELP Default Date:…
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Credit Rating 7 year rule
Hi folks, new to the forums here (and new to actually trying to manage my finances!) I'm 28 and since university have steadily built up quite a bit of debt (currently maxed out at end of month overdraft of 2000, credit card with min payments at 1200 and paying off grad loan with 1500 left) To top it off I've also made use…
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This Default... what to do?
Very confusing for me. Is this a "settled" default, that will just dissapear after 6 years, or is it going to continuously bite me in the !!!? I phoned up EON about a year ago to see what could be done about it, and they told me they had written it off so it was nothing to do with them anymore. It's such an !!!!, as my…
