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CashPLus Credit Card showing as "Advanced Payday Solutions" on Credit File!
Hello, I have just successfully applied for a mortgage but I had a note from the lender to say that my husbands credit file was showing pay day loans every month for the last 12 months. They approved the loan but only after some serious discussions between us, and our finance advisor, who helped to explain the loans. In…
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A little help please!
Hi there, I'm looking to rent a property and my letting agent will need to run a referencing check which will check my credit status - what does this mean as mine is very poor however I don't have any CCJ's, IVA's or Bankruptcy. I also pay rent on my current property on time every month and am in full time work. It's just…
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2 entries on credit report for 1 debt
My hubby and I are looking to apply for a mortgage early 2015. He is currently paying off a debt which occured before we met in 2003. This is due to be fully paid on 01/09/2014. (we appreciate we will need a subprime lender). It defaulted with a credit card company and was passed to a Debt collecting agency. The only thing…
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Building a credit file
Hey all. Some of you know my situation but ill explain and try to make it as uncomplicated as possible. 8 years ago I walked out of a abusive relationship and started a new life, got a lot of abuse, my car was vandalised, I was attacked by my ex in the street, I was hospitalised after getting a screwdriver in the abdomen…
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Noddle Rating and HP
Hi, Hopefully someone can help, I apologise in advance if this has already been addressed. I logged on to Noddle to check my credit file for the first time, and my rating was 1/5. I have one default, however this was settled in July, and my electoral details are not showing on the report despite being updated in June. I…
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When / whether to settle a debt in full
Hi, I've got a couple of queries regarding an entry on my credit report that I'm hoping someone can help with As a bit of background I got into some financial trouble approx 6 years ago and defaulted on a number of credit cards. I've been making payment ever since and most have now dropped off my credit report due to their…
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Student - How To Build Credit History
Hi folks, Starting Uni this September. Being money savvy I'm interested in trying to build up a credit rating. I've currently got several current accounts shifting money with TSB, Nationwide and Lloyds paying 5% and 4% Gross. Would it be worth opening Student Credit Card accounts with TSB / Lloyds / HSBC / Hallifax /…
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Stolen Identity.
Hello All, Bit of backstory first so please bear with me! I moved house a couple of years ago, and it turns out my credit card issuer had not updated my address. I didn't notice as I get all my statements online. They sent out a new credit card for me when mine expired, but they sent it to my previous address. The person…
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Checking Credit File: Where Have my Debts Gone?
Hi all, I am new to the community but have something very strange going on. So first a backstory. I grew up with no financial disipline, from 14 I would work an illegal number of hours whilst in education and in turn, had lots of money with no responsibilities. So when I hit 18 and my addiction for spending went crazy I…
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Successfully Settled Accounts
Hi there, I was just checking my credit report and I have the following negative factor: "You have no successfully settled credit accounts". I have 3 credit cards. I use 2 of them but pay the balance off in full every single month. If I close the one that I use will this improve my credit score? I have a positive factor:…
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Wondering about Experian worth..
I've worked really hard to raise my credit rating with Experian and I was pleased to see it at 970 the other day so I applied, based on the cards they suggested were available, for a rewards type card. And I got refused.. It's the second or third time I get refused a credit card after looking at my credit report and It's…
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credit file, how long to update? plus finance question.
Evening all, As some of you know, for long and complex reasons, I have no credit history. Went to open basic bank account and got turned down by RBS (hasn't left a footprint on my file mind). Anyways went into nationwide to open a basic account with them and upon verification and credit check, was approved for flexplus…
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Noddle vs Other Agencies
Hi all, I know Noddle is run by CallCredit, but whilst currently pursuing reports from the other agencies, is the Noddle report considered reliable enough to form the basis of a financial application? I ask as I've been able to query and have a few elements removed from my Noddle report, but whilst waiting for the other…
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Some advice please
Hello, I'm a regular reader of the forums so thought it was about time I signed up! Anyway, I'm looking for advice on how to improve my credit history. I'm currently 18 have managed to open an account with barclaycard, aqua & also a next directory account as well as a tesco mobile sim only contract Barclaycard initial -…
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Call credit OK?
I have just filled out the online form and given my credit card details for a credit report (not a free one) but have not had a confirmation email back from them. Can anyone put my mind at rest please? https://www.callcreditstatreport.co.uk/
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Do defaults go off and back on again?
Iv been keeping an eye on my credit report for a few months as now in stable employment and want a mortgage in the future Anyway I had a default with Halifax for £2000 from around 2011, iv just checked and it's no longer there? Any reasons why???
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Wrongful Default applied to credit file when payments were made as Normal
Hi I would like some advice please if anybody could help I would be most grateful. I was made redundant in 2012 and fell behind with a payday loan that was eventually pursued by portfolio recovery aka Mackenzie hall debt collectors. In October 2013 I started a payment plan in order to pay this debt back and I have monthly…
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Can Ebay Effect My Credit File?
I got an email from a debt collection agency who've been trying to track me down due to unpaid ebay fee's from last year, the reason they never got hold of me via letter is I'm no longer at the address my old ebay account was registered at. If I remember correctly the fee's were due to a customer charge back that I…
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How long to set aside a ccj?
I have read a bit on this since discovering a ccj on file which I had no knowledge of as it is registered against an address moved out of 3 years before the court case, hence I knew nothing until now. I think I have a case to get it set aside (many reasons) but my question is how long is it likely to take to do? Have…
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Settled Default - HELP!!
Hi all, I recently applied for a credit report off equifax and to my horror found that BT had applied a default against me from 2009. I rang BT and they had no records of me ever having an account. I ended up dealing with the executive complaints team after emailing the CEO in despair. He confirmed that there was a balance…
