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Buying musical equipment on finance, how much of an affect does it have on my rating?
Hey folks, first post here :) . I'm in no financial trouble at the minute and just posting out of curiosity. A year ago I took out finance on a piece of musical equipment (paid 50% deposit) and looking to pay back early, it was over 24 months and now on month 16. I'm good at managing my money and haven't missed a single…
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Life/Morgage Insurance
My brother past away from Bowel cancer 2 months ago and both his life insurance and mortgage insurance have refused to pay refer. medical notes. He renewed his policy on the 17th Jan and had attended the doctors on the 15th Jan with constipation. Doctors referred him for blood tests the following week which came back…
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All Credit Agencies Hold Conflicting Information!
Hello, I am very confused, as the user name suggests. I realise that I have no credit score/rating by the way before anyone tells me, I understand that every lender assesses differently and so on. Anyway, I recently applied for PCP on a Kia car and was surprised to be turned down. I have since accessed my equifax report to…
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Experian tell me someone has fraudulantly tried to get my credit report
Hello, Experian have written to me saying someone has fraudulantly tried to get a credit report in my name. they say they will take steps and having recorded this with CIFAS. I have never had any dealing with experian. how worried should i be or are they trying to scam me into buying something from them. should i be taking…
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months since last payment problem equifax
So my credit file with equifax states in a yellow box, 12 months since last payment problem. How long will it take for the yellow box to go green? Its not having an impact on my score but I would like to see green boxes rather than a yellow. I know that the missed payment stays on my file for 6 years so I just wondered if…
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Changing my addresses
Hi there, I'm looking for advice about what I should do about the address my bank accounts and cards are linked to. All but one of my bank accounts (I have quite a few as I chase interest rates and perks), my credit cards, and where I am registered to vote is linked to my parents address where I no longer live permanently,…
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Default/late payments
This probably sounds very silly but can somebody please explain the difference between late payments and defaults? My credit report shows late payments on credit cards is this as bad or e same thing as a default ?
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Credit Rating
Hi I exceeded my credit card limit on a number of occasions but still paid for ALL purchases at the end of EVERY month in FULL (direct debit). I have an Experian Report that for some reason has NOT recorded the fact that I have a credit card. Does this mean ALL lenders will NOT be able to see my credit card defaults (since…
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Ccj
I have a CCJ that will be six years old in November 2016, is it worth me satisfying the judgement or will it not make any difference to prospective lenders? Janners8
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wrong identity
A person with a similar name to me is registered under my name in my credit ratings, he has bad debts, he also has the same birth date as me but he has a different middle name, his bad credit rating have been registered under my name. What do I have to do to remove his name and bad debts from my credit rating details, this…
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CCS Collect
Hi, I have had a very non descript letter from a company called CCS Collect saying they want to speak to me but they are no details of what this is about. My name is also wrong and the section relating to "client" is empty. Has anyone had any dealing with this company? I read up a little on them on the net and it seems as…
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Equifax updating info
Hi everyone, Just checked my statutory report with Equifax and there's an old account on there showing the following info: Start Date 27/12/2006 Date Updated 03/09/2008 Date Satisfied 14/08/2008 It didn't go into default, so no default date, but I was wondering whether it would come off 6 years from Date Satisfied (a week…
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5 defaults - Any point in paying?
Hello, I have 5 defaults on my credit file, all of which will have dropped off my credit report in the next two years. I don't plan to apply for any credit inc. loans, mortgages or credit cards during this time period and therefore I wonder if I should pay off the debts I have. The debts are mainly small sums - all under…
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Default on HSBC Overdraft
Hi guys, I'm just trying to sort my finances out going into my third year of university. I went to apply for a small extension on my overdraft to help cover a deposit on a flat the other day however I was denied due to a problem on my credit report. Since then I've signed up to Equifax to check the problem out and found…
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6 year rule and defaulted accounts
Looking at my Credit File I can see that one of my credit cards shows that I defaulted in October 2010. I have been making regular monthly reduced payments since then (each month shown on my Report as defaulted) and will be making an agreed partial settlement lump sum payment next month to settle the account.:j For how…
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mortgages and bad credit
Hi everyone, First time poster, long time reader! I have a scenario that I would be very grateful for your opinions on. The Background I’m 29 years old and have recently started to consider the prospect of applying for mortgage with my fiancee. We have been living largely rent-free for the past five years in an apartment…
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Refused credit
Hi I had a missed payment 4 years ago (totally accidentally due to a mix up) of only £89 with Sony card and did pay it in full once I found out but it went on my credit rating and I was refused further credit from anyone. So I got a Capital One card and have religiously paid it off in full every month for 3.5 years and…
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Technical question - when would they default a credit card?
Hi people, I'm currently out of work having been made redundant in May. My wife works full time, and until now we've had a great credit history, fully UTD with our mortgage, 2 credit cards and 2 unsecured loans. We've obviously made some cutbacks in our expenditure, but the job hunt is dragging on and we now face having to…
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How many times can you use Experians 30 day trial?
Hi all, I signed up to Experians 30 day trial in order to remove a financial association from a recently closed and settled account. I'm still waiting for the account balances/statuses to be updated but my 30 days are inching closer (I even left it a few weeks before registering). Does anyone know if I cancel it if I can…
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Insurance quotes/credit searches and associations
Hello I am hoping someone knows the answer to this and has advice on how to correct it. A relative has applied for car insurance. In order to try and get a cheaper quote they have put my name on the policy as a named driver. They did not obtain my permission to do this. They can't remember what job title they put in for…
