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Knowing your credit score will help you find the right mortgage...
I've been a member of Experian's Creditexpert.co.uk for years. irked by their most recent ad campaign citing the significance of credit score when applying for a mortgage. As a senior broker, I've asked them to justify their claims before I ask the ASA to get it removed for misleading the public. Course, I remember a time…
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Credit rating shock
Hi Until recently I was a classed within a good credit rating, however due to crippling over draught fees I got into a bit of bother, however I never missed payments on loans or mortgages, or direct debits. Now, I have cleared both over draughts, paid off my bank loan early and my only other borrowing is now my car finance…
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isme/very credit.
Hi there. i was hoping for some help. i am trying to get my credit up as i will be applying for a mortgage in 18 months. i recently set up a isme account to start buying things for the house before we move in, by using isme/very and paying my repayments on time each month, will this make my credit rating go up. or do i…
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Arragement to pay
Hi everyone, I do apologise as this is the first time on here (even though I have read lots of good and useful information on here before) and this might seem like a very obviously stupid question. Firstly, my partner and I are just in the process of buying the house we live in off her parents. We have been to a mortgage…
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Default - fees/interest refunded but on credit file
Hi all I'd really appreciate some advice on this. I transferred a small sum to a 0% credit card, but made an error in setting up a standing order correctly (omitted the ref number), which meant that the payment left my account but was immediately returned on the same day. I only discovered this when I returned from holiday…
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Clear a loan with an overdraft so it looks settled on credit report?
Hello all I currently have an overdraft which i'm slowly paying of, and a loan of 470 which I am also paying off. I was wondering whether it would be a logical idea to use my overdraft to clear my loan, so that it appears settled on my credit report. Any ideas as to how this would look? Is this a good idea? I'm really not…
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People at a similar address showing on my credit file?
Hi, I recently signed up for a months trial with a company to see my credit file. It all seems to be up to date but in the Electoral register section my neighbours are listed We live in 5 roadname road and they live in 5A roadname road, Why are they showing on my credit report, should I apply to have them removed, if so…
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How does a Partial Settlement affect future credit?
I have been paying into a DMP for about 7 years and, although I still have a little outstanding, a relative will be giving me some money in a couple of months which should enable me to be able to offer a 50% settlement to pay off the remaining debt and end the DMP.:j I have informally contacted a few of my creditors and…
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Amex Chargecard
Hi, So I'm looking to give myself a solid start in life by living debt free. Been spending the past week or so working out my future finances/budgets etc and definitely have no interest in ever getting a credit card - I have a sister who is the opposite of me with more maxed cards than I have shoes. But I am quite…
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Experian got my new card details from somewhere?
I took advantage of the 30 day trial period for experian around this time last year, I cancelled before the end of the trial but agreed to the £1.99 a month identity fraud e-mail alerts. Then a month or so ago I lost my wallet as a result I cancelled my debit card that was used to pay the £1.99 a month, I'd actually forgot…
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what a joke experian and apple finance are.
I checked my experian report etc showed a score of 964, so I applied for an apple laptop. I was rejected by apple stating tht they have taken into consideration experians score and info about me, so it does show its worth diddly squat this scoring, If I am 964/1000 average allegedly being 808 whats going on?.....did I post…
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Credit rating
Hi there, I have recently spoken to a mortgage broker as we were hoping to move. She has taken one look at our credit reports and said that it's not going to be possible, because my husband had 3 missed payments in June on acted it card and one that is on arrangement pay. The broker said to re look at things early next…
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Misleading terms on a Payment arrangement
I had a Cahoot current account which offered a free £250 overdraft, I had always kept within this Overdraft limit, in October 2011 Cahoot changed their T&C's removing the free overdraft. They did not communicate this to me prior to making this change and I was only made aware when their collections department made contact…
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building credit rating
Hi Just been chatting with a friend and she told me that she had past credit problems to the tune of £9000 all the accounts were defaulted in the last 3 years this was due to her relationship breaking down and she was unable to pay. She has since tried to sort herself out she now wants to try and build her credit rating…
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Phone number for Noddle?
I have a longstanding issue with Noddle with emails going backwards and forwards for months. I wait 2 weeks for replies always from a different person and it's getting ridiculous. Is there a contact number?
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Credit file/electrol role DOB wrong
Please can anyone advise? My Son who is 22 has been trying to get a contract mobile and is having great difficulty. After lot's of trying to find out why we find that Equifax have under his electrol role details his DOB as 1/3/1992, he was in fact born 29/02/1992. We contacted equifax by e-mail and spoke to them on the…
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I opened a credit account at 17
hi, I need advice! When I was 17 I opened up a credit account with Next to buy my mum a coat (I had the money and paid for it) and then a few months later I started shopping on it and got in a considerable amount of debt. Luckily (or not so as I have never heard the end of it) my parents found the letters and bailed me out…
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Defaults on credit report
Hello - just after a bit of advice regarding defaults. My partner is one of those people that thinks ignoring stuff will make it go away! We have been trying to get a credit report for him for 3 months but it was saying he didn't even exist, I ensured he was on electoral roll and updated bank address etc and finally been…
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Debit cards and credit ratings
Hello, I'm hoping to get a mortgage in a couple of years so have got a credit card for that reason. However, about 3 times in the last 3 years, I have gone over-drawn on my debit card, and got a charge of £10 for this. Will this affect my credit rating? Thanks.
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Credit file
Hello, I am just after some advice. I have always had a very good credit report (very high score, no late payments, no defaults, etc.) until this year when I got a CCJ in Feb 2014 from a private parking company over a very small amount of money. The CCJ came about from bad advice, missing court papers and just general bad…
