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Correcting Credit files
I have a mortgage with Barclays which has a few missed payments on it, butit doesn’t tally up with my bank statements – I set up a direct debit and itsbeen collected the last working day of the month since 29th November2013 (no missed payments at all). But on my credit reference agencies files itshows payments as being 1…
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Backdated Default Success
Success with halifax in backdating a default, 1 letter was all it took, started my DMP in and around the end of 2011 but they didnt default me until 2013, they are backdating to July 2012, they are also refunding all interest and charges, and giving me £75 compensation However they will only refund the interest and charges…
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Can a DCA Give You a Bad Credit Rating
Sounds a silly question I know but for the last few years my credit rating was perfect then suddenly in January it plummeted to really bad! Even though I have money in the bank no debts and haven't missed any payments (nothing really to pay) or borrowed money etc. It seems in January a DCA lowhell decided to say I owe them…
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British Gas - Grrr
Hello! I owned a property which had tenants until last December when they left. The house remained empty until I found a buyer for it, and the sale completed in June. As I lived a long distance away from the property I left all of the paperwork etc to a local letting agency. I have applied for a mortgage recently and have…
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Studio 24 / Express Gifts Ltd - Fraud/Scam?
Afternoon all, On Wednesday this week I received a 32 inch flat screen TV through the post. The address label on the front had my correct address and full name including my middle name, which is interesting as I don't often refer to my middle name, but it does appear on my credit card. Initially I thought it was a gift as…
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Nationwide Credit file problem
Hi, hope somebody on here can help my situation. In 2010 I got into a bit of financial trouble, so (with a bit of salesmanship on their part) I went with a debt management company to put my four debts under their control. I thought that going with them would be better in the creditors eyes than defaulting etc - big…
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Old virgin account help...
Hi there, ok so the quick history of this is I had an account with virgin way back in 2005, it was for a phone line and I wasn't happy with the service and argued it out with them and stopped paying. I thought I was being clever and was in so much debt back then anyway (minor debt) I wasn't overly bothered. Anyway they…
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Great credit score but no credit
I know this probably gets mentioned a lot but I really don't know what more I can do. I checked my credit score on experian and it's 999!!! Can't get any higher than that, but I have one default from just over 3 years ago. I was travelling and couldn't pay my mobile phone bill one month. The debt is settled, as it was…
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basic bank account, report to CRA?
Hey all, As some of you know I am in a position of having Zero Credit History at all, Nada, not a bean. Finally found I am now registered on the electoral roll so going to get out there and get a basic bank account and get some history, got all my ID and documents ready and waiting, utility bills and passport plus driving…
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Default and CCJ
Hi all, Looking for some advice on my credit situation. I had a student overdraft around 2005. It was at £1000 OD and I dropped out of uni to pursue full time employment. The bank informed me that I couldn't keep the student overdraft and would have to set up repayments. I set these at £100 a month and forgot about it. I…
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Total amount of debt showing for loan
Hi, I have recently settled a NatWest loan and paid it off with a M&S loan at a far lower rate. The M&S loan has just appeared on my credit file and is currently alongside the NatWest loan pending NatWest informing the credit agencies of the closure of the older loan. However, there is a difference between the two in that…
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Credit after default expired
I'm looking at selling house to clear 4 defaulted credit cards of which 1 defaulted 4 years ago. Planning to settle using pro rota reduced payment as partial but settled. Will this affect my credit in the future when reapplying for a mortgage after the last default is just over 6 years old. Also does anyone have a idea how…
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Wrong info on CCJ?
Might be grasping at straws but the amount registered on a ccj against me from 2009 on the registry trust and cra's states £490. It is marked as satisfied on the credit reference agencies and the registry trust. I've just received the receipt from when I satisfied it and the amount was actually £380.88. The £380.88 was…
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Payments reflecting on credit report
I've had some longish standing credit card amounts which have recently been paid off as a lump sum, bringing their totals back down to zero. However, I've been told that this can take time to reflect on my credit report. I didn't know this, and am applying for a mortgage - eek - so, does anyone know how long it can take to…
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credit with 1 default 5 yrs old
would it be a decline if i apply for lease car credit if i have 1 default on my credit file its 5 years old and was 350 pound ,everything else in my file is great but doesnt want apply if get knocked bk ,what are my chances ,thanks
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Credit Card Eligibility Checker Problem
Hi everyone I used MoneySavingExpert Credit Card Eligibility Checker every time I tried I received below error : ((Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again.)) What does it mean ?! I opened account in Experian.co.uk and I have 791 fair Credit Score. Thanks
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Will my default drop off if I'm still paying it?
I am currently paying off 2 debts which defaulted a few years ago, which when looking at my credit file state the default will be removed soon. However I am paying these off gradually with payment arrangements made with the debt collecting agencies who have had the debts passed over to them. I will not clear them at the…
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Huge dip in credit score then it's shot up again - why?
Hi, I use checkmyfile monthly to see how my credit score is going as I had a DRO in Feb 2011. It's crept up some 10-15 points per month for the last 2 years or so now as all my 'new' credit (1 phone bill and 2 credit building CC's) has always been paid on time and all those accounts show as OK. However last month, the…
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Equifax question
I paid for the statutory credit report from Equifax and got a snapshot dated 22/07/14 - my mortgage adviser wants to wait until my credit report updates as I have a missed payment showing within the last year that will move in year 2 once the payment on the end of July has been taken into account. Anyone know when it…
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Equifax problems
As recommended by MSE, I took a trial subscription with Equifax in May 2013. I cancelled before the free month was finished and received an email confirmation that the account was closed. I have received a few emails during the past year saying my credit file / history had changed but I ignored them as I also had Noddle…
