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Why is it not on my file?!
I took a phone contract out and was paying monthly for my son. A year later my sons father offered to continue to pay the monthly bill. I rung the provider and just gave them new bank details. He has now been paying this for over a year. As the contract is in my name I'm guessing I'm responsible? If he misses a payment I…
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Lowell Portfolio showing "default" on excellent credit rating - HELP!!
Hi Guys, hoping someone can offer some advice... Yesterday, I popped into TSB with OH to open a joint account and open an account for OH. I already have two of their "classic plus" accounts with £2k sitting in each. OH's account was opened no problem, but when it came to opening the joint we were declined - to mine and the…
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Removing a Payday loan from credit file
Hi I know this is a long shot, but is there any way of removing these from my credit file? I'm not disputing that I took them...so I suppose I deserve them to be there...However, they are all from Wonga and I know Wonga recently wrote off a load of loans and also wiped evidence from customers' credit scores- therefore it…
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Credit Report Address problem (Equifax & Experian)
Hi all, i would be grateful if someone can point me in the right direction here. i have accounts with Equifax and Experian, both were showing my incorrect (old) address, and missing information on my credit card, which is registered to my current address, and showing that im not currently registered on there electoral roll…
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ccj close to default timeout
5.5 years into a default , keeping head low , now received paperwork from county court. I don,t deny it , but cannot afford to pay it , even as payments for the next 10 yrs does the CCJ restart the clock as far as lenders can see? , ie: another 6 yrs?
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Lowell Portfolio Claim Form owing over 6k
Hello All My wife has received a letter from Lowell Portfolio Ltd for a outstanding debt of over 6k Claimant LOWELL PORTFOLIO I LTD ELLINGTON HOUSE 9 SAVANNAH WAY LEEDS LS10 1AB Address for sending documents and payment BRYAN CARTER SOLICITERS LLP[ 11 DE HAVILLAND DRIVE WEYBRIDGE SURREY KT13 0YP In the COUNTY COURT…
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Sigma Red appeared on credit file?
Hi, I need some help with a Sigma red account that has just appeared on my credit file, The account is in relation to a Lloyds bank account that i defaulted on years ago, I am in a payment plan for that account with Restons. The date of the default was in 2008 so the account disappeared from my credit file this year.…
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Help with poor credit file
Hi guys. I have been dealing with bad credit now for a few years and I can't seam to get it to budge. Here's an overview at the moment: (CreditExpert) Score: 788 2 defaults which were paid off in full in winter 2011 (one for £26, one for £205 :( ) 1 CCJ which was paid and satisfied in winter 2011 for £288. Otherwise I have…
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Getting A credit card while mortgage shopping.The effect?
Hello, I am currently shopping around for mortgage and would like to also apply for a credit card now. my question is How long do i wait when i apply for a credit card before going back to apply for a Mortgage?
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The death of cashback, air miles and 0% credit card deals?
Apologies if this is old news but I have not seen this mentioned anywhere else: http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/11254013/Death-of-cashback-air-miles-and-0pc-credit-card-deals.html The outcome of the FCA inquiry is predictable. EDIT: OOOPS, posted on wrong board, should be in Credit…
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Electoral Roll Question
I am currently going through a mortgage application and recieved a call today from my mortgage advisor saying that i have been refused a mortgage because of something on my credit history. He advised me to sign up for a free trial with experian to find out what it was. After doing this the only thing on there was that i'm…
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Credit file that I didn't know I had
I have no interest in credit ratings or what they stand for but NS&I were needing to check my identity on the phone today so they got security questions from Equifax to ask me. I have never dealt with Equifax in my life so I thought "this should be good" First 2 questions were straightforward enough but the third one kind…
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Other credit reference agencies
I was wondering if anybody was aware of the full list of credit reference agencies in the UK? I've got my records from Equifax, Experian and CallCredit, but I've recently been made aware that a number of lenders use other CRAs. Names such as Teletrack and Perfect Data Solutions have been mentioned to me and I'm in the…
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Illegal to sell info to debt collect for settled accounts?
Hi, I closed my mobile account with T Mobile (now EE) back in 2010 and as far as I was aware had no outstanding balance. Last year I requested a credit report and saw I had defaulted with the t mobile account with an outstanding balance of £47. I contacted EE to query this as I hadn't received any letters chasing the…
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noddle vs credit expert
Evening all. I know not to read to much in to credit score, however, I have 3 defaults with the final one to expire in march. They are all registered on both noddle and credit expert, but I have an experian score of 992 but a noddle score of 2/5. I am not struggling to obtain mainstream credit any longer, but I don't…
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sky connection not shown on report
Hi All, I have subscribed with Sky Broadband for the last 2 months and still cannot see on my credit report with Noddle. Even I cannot see on credit searches also. Rest of all accounts are showing and up to date. Is there anything I have to do if so what to do. Thank You All
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Does Virgin Money (Mortgages) report to Experian?
Hi, Been trying to find the answer to this all day to no avail. Does anyone know if Virgin Money mortgages are reported to Experian? If not, do they report to Exquifax or Callcredit? I am trying to get a Buy to let mortgage and need to prove I am an existing homeowner, but my mortgage isn't showing on experian!! Thanks
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Can I get a building society to tell me way I present a credit risk?
I have several buy to let properties and my own residential property. This year I have already re-mortgaged two of my properties (both required a credit check). The most recent was a buy to let mortgage with Leeds Building Society which went through fine and completed last month. Since then nothing in my personal…
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Repairing Credit Rating
Hi I have just (last month) finished paying off a Debt Reduction Plan for 3 Credit Cards that I went out of control with a few years back. I currently have no debt other than my outstanding mortgage and an agreed £50 overdraft that I don't actually use. I have a Nationwide Credit Card with a £2000.00 Limit and a current…
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Removing old owners link to house
Just bought a house from a couple who struggled financially, and am worried their names, or their grown up childrens names may affect our new address in some way financially, or is that not possible? Last thing I was is one of them applying for credit, or owing money and it marking against my new home Any advice greatly…