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Historic MBNA Debt
Hello Apologies if this has already been discussed before. I don't get on here too much. In 1997 I took out an MBNA Credit Card, and ran up £3,500 limit, which then defaulted in 2000, and was handed over to Wescot Credit Services. I set up a Standing Order with Wescot and have been paying £30 a month (reducing to £20 a few…
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What happens to Defaults that go to CCJ?
Just a general question. If I have a default and the provider then gets a CCJ does the default stay on the file, or get replaced by the CCJ?
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Should I be concerned?
In August I started to receive letters at my address for a person that didn't live here and never had. The letters were from Liverpool Victoria (LVE) and one from another company. Both were relating to an insurance claim. Initially I dismissed these letters as a mistake. A week or two later more letters arrived from the…
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Lost my job recently. Cant afford to pay imminent CCJ
Hi guys. About 5-6 months ago i was told that i may face a CCJ. Nothing was said for a while (no paperwork sent to me) and i thought (naïvely) that it may have been forgotten about. Well today i was told that the case will be going to mediation in a few weeks. The other week i was let go from my job and now i am quite…
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resolving bad credit to get a mortgage
So in 2012 I got into a little bit of debt, which I was struggling to repay, being young and depressed about the spiralling debt, I thought I would try and use payday loans to manage it... BIG mistake!!! (duh!) Anyways, with the help of my bf, the debt is almost cleared, albeit with a few defaults along the way. He is…
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Credit card providers not updating file?
Hi all, Just wondered whether anyone knows how often card providers (in this case NatWest and Barclaycard) update their clients credit files? My husband paid off £9000 in October, from two Barclaycard accounts he had, and then transferred £9000 from his NatWest credit card on to a 0% deal with his MBNA card, which has…
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credit file
i have no ccg's on my file and nothing else but have very poor rating it say's this because of time at address but i have lived at same address for 8 years how can i improve my rating
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Rejected by "first direct"
I recently applied for the above, to be honest to take advantage of their regular savings account. I was rejected and have just received a letter saying "you did not meet our opening criteria....because it did not meet the required credit score", later the letter states that it is confidential so no further information can…
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Old capquest default fell off too soon...
Hi guys. I've noticed an old default (2012) has fallen off my credit report. Although I have paid in full a while ago I know it stays on for ) years.. I still have another default from them on there for something else.. I'm unsure why it would fall off now. I have recently changed address but have updated the electoral…
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First Time Buyer - Confused
Hi Everyone, Sorry if there is a thread open at the minute for this question. Me and my partner are looking to apply for a joint mortgage next year after saving for what feels like a lifetime to buy our first house. I am getting nervous now however about our credit score and the chances of getting us a mortgage. We are…
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Removal of incorrect defaults.
Hi just wondering how long it would take for a bailiff company to remove a default from a credit file? They have confirmed in writing via a letter last week that the debt is not that of the person and will remove it from their file. Thanks
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Equifax are useless
Equifax have failed my credit check twice for a cheap mobile phone. They refuse to help at all. They just want e to subscribe to them. I have a perfect credit score, just had a check done when upgrading a bank account, 3 weeks ago, it was perfect. They've failed me, then wont help me? Who can look into these cowboys? Any…
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Advice Needed
Hello, I turned 18 5 months ago and have been trying to build up my credit file. I currently have: Nationwide - £600 overdraft - Balance - £0 A Barclaycard Initial - £250 limit - open 4 months - Balance £0 A Aqua Advance - £100 limit - open 4 months - Balance £0 Next Directory - £1000 limit - open 5 months - Balance £0…
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Employment credit check
Does anyone know what will show on an employee credit check. I'm looking for a new job but I've found a lot of employers want to do a soft check. I have a really bad credit rating and am worried this will affect my chances. Thanks in advance
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What is the best option for my credit file?
I have been struggling financially for some time and have missed a few loan/credit card payments in the last 12 months. In July I was advised to contact StepChange and since then having been using a Debt Management Plan (DMP) to manage my debts. I currently owe £23,000 across one loan and five credit cards. I have recently…
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Boosting Credit Rating
This has probably asked numerous times. My credit rating is well basically rubbish, I am trying to get it better but struggling to get credit ANYWHERE! I expect the high APR etc etc. Any help or ideas would be great. Thank You
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Junior/teenage accounts and credit ratings
My daughter has just discovered that because she has a Lloyds U19 bank account (even though she reached this age 4 months ago and has not been prompted to convert it) this does not contribute to her credit rating because there is no overdraft facility on it. Had she realised it would have this impact, she would have…
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Credit rating dropped
My noodle credit rating that has been sitting at 5/5 for several months has just dropped on the latest report to 4/5. Pretty much nothing on the report has changed though. It's really odd. All I can think of is that my address has changed, I opened a new current account and opened a new credit card, and the electoral roll…
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Help with paying off debt
hi everyone so i have a quick question - i have debts to a total of £4700 - all are defaulted - totally defaulted - my score is 383 on experian :( - now i have gotten older i want to clear these debts off and was planning to save for 5 months to do this. i want to know about orders of paying them off- and i also seen that…
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Increasing score & few questions
Hi, I have finally got registered onto Experian to manage my credit. 20 years old and just finished Uni. You have no successfully settled credit accountYou have revolving credit that has been open for less than 10 months.The age of your accounts indicates lenders are likely to view you as higher risk Above are the three…
