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Have I got a leg to stand on with Halifax and DCA?
Afternoon MSE peeps I had a defaulted overdraft with Halifax a few years ago, which was sold to a DCA. When the debt was sold on, the DCA then reared its ugly head on my credit file - so there are two records of the same debt. Both now show as satisfied. What are my chances of one of these defaults being removed? Or am I…
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Default added to Credit File over hilariously small amount
TLDR; An assumed wrongly-added default added to credit profile over a meagre £35.00. Hi All, Just a bit of background on this (apologies for the length): I had a mobile phone contract with Orange (renamed to EE about half way through) which came to an end at the beginning of 2012. About three months prior to the contract…
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Payday loan not showing on Experian and Equifax?
Hello I was just wondering if anyone else has found that their payday loan does not show on their Equifax or Experian credit report? The loan was taken out in July. It does show on Call credit and noodle. We are in the process of looking for a mortgage so just wondered if anyone else have come across this? Thanks
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Boosting Credit Report Advice
Hi all, I am in the process of looking to buy a house. I had an intiail meeting with an advisor yesterday about my options. When she did a soft search I failed at that point. She then went to ask me about my credit report and if I have any missed payments or high credit card balances. After going home and thinking about…
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Credit score help
Im after some help with my credit file please! 5 years ago I moved back to my parents home but left some debt at the old address where my ex still lives. I defaulted on a card at that old address almost 2 years ago and I have another credit card and a store card at that address along with a shared mortgage which are all up…
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Noddle wrong - and just applied for a mortgage
I applied for a mortgage on 31 Oct and am still waiting for a decision. Before I applied I checked Experian and Equifax - both fine. My mistake was I completely forgot about Call Credit. So, I've bow logged on to Noddle and there are lots of mistakes on there... It has an alias down for me which is wrong (it's actually the…
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Credit Score Won't Budge!
Hello! I just wanted a bit of advice. To cut a long story short when I was a student I got into a bit of a mess and ended up with a few late/ missed payments on my credit report. My score was pretty atrocious, but I'd never had a CCJ or anything like that, and I did eventually pay everything back! Everything is now up to…
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credit rating association with ex
Hi, I'm wondering If anyone has the answer to this; My husband checked his credit rating last night and found he is associated with his ex girlfriend credit. It looks like a loan dating back 7 years ago it had fell in arrears for 10 months. My husband can not remember if he was guarantor or named on the load or joint? We…
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Linked address showing an account in arrears
I've just ran an equifax credit report as I've received a fishing letter from a debt agency about an old bank account. The address that I lived at until June 2008 is showing the account as being in arrears, however as far as I can recall the accounts overdraft was cleared off and they've never communicated with me about…
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ORANGE Phone company's error stopping us from getting a mortgage...
3 years ago my partner and I hit some rough times and struggled to pay his mobile phone bill, the debt was passed over to a debt collector (Moorcroft) and as soon as they contacted us, we agreed to a repayment of £10 per week. We didn't miss a single payment and I have bank statements to back this up. Eventually we got a…
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help with getting gapproved for a car
So I had a credit card a car finance agreement and a loan from my bank between 4/5 years ago that I had missed payments on but which all got payed off in one lump sum to close all accounts around 3 to 4 yrs ago! I have been living with my partner now for the last 2 yrs although the house is in her name I pay all the bills…
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Marriage doesn't hurt but joint account does?
Hi, I know Martin says that but if you have a joint mortgage anyway it doesnt matter any more? My husband and I recently bought a house in joint names so that means we are already linked and another joint account will not make any difference to our credit scores? It would just be so much simpler to join our main income and…
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Credit score of 587 and got denied for mortgage
Hello I need the experts help here. I check my credit report on noodle and i have 587 and 3/5. The only negative thing on my report is that it says limited time on electoral role as i have registered for 6 months. I applied for a Mortgage in principle from halifax and i got denied. i don't have credit cards and i have two…
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What lenders actually see...
Hi all, I am just wondering whether someone can help me understand what a lender will actually see on your file when applying for credit with them. For example I have a credit card on file, all payments are up together and always have been, good credit limit, and a low balance etc... would a lender see what company the…
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Experian Credit Reference Agency - Why multiple searches by some companies?
I have checked my Experian credit score and it is pretty healthy which I'm pleased about. But in the report, where it shows previous credit searches that have been carried out, there are some things I don't understand. For example, I applied to Screwfix Ltd for a credit account. They checked my credit score at Experian (as…
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Notice of Disassociation? How long does it take to disassociate ?
Equifax, Experien, Call credit When doing a notice of disassociation with all 3 of them, for somebody joint with you, to break the link then how long does it take for this to happen? (after you fill in the form, and post it to them) How long can it take, for them 3 CRAs update and remove the links? (I know it can be done…
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removal of late payments
Hi advice needed if possible, I had two late payments recorded on a credit card which has since been closed and settled, due to circumstances the credit card company have agreed to remove these late payments and have reported this to all three credit reference agencies which is great news. Yet I am just making sure will it…
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Electronic ID Check Failure
Hello All, I'm registered on electoral roll for last 3 year and have a good credit rating with no missed payment (I confirmed this with Equifax credit agency using their 30 days trial service). However I'm getting failed reports on while applying for certain products as they unable to confirm my identity on electronic id…
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BT woes
Hello, Hoping someone can offer some help with a legacy issue. Around 6 years ago I shared a house with a friend - bills were shared 50/50 and we were each named billpayer on selected bills. Friend was name contact for BT bill. Friend then got job in Scotland, so rang BT to transfer bill into my name, friend moved to…
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Linked addresses and CCJ Expiry
Hi all, I have a CCJ expiring next week and am thinking of applying for some credit for a new car(company car contract expiring), I will be putting some cash down too so will only need part finance of about £5000. My credit file accounts other than this CCJ is all good with an active credit card with no missed payments…
