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Turning a negative into a positive?
Am I right in thinking that if I have a default on my credit file, then by getting a credit card (vanquis or other for poor credit rating) and paying it all on there, then paying off the vanquis card minimum payments... It's so hard to word this post, oddly. Default, paid by credit card, pay credit card minimum payments…
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Appealing a Mortgage decline decision
Hi, Just had the worst day ever. I had what I thought was a good credit rating until noddle got involved. Got accepted for a decision in principle with Halifax to find out today that they use noddle, an additional credit rating company who as far as I can see use out of date info. I have cleared my debts and as far as I'm…
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Newbie question
Never had to check my credit before but I applied for an m&s bank account and received a letter stating they had rejected me even though my credit score was acceptable.. They said that they had checked with a credit reference agency and the info they held on me, or a person finically linked to me resulted in a rejection!!…
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Help with Rebuilding credit file/Rating
Hi all, Just after some advise on re-building my credit file/Rating. Just some quick background: When I was 18 (13years ago) I had a credit card with my current account, I maxed this out and then got a loan to pay this of (with bank) and enough left to buy a car (2500 pound). I then lost my job and couldnt meet the…
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Identity Fraud Victim
Hi All, Hope someone can help me here as i have looked everywhere for an answer but nobody is helping me. So I have just found out that i have been a victim of identity fraud by one of my family members. They have owned up that it is them who done it and are willing to take the debt on their name. However, i dont know how…
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financial disassociation problem
Hi everyone, My wife and I shared a joint account since 2012 and live together at the same address. We closed this joint account one month ago. Recently, we contact Experian to ask financial disassociation. The reply what we got from Experian is below: I am contacting the company concerned for you because I can't amend the…
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Addresses on my credit file
Basically, I'm 19 and at uni and confused about which are my previous addresses. Are these the previous addresses the councils have been aware I live at, or the previous addresses on my bank account? (Since I lived in student accommodation last year, but my bank was registered as my dad's address. Also, before this, it was…
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Mortgage Guarantor
Hi all, A word of warning to all would be guarantors! I was asked by my son and his partner to be the guarantor for their mortgage. I agreed to help him so that he could get onto the property ladder. Things went well for a start, but a few years later he split from his partner, became out of work and built up arrears. The…
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Lowell advice needed
Hi guys looking for advice I have received 3 letters from Lowell for store cards amounts 500 pounds, 800 pounds, 500 pounds! History is I had a baby split with partner and struggling a bit! Looking for advice can I set up a payment plan? Was thinking 10 pounds per month for each, do they need proof of income? Also I'm…
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CCJ Setaside, is it worth it.
Got taken to court over a late payment despite settling the initial invoice well before it went anywhere near the court, the claimant used the "Late Payments of Commercial Debts (Interest) Act 1998" and claimed interest, the fixed penalties associated with the act and their costs. I didn't dispute the claim, I only…
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Desperately need help and advice
I need advice for my brother in law He separated from his wife 18 months ago because serious debt came to light that she had occurred Non payment of bill, non payment of Mortgage, (3 repossession orders on the house tat she borrowed money to clear) borrowing from friends and family and not paying back My husband and I have…
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Credit Report with Noddle
Anybody know how good/reliable Noddle is? Just paid £20 for 'Noddle improve' which gives me unlimited access to my credit score for 12 months plus advice on how to make it better. As far as I can see.....I can see my score and the advice is about 5 bullet points worth and common knowledge to anybody trying to rebuild bad…
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Can I view my credit report if I am outside the UK?
Hi everyone, So in about 6 months time I am coming back to the UK.The problem is I cant view my credit report due to lack of a UK credit/debit card.I know that I have a CCJ from 2010 which I found out from trust .gov site. But that's all I know.I am suspecting 2 or 3 defaults.Only my Natwest student account default should…
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Clearing debts effect on mortgage
Hello, I have been in a DMP with PayPlan since the end of 2012. I have three debts amounting to around 7k. I am currently in a position where i can clear the entire debt. Payplan are keen to arrange a settlement figure and approach my creditors, their example is around 5k to be shared equally. My credit report shows two…
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CCJ credit file removal advice
Hi I have a CCJ which was logged on my credit file 11/11/2008, satisfied in 2011 which I presume will be eligible for removal today after 6 years on my file. Can anyone advise what I need to do please? Will it automatically be removed or do I have to contact all the credit reference agencies to do this? Thanks for your…
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How long till defaults are removed?
Long storey short... defaults are on FIL CRA file - they are not his, they are his sons with the same name. He has disputed this with Capquest so put the defults in there. They have asked for confirmation/proof to be sent over them to show that he lived in his current address in 2011 when the defaults were put on there.…
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Late Payment on credit report
Hello, I was wondering if anyone could help me. I bank with first direct, and had insufficient funds to cover a payment to my mobile phone provider. As soon as I realised that the payment didn't go through, I called my phone provider and made a payment over the phone with a different payment method. I have checked my…
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Capital on- default
I paid less than the min payment in April 2009 and not understanding fully at the time the consequence of my actions and by the time I contacted Capital One my account was placed on default. Since then I have been paying £110.00 per month. current amount owed 1127.00 Does this mean that in April next year the default will…
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Experian Help! Losing the will to live with them...!
Hi all, I am hoping someone might be able to help me out in the best way of dealing with Experian. My problem seems to stem from having an address that not all computer systems can cope with (Flat Number, Building Name, Road Number, Road Name, Town, Postcode) to add complications the Road name has a St. which can be…
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Messed up can i do anything
Hi all, Ive been keeping track on my credit rating for years now and in the last 6 years i have not had a single bit of bad credit My rating on equifax was about 488 and set as 'excellant' Now i set up a barclaycard account and forgot to set up a direct debit so my bill wasnt paid i rang up immediatly, paid it and set up…
