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Audit - footprint on credit file
Just looking for a little advice, Looking at my husband’s credit file and he has a financial link with his father, my husband has never knowingly applied for any sort of credit with him and they have lived separately for over 8 years now. We’ve now seen that there are some searches named as “Audit” it states no company…
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Erudio and tax credits. Help!
I've just had a letter stating Erudio won't accept my deferment application as I earn over the threshold. Except they're counting child benefit, child maintenance, working tax credit and childcare tax credit all as 'income'. I thought child benefit and maintenance weren't counted and childcare tax credit is only paid based…
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Credit rating - joint account
Hi, I was just wondering if I add my wife as a joint name on our Water Supplier account, will it go towards her credit rating as well, or will it be just mine as I am the primary account holder? Thanks in advance! Tom.
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Credit check with Estate Agent
Hi, I am looking to rent a property within the next 6 months but only have a credit score of 563. How much of a credit check do they do? Will I be refused? I tried to open a bank account (A second one for my bills) but was only offered a cash+ card. Does this mean I won't be able to rent if I can't even get a second bank…
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Mortgage application failed due to credit score
Hello you lovely people. Can I pick your brains please? Nationwide have turned me and my husband down for a joint application mortgage. Presently on our property we have an outstanding mortgage of £146,000. Our property has been valued at £210,000. The house we wish to buy is £310,000 for which we have just been turned…
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Applications cancelled - will it affect my credit rating?
I've just moved back to the UK from Germany, and since we had some quite large purchases to make I started an application for a John Lewis partnership card (I wanted to buy our electronics from there because of the five-year guarantee etc). Anyway, I put in an application in September and because we were in very short term…
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Will CIFA warning affected credit score?
Going to be applying for a mortgage soon so been checking mine and my boyfriends credit score. The only concern I have on his, late last year his EE phone account was hacked and 3/4 business accounts were taken out under his contract running up hundreds of pounds onto his contract account. After weeks of complaining to EE…
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Template letter of complaint
Is there a template letter of complaint about not reporting accurately to CRAs? I paid a full and final settlement to Post Office Credit cards of £3600 against a balance of £4042 in May 2013 and The bank of Ireland have not reported this to the CRA's and it shows as open with a delinquent balance of £4042 in default. I…
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A Financial Association Question
I have recently become a member of experian so that I can keep an eye on my credit score as I am hoping to get a mortgage. However it appears I have a financial link to my ex. When we were together we had a joint bank account with the Royal Bank of Scotland, but this has been closed due to my IVA completing. It says that…
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Help needed re: credit rating and renting
Hi, wondered if anyone could help. We need to find a rental property as we've just been given notice to quit our current rental. I work part time, and my income is pretty small. My husband earns a good wage, and he jointly owns a house which his ex pays for, but she pays sporadically, and his house is under a repossession…
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need some clarification
Hi guys :) Slightly new to MSE, came on here to get some motivation for paying my debts off and i found it so thats good. I have about 7 creditors and my credit score is 71 on experian and 1/5 on noddle which is understandable. Just need some questions answering about my credit file though. 1.) When i have paid all this…
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Default added to my credit file 18 months later
Morning MSE peeps My apologies if this has been answered already, I have tried to search but I can't find the specific quote/information I'm looking for. I had a debt with a payday lender some time ago, which was sold to a collection agency. Neither the payday lender or the DCA report my account to Experian, but they both…
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Credit card disappeared from experian???
Hi all, just logged into experian to see my score has shot up a lot, then realised it's because they've removed my only credit card (capital one Classic)! So now it's not reporting that I'm using any credit at all. I'm a bit worried now! Why would they do that! And if it goes back on again will it Count as a new account…
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electoral roll
Hello, I applied for a barclays current account and was declined and i think it was because i am not on the electoral roll at my address, I got myself registered and called into the town hall and they said i will go on the electoral roll on the 1st of December. Will i be able to get a barclays current account a few days…
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Compensation from Barclays
Hi, I recieved a letter today from Barclays stating that they had made an error in information they had reported to the credit reference agencies. They make a point in the letter that this error may have affected how other financial organisations make decisions about my leading. They go on to list a long list of ways and…
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Credit file missing?
Hi! I started lurking this site long time ago and today I have finally registered and I am about to write my first post. I have found myself in a quite bizarre situation today. I rang barclay's earlier today to cancel my business debit card (which I am not using) and during the identification process I have been…
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Currently setting up Token Payments, how will this affect me
Hi All, I lost my job in August which led me to default on a number of store cards and credit cards, I have spoken with stepchange who have helped me clearly see my income/expenditure which shockingly only gave me £10 per month after all my essential bills - when I was in work! They have suggested that i offer each of my 7…
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statute barred account closed
I have been chased for over 10 years about an account (one of many) that was taken out in my name when my bag was stolen in a night club. After much fuss and kerfuffle I today received a letter from the current owner of the credit account stating that the original account is statute bared, my account has been closed & that…
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Lowell Portfolio success story!
I thought I'd just share a bit of light in all this darkness :beer: I took out a 3mobile internet dongle in December 2007. I was told it'd work in my desktop pc and give it internet access. This was not the case - it was mis-sold and wouldn't even begin to work. I took it back and expected that to be that. Oh no. Fast…
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Stoneacre Finance Approved
Hi guys I recently applied to Stoneacre for finance on a vehicle as I need a bigger car due to a new family addition 😀 I just wanted to ask you pro's in here a question on a independent side. Basically my credit file is shocking, I wouldn't even lend myself money, when I applied to Stoneacre i was as always expecting the…
