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Credit rating. Unpaid bills abroad
Hi All, I've moved back to the UK after a 2 year stint in Portugal. I've paid all my outstanding bills however I'm expecting a large 500 Euro bill to be sent to my old Portuguese address. The bill is related to an internet and phone package. I was wondering if my UK credit rating would be effected if I did not pay this…
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default on credit report - advice please
Hi my name is currently not on the mortgage even though I paid a substantial sum towards deposit because I have a default from Jan 2010 on my credit file. This was paid within months. However, we now want to add my name to the mortgage but am a little concerned as there is still 11 months left before default is removed. Is…
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advice on one off lump sum settlement needed please
Hi guys, not sure if this is the right place to ask this but here goes....So I have been paying off a bill of £21,612 at a rate of £450.25 pm, ive never been late or missed a payment, this is something the creditor and I agreed, not through any legal settlements or anything, I got a statement of accounts along with a…
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Utilities on Credit Report
I have direct debits paying my water & internet and I recall seeing at least one of these on a previous report... But now they're nowhere to be seen! Surely as water is (obviously) on a credit meter at all times (how long before they bring in prepay haha) then it's going to appear on a credit report? Does anyone know which…
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OMG, could cry, what happened :(
I am miserable this morning :( . Just got a letter from Barclaycard to say they are reducing my credit letter following a change in my credit file. In a panic I have run off to check my credit file and whilst almost everything is green and up to date (including everything in my sig), my new First Direct account has ravaged…
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Super confused, help!
I posted yesterday as we had the nice surprise of a default dropping off my husband's equifax report as it was 6 years since the last default. It was a surprise as we believed it would be 6 years from the settlement date which isn't until July 2016. I was assured that it is definitely 6 years from the default. Now having…
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Life after DMP
I am looking forward to the summer as after 8 years on a DMP through Stepchange (I'd highly recommend them to anyone) I shall be debt free. It's been a long and rocky road but will finally be able to hold my head up high and be £300 a month better off! Does anyone have advice as to when and how to start rebuilding my…
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Barclaycard AP/AR markers
hi there, Looking for some advice. I had some financial difficulties back in 2006 and defaulted on a number of credit cards. Barclaycard didn't default me but marked it as an ongoing arrangement to pay which I understand is common for them. If they had defaulted me in 2006, it would have came off in 2012. I have records as…
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Experian i hate you
So im applying for a mortgage for a small flat and i know i am the front with the applications so spent all day filling out forms. One of the requests was for an Experian credit check. Signed up to the site, only to find out you have to input your credit card details, not only for ID....but they want to put you on a…
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problem
Trying to do a soft search on the site for a credit card on 0 percent but my address is not recodnised,i have a credit card and bank acc at this add can anyone help
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advice needed
hi. any advice really appreciated. i have applied for finance through a company that has previously accepted me. this time i was rejected and i downloaded a report from callcredyit company they used on my check. it gives me a score 3 out of 5 but i notice it says i have 3 anti money laundering from 3 bookies from 2013 who…
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Credit Report Default query
Hi all, Firstly, I am new to the forum, not reading just posting, so would like to say hello. Now getting onto the basis of my thread...I have a question and would love it if someone could help me out with any information available. A few years back I got myself into a bit of debt after a divorce etc and ended up trying to…
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HELP PLEASE!!! Erudio Student loan defferment problem
Hi Money Saving Experts, I'm really down and I hope you can help and guide me with my student loan problem? I was a university student between 1995 - 1999. During those years I took out a student loan. I have paid some of it off, but I still have more than half of it still outstanding. My employment situation has been…
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Close paid off credit cards after consolidation?
Hey :) I have been accepted for a consolidation loan at a lower interest rate than my credit cards. Over the next few days I plan to pay off my credit cards in full. My current debt is 8k and will be payed off via the loan in 24 months. My credit rating is "fair". While I want to be debt free, I also want to improve my…
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Default disappeared
We are in the process of trying to get a mortgage so have been looking at our credit files. My husband had an old account with Lloyd's with defaults and then an AP. The last default was dec 2008 and the account shows as settled in July 2010. This showed up on equifax but has disappeared in the last day or so. We thought it…
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Odd search on credit file
Hi all, I've just checked my Noddle report and there is an odd search on it. It's against a previous address in my maiden name by an insurance company I don't even use. It was done last September but I only have one insurance product and that renews in July (I did double check who 'owns' the company I am with and it isn't…
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Ccj
Afternoon, I have recently discovered a CCJ on my account for a Provident loan in 2007 that I most certainly did not take out. I have written to Northampton County Court and got the details but I dont know where to go from here. If I delve any further I am worried I will get stuck with this debt and have to pay it off. But…
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Ombudsman rejects AR removal request
Hi guys, I have an AR marker from Barclaycard showing on my credit reports, which will be there until 2018 (10 years in total). I went through the process of asking Barclaycard to change this to a default account so that it will drop off my report(s) sooner (unfairness / old ICO Guidelines), but they wouldn't budge. I then…
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Electoral registration on credit files
Hi My partner and I moved homes in September. We applied to be added to the electoral register, which was confirmed in October. However, this information is still not showing on my credit file. Is this normal? How long should an update normally take? Many thanks
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partners poor credit ... Help
Recently me and my partner applied for a mortgage in princible to find it been rejected because her credit score was too low. I was told the company the lender checked with was Equifax so i did a report on there and checked it. She doesnt have any credit at all other than a mobile phone, she never has had a credit card ,…
