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Turned down for mobile phone contract
Please can someone help. Was turned down for a mobile phone contract in May 2014. Joined Experian free for a month to find out my credit rating which was 975 Excellent. Went round in circles trying to find out the reason for rejection. Nobody can tell me. Tried again 21 Jan 2015 & rejected again. The contract was only for…
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Payday - late credit
Today I was paid late and as a result, my bank balance went into negative figures... Will this impact my credit history?
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How long does a search stay on your file?
Hi all, Just wondering, how long does a search stay on your credit report? Cheers
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MoneySavingExpert Footprint On Credit File
Hi All, Firstly, MSE.. what a brilliant site! Packed with so much knowledge and tips! :beer: I've been using the free credit report facility provided by Noddle which lets me view my credit report. I looked on Credit Report Search History which shows searches on my details over the last 24 months and I came across an entry…
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4 year old Default
how significant is a 4 year old default deemed to be?
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Credit rating advise
My Girlfriend and I will have saved enough money for a deposit come May and also be debt free. My girlfriend has no credit history apart from a phone contract which is now 4 months old. We/she is considering applying for a credit card to spend about £10 each month on and pay off of to build a record. However we have also…
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Experian Report Questions
Hi, My report does not show my current address (although shows as linked) Does not show recent credit cards so subsequently says no available credit/debt. Does anyone know why and how this can be amended? Thanks in advance.
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Partial Settlement?
Hello My husband has a few debts that he pays on a debt management plan, he has spoken to each of the companies separately and they have told him what they would accept as a partial settlement, we have the money to pay them all their partial settlements but don't know how bad that looks on his credit file, are we better…
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Joint account
Hiya, So my partner and I have been living together for quite a while and have just got a joint account as I earn more than him and what we found was happening is I felt bad having more money so I paid for a lot more and ended up skint every month. This way we thought it was better we each put a certain amount each into…
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Help needed understanding Equifax credit report!
Hi there, Just got my free trial of Equifax & wonder if anyone could help. I'm on a DMP with Stepchange & wanted to see what the balances were showing as. I had 3 credit cards (& a store card) which i stopped paying in 2009 & started a DMP soon after. The Halifax credit card is showing as "Settled" with a default date of…
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CCJ for statute barred debt
Hello all I am new to this forum so I am unsure whether I should add this to an existing thread or start a new one. In breif, I have just received a CCJ from a debt I believe to be statute barred. I had a falling out with my credit card company years ago because they increased my interest from 9.9% to 27.9% after i…
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Defaults on credit file!
Hi everyone! I'm seeking some advice about my credit file!! I have two default notices on my credit file from 2010 for £78 & £270. I checked my credit report and have been given an understandably terrible score. I'm in a position where I can clear both payments and I'm now looking to improve my credit rating. I've taken…
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Credit Applications & Address History
I'm just wondering if anyone has any knowledge of the following: Generally, when applying for anything (loan/cards/phone) the application process asks you for 3 years address history. Now, if I have a default (settled) registered at a previous address which I haven't had to supply to the creditor, that is four+ years old…
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Noddle Improve
Just going to put this one out there... Does anyone know what you actually get for your money with Noddle Improve, and is it worth it? They promise to improve your credit score - which we know is a meaningless number anyway. Also if you're concerned with improving your likelihood of acceptance from lenders, wouldn't you be…
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Non existent mortgage on credit file??
Hi, I've recently tried to access my credit file via Experians 30 day free trial however I wasn't allowed access until i receive a PIN through the post which takes 5 working days unfortunately. Keen to see my credit report I then tried to sign up for Equifax, filled out the information and then in the end was told there is…
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electoral register.
Does opting out of the public electoral register mean the entry won't appear on your credit report?
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Need to order 3 x Experian Reports
3 of us have formed a company and we need to get hold of Experian Reports for each of us. I have had one in the past...as the site recognised when i just entered my details. So it looks as though the £2 Statutory Report is my best option, as no freebie to be had. Unfortunately there is a problem on the site just now, and…
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Experian
Just went on Experian to check credit score. Paid £14.99 and phoned back 20 mins later to get money back and they said £10 back only. I said no its free they said because I had account 3 years ago I had to pay £4.99 for my report!!!! Not happy. Total rip off never go back.
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Lloyds bank taken money without perm
Hi all, im just after a quick piece of advice if anyone could help me. I have had credit card with Lloyds bank since 2001 and maxed it out but kept payments upto date until I missed a payment a long long time ago, I received a late payment letter to pay, I went the bank to pay only to realise I had made the payment, or so…
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Unpaid sewerage final bill
I moved back in May last year to a house which is not served by mains sewerage. I told Anglian Water the details and they said they would close my account as we are served by a separate water company in this area. I recieved the final bill and didnt read it properly as I presumed they would take it by direct debit as many…
