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BG small default (£120) - advice please..
Hello all and I know that this sort of topic has been covered in different guises but would appreciate some clarity. Summary points below: 1 - set up elec acct with BG but for some reason DD wasn't set up in Nov 2010 2 - i move after 4 months to new address. 3 - I am fairly seriously ill for a number of months and although…
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How long for Experian to update?
Just a quick query about updating times in relation to an Experian credit file. First of all, I know that financial institutions forward details to Experian every so often. In the case of my bank, Santander, it seems to be very 5 to 6 weeks. My question is...how long do Experian take to update credit files ONCE they have…
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Loan Application
Hello, I am looking to get a loan to buy a car. My credit rating should be good with a sound history. I have applied for a loan today with an advertised rate and despite having my application accepted the interest rate given is not something I want to proceed with. As a result, does anybody know why the rate offered is so…
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Settled accounts, Vanquis and cash withdrawals
I have three questions I would appreciate anyone's help/advice with. Background, I defaulted on a credit card in 08, and had repayment arrangements on 2 others (no default). Was really just a bit of an idiot and didn't think about repercussions of my actions at the time as I am sure most can relate to. Paid off everything…
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How to improve score after finishing DMP?
Hi, New the forum and hoping for some advice as I don't know where to turn. I finished a DMP about 6 months ago and I'm completely debt free. I'm really struggling to get advice on what happens now... Last year I was fortunate enough to receive quite a significant salary increase with a new job which mean't I could pay the…
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How to improve credit score without Luma/Vanquish etc
Just checked my score and am quite surprised it's not as good as I thought it was, I don't think I will get a Luma/Vanquish card and don't want to apply and get rejected just in case it does appear on the report. The only line of credit I have is my phone (Due to be finished this March) and after that is finished then I…
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Help & advice in 2 defaults
Hi all its my first post and slightly long winded so please bare with me but any help would be appriciated. I have recently checked my credit file with experian after a long period of paying off debt and finally getting back on track. I thought I'd take a look to see how things were stacking up. Upon inspection the first…
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Rejected for phone contract - failed credit check?
Hi, I just applied for a £28/month contract on EE but was rejected because of my credit check. I'm 19 years old, currently a student and was wondering why I was rejected? - Have more than enough money in my accounts, have 3 bank accounts open, one student account w/overdraft and 2 basic current accounts - Never gone into…
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Car Finance advise post DMP
Hi I fairly recently exited my DMP paying everything off in full - my credit file inevitably has the 'defaults' now satisfied with z.ero balances My question is as regards car finance - I had my last car via Moneybarn - whilst I know it is not going to happen to get the really good deals that are advertised because my…
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Business Contract with O2/ Credit File
Just wondering if anyone could please help ke with a query?? I started a mobile contract with JMC mobile a third party company in 2013. The network is provided by O2. I have been wanting to cancel the contract for a while. However I am tied in a three year contract. Last week JMC left me an automated voicemail stating that…
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Which address should I register with Experian?
I live in a rented house and tend to move every couple of years, and so I've always left my bank details registered to my parent's address to save moving them all the time. I'm thinking I'll be wanting a mortgage in a year or two so decided to use the Experian CreditExpert free trial to find out what shape my credit rating…
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Property management company and CRAs
I have forgotten to pay my ground rent to the property management company that collects the payments for the freeholder. Ive sent them the cheque today as I had put it in my bag and then forgotten to post it. Anyway they have sent a letter stating that if it is not paid within 7 days (21 days after it was due), they will…
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Guidance needed - very confused
Hi I'm lookimg for a bit of guidance, I settled bad debts in 2013 which I had been paying back for 5 years through a debt management plan. I am now fully debt free and would like to get a mortgage having saved up a 10% deposit since clearing the debt. I earn a good salary, pay my current household bills by direct debit and…
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Unsure about a credit file update
hi guys, paid of some of a my silly debts from a few years back, 3 of which had defaulted and one was always sitting 6 payments late, i have paid of the 6 payments late one, and 2 defaults, today they updated the late payments, the balance now shows settled, but the status still shows 6 payments late, should this not be…
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Mortgage help - 2 defaults
Morning All!! My credit rating isn't to clever. Down on poor on experian report. I also have 2 defaults on my account. (going back one 2 years ago and the other 6 months ago. As of end of March I will be debt free apart from a O/D of £2990........ Also by the end of this year I will have 8k-10k for a deposit on a house and…
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closing account and credit file?
Hi long time lurker first time poster. In 2013 myself and my wife were struggling to pay our debts and we entered an agreement with mbna and barclaycard to make reduced payments.Barclaycard were fine with this and didn't place any late payment markers on my credit file mbna placed a marker for each of the months i made a…
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Can I do anything more?
Hi everyone, I have recently become debt free and am now looking to the future and probably a mortgage application towards the end of 2016. I'm not too bothered about what is already on my file as I have checked it and everything recorded is fair and in order. What bothers me now is how I move forwards to improve my…
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Difference between experian and noddle
Have signed up to both credit expert and noddle to check my credit score. I lost my purse just before Christmas and I wanted to check there was nothing strange on my account as there was potentially 24 hours before I realised my purse was missing and I cancelled my cards. My driving licence was in my purse so I was…
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Electoral roll: impact of frequent house moves?
My latest credit score, whilst I appreciate it being an arbitrary and meaningless marker, has worsened significantly in January 2015 in spite of the only material change being a move into a new rental property (and change to my address on the electoral roll). On applications one is asked how long one as been at their…
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BAD Credit Rating, affecting my life, please advise me.
Hi there! Quick background story I'm a 22 year old single mum working full time and am now in a good financial position, I can afford my bills and have money extra left over. Anyway as I'm sure everyone knows when you have kids you need a bigger house and to be stable. I'm having trouble trying to rent a house for me and…
