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Unauthorised searches
Last month, I had a huge number of credit/other searches on my credit files from equifax, experian and call credit. Most were "insurance quotation", but a variety were "identity check" and "additional address". These are from companies like "EUI Ltd", "Insurance Initiatives" and "LexisNexis". The query, however, is that I…
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need help
Hi new to all this need help starting a new thread asking my own question Help help help
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Statute Barred and your Credit File
Hi all, my question is this - if I have a debt that is statute barred can I have it removed from my credit file and if so how? Also when does statute barred start. I know its 6 years but I have a strange situation. Credit card take out in 2005, credit file says defaulted 2010 but I am sure I stopped paying this many years…
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NHS threatening CCJ
Please help, I am pregnant and very stressed. My partner lives with me, he has had substance misuse issues and entered rehab last year. He is doing really well, apart from the fact that he is unable to claim any benefits and is looking for a job currently. Last year, he became ill with toothache. At the time, he'd just…
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Lloydstsb- Still a pain
Hey guys, I had some trouble with Lloyds Tsb years ago. They did not change my payment dates etc as requested several times and various other things. In fact I actually sent them seven A4 pages of complaints and then complained to the Financial Ombudsman and the Ombudsman found in my favour. I thought that damned business…
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CCJ i knew nothing about from 2012
Hi, i have been in debt since i left my job in 2004 to unofficially care for my disabled dad,my debts grew and i began to ignore due to my current status of my own disability i am on state benefits, i recently discovered i was given a CCJ in 2012 but i have no account of this and furthermore was given no warning so i could…
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credit cards and impact on credit score
Hi all, I've heard a rumour that if you regularly use a substantial proportion of credit on a credit card even if you pay it off in full each month this could have a negative impact on your credit score, is that correct? I probably use up to 50% of my credit limit each month but always pay it off in full. Would it be…
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Effect of Partially Settling on Mortgage due to Negative Equity
What is the impact of having a Partially Settled Marker placed on your credit score? This is for instance if you have an arrangement put in place to partially settle your mortgage with your bank if it is in a large amount of negative equity: 1) How will it affect your credit score? 2) How will it affect any of your…
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will applying for a credit card affect a mortgage application?
I need to transfer my credit card balance to a 0% interest type card. I'm a homeowner with a mortgage and a credit rating of 754. I'm looking to move house in the near future depending on my house selling, would it affect a mortgage application if I apply for a new credit card?
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Western Union and Credit Rating
If I use Western Union online to send cash to myself abroad, will this effect my credit rating? I am NOT using a credit card but funding directly from my bank account. Any help is greatly appreciated.
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What does a lender/mortgage underwriter see from credit file?
Just wondered if anyone could shed light on the credit file. Is what I download from Experian or Noddle exactly the same as what the mortgage company can see? Do they view/access something different? Any help would be appreciated.
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Which credit card should I cancel?
Hi, We are looking at applying for a mortgage later this year and I have 2 credit cards that I will clear before then. I am under the impression that it will be better for my credit rating if I cancel one of these when it's clear but which one- I have had them both for the same amount of time, one has a credit limit of…
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5 year old default questions
Hi Guys, I have been working on rebuilding my credit profile over the past year after defaulting on two credit cards when I went to study abroad in 2008. I was away for 5 years and had no way of servicing the debt, but that is by the by... Anyway: My credit file currently has 3 entries for 2 credit cards Credit Card from…
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To pay off all debt in one go or to pay it off monthly?
Hi All, I hope you are keeping well. Does anyone know if the effect on my credit score will be the same or different if I was to pay off all my outstanding debt in one go or if I was to continue paying monthly instalments? I read that you should pay monthly but that was on a post created in 2008. Thanks
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Experian & DWP
DWP now use Experian for data matching. What info is added (if any) to an individuals credit report? (e.g.new address/search footprint). Does Experian keep a separate database of addresses of benefit claimants? Does Experian offer services to enable a lender to check whether there are DWP claimants living at a given…
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Is a DRO as bad as CCJ's?
I have a question please, is a DRO on a credit file as bad as CCJ's or bankruptcy? If I have a credit check on me from an estate agent, will they see the DRO? He asked me exact words "have you got any CCJ's or bankruptcy?" I said no, but is a DRO pretty much the same thing in their eyes?
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Credit scores, cars and mortgages..
Hi all, I was just wondering if i bought a car, would it be better for my credit score if i bought it on some kind of finance option? As this would be a positive addition to my credit history? The other option is to buy the car outright which would be cheaper and obviously i'd be free of any monthly payments. There is a…
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Making a Bitcoin bankruptcy claim against MtGox...
Hey. Couldn't really find the right place to post this. I had some bitcoins with MtGox when they went into administration. A very small amount that I'd completely written off. But now I've received an email with a very straightforward looking process to file a bankruptcy claim. Wondering if anyone else had gone through…
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Solicitor didn't tell court i had paid CCJ
Back in Nov 2009 i was taken to court for £888, after the judgement had been made I struggled to make the payments and missed 2 payments, this resulted in it being passed to a court enforcement officer. In Feb 2010 my fortune changed slightly and i was able to pay it off in full (£1461.95 by now). Ever since then i have…
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Irresponsible Lending
Some years back, I was very foolish with money. Lived aneasy come, easy go lifestyle. After maturing a little, I am now at the stage, where I ampulling myself together and making good headway with my finances. I am now looking towards a mortgage application and thoughtit best to review my credit file. I now see that I have…
