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Satisfied on report, but now fully settling after PPI claim
Hi All Looking for some answers as i'm not sure how I stand on this one. Basically, I defaulted on a store card a few years back and it was passed to a debt collection agency. I agreed a F&F settlement in December 2012 but have now won a claim for PPI with this company so part of it will be used as redress which will…
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Default & Settled Vs Default & Not settled.
As per title really guys! I've only just signed up to this site and tbh it's bloody brilliant! more info in 12hours than I've managed to get through advice lines & CAB in 9-10months!! The reason I'm asking all these questions recently is that my partner & I are hoping to buy a house, we both have the correct salaries and a…
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Default time scale
So as not to confuse matters in another of my posts I thought I'd start a new one. I have an account for apersonal load that went into default in May 2010, so by rights, should 'drop off' my credit file in May of next year. there is currently still an amount outstanding which I'll be clearing in one go. All the debt…
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Financial Associate Searches - do credit providers factor them in?
I have one financial associate on my credit report, my DW. I notice her searches now appear on my credit report. I am generally careful with our searches limiting to about 4 each every 12 months. Jointly we are a bit high at the moment having milked the yorkshire bank current account offer (for which each account seems to…
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debts not on my file
I have just looked at my credit file but some of my debts are not on could someone tell me why
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credit rating
Hi in Oct 13 I took out an 18 month contract with Virgin Media. However in May 14 I was forced to move. The new property I purchased didn't have Virgin Media Cable. So I couldn't continue with my contract, Virgin Media sent a bill for £204. I contacted Virgin and explained that I was being forced to move, the local council…
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Do credit checks check your income?
Hi, I need to apply for another 0% credit card to transfer a balance, however I have just got a job and start in 5 weeks time. I have to put my income in when I apply for the card so my question is.... For my income can I include the salary I will be earning when I start work or do I need to wait until I have actually been…
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cash advance and gambling
Ok first things first I have been a complete idiot. I transfer all my money to my wifes account as we are saving for a mortgage....shoot me now but I have just used a credit card to deposit £24 to a gambling account. I also a couple of years back used the card for cash advances 3 times at most. The card now has a really…
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Economy can change your credit score?
My credit score has gone down by 30 points for no reason. I contacted Equifax to find out why and they said they didn't know and admitted that there were no changes since I last checked 5 days ago. I was then told it will probably be because the economy has changed. If that's the case, why have a personal credit file when…
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different credit scores with experian and equifax
Hi all. I'm wanting to get on the property ladder early next year. So I've applied to 2 companies for my credit file. After paying off debt and being a good boy for about a year, experian have gone from 200 to 980. But equifax have stayed at a poor status. Ive got a default on my file which comes off in 5 yrs. Question!…
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is this Credit Score good or bad?
My Partner rents out a house and the Tenants Credit Score is 8. What does that mean?
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Financial association with ex-partner
Hello, I found out a year ago that I have a financial association with an ex-partner from 6 years ago. I have tried in vain to contact my ex-partner who will not answer my calls or messages and has not closed the savings account that is still linking us together. I don’t understand his reasons for not closing it as it…
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FAO: Experian company representative
Hello could you look into EMR12117628X, I'm missing from the electoral roll despite not moving, Equifax and Callcredit have me current and I was on the annual canvass, suspect my partner will be missing too.
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Defaulted account removed
Hi, I'm looking to go bankrupt or DRO sometime in the near future and registered to get my balance of debts, but I only have four showing on my credit file. How can I find my total debts owed as they have long since been passed onto different collection agencies multiple times by now. Thank you.
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Improving Credit Score
I have debts of around £2,500 which I am currently paying back through Step Change on a debt management plan (they estimate 2020 I will be finished paying it back, but I hope to be able to pay it off sooner once I've finished my apprenticeship and get a higher paying job) The debts consist of a Student Finance loan…
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Edf
Hi, Those anyone know if EDF actually record your payments history on your credit file? I am trying to build my credit up and changed all my utilities to credit from pay as you go. Thanks
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Querying ARs on my credit file
I had some financial problems a couple of years ago and for a few months in2012 and 2013 (not consecutively), I made less than the minimum amount paymentson a Santander credit card. I was not informed that offering to pay something rather than nothing wouldhave such a devastating effect on my credit score. I was always…
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previous house owner
Hi, Need some advise please. We bought our house 8 years ago. But up to date, the previous owner is still using our address. We've been receiving letters from various debt collector companies. Some debt collector come to our house and ask for this person. I've returned the letters, phoned them, told people that this person…
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Credit Card advice for mortgage application
Hi there Just a quick question as I am hoping to apply for a mortgage at the tail end of this year. I have 5k on a credit card, having paid off another at 2.5k. Would it be advisable to pay off this card via a credit union loan as I am currently paying 20% apr and do not wish to balance transfer as I believe it will upset…
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Understanding Defaults
Morning Guys, I've tried searching but can't exactly find an answer. To cut a long story short I am a victim of Identity Theft my Mother used my name to get Catalougue Credit, and i'm in the process of getting this sorted, however I have a question. Anyway she started re-paying the debt at an agreed £33.00 per month with…
