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Credit rating and debts
Hi, I wonder if anyone has any advice. I got divorced 7 years ago and was left with about £25k of debt, following some frankly awful career choices I was in a position where I could't afford to pay and suffered badly from depression. I moved house and used a friends bank account to avoid the debt collectors. I am now back…
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CapitalOne - not rebuilding my credit?
Hi, my first post on MSE, wd be grateful for your thoughts/advice. Two years back I obtained a Capital One credit card with the sole intention of rebuilding my credit. I have used it consistently and always repaid it in full every single month in plenty of time so that I never once went into interest. However, when I…
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Free credit score check
I've used Experian and Equifax before to obtain a free credit check report and cancelled within the 30 day trial period. Are there any other places I can go to because when I try to go back for another trial period (understandably) they say I'm an existing customer and try to charge me £15 per month. Any ideas? Thanks!
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Mum used my name to get credit years ago...Arrow Global refuse to investigate fraud >
as it's a civil matter. They say they won't change the name on the account as "it is legally in the name of xxxx" Help please, what are my next steps? I've done everything they asked of me. I created a fraud thing online, I asked my Mum to write a letter to them, signed saying she opened the account fraudulently and in my…
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What next, advice please ??
Having checked Experian & Equifax I have a default from 2011 from EE Orange. OK so far. I had a dispute changing from a PAYG phone to a contract. 300 Minutes and unlimited texts and at the end of the month ended up with a bill of nearly £800. Paid some and argued that if it was PAYG it should have cut off when I ran out of…
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Does opening a lot of current accounts hit your credit score?
I was looking into getting a new credit card and according to the card eligibility calculator on here my chances of getting most cards I'm interested in falls between 10-40% (I looked at the the two credit cards I've previously owned and my chances were 30% and 20%). I currently have no credit cards as I cancelled my…
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Paypal Anti-Money Laundering search on my Noddle report
I've just applied for my Noddle report and it seems paypal did an Anti-Money Laundering search on me about 10 months ago. I do remember getting an email regarding money going through my account (I was very into ebay selling for a time) and asking me to confirm who I am but at the time didn't realise that is what they were…
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Rate hike
Hi Didn't know whether to post this on the 'credit cards' or 'credit scoring' part of the forum. Got home from work and have a letter from Halifax - they are increasing my cc rate from 18.9% to 25.95%! Current balance £3300. I had reached limits on my ccs last month but paid off a loan for my pc, so my debt is still…
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Basic bank account and credit rating.
Does having just a basic bank account (co-op cashminder) affect your credit rating? Is it worth trying to get an upgraded account as i don't need an overdraft, extras, etc.
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Double check your Noddle free report
I just checked my free Noddle credit report, and it said that I haven't paid a credit card for two months, which isn't true. I've emailed them and asked them to correct it, but thought it would be a good idea to encourage other people to make sure their information is correct.
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Issues with Experian
I have the following issues: 1. Old Lloyds Default, sold to Lowell but both showing on my report. It is for the SAME debt and information is exactly the same. surely the Lloyds one should go as they sold it to Lowell? Experian say this is normal to still show both. 2. Satisfaction defaults show still as default with £0…
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Credit Score?
Morning all I know that the credit score offered by companies such as Experian are meaningless to companies when applying for credit - but it has me thinking. How do these companies actually calculate your score?
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Equifax and Tenant Referencing
Hi I have just filled in and submitted a reference form for my landlord via a website called Landlord Secure. They use Equifax. I was always of the belief (confirmed by Experian) that they could only see PUBLIC information, eg CCJs, bankruptcies, electoral roll etc This company claims to be able to check for: *…
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Suggestions to improve my credit file
So I have just looked at my noddle credit report and my score is 537 :( I have two defaults on it one for £448 default registered 03/05/2014 One for £204 default registered 06/09/11 I'm gunna clear them ASAP as just got promotion at work Wanna clear them as I wanna get a mortgage in the next couple of years If I pay them…
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Defaults
Please could somebody help with my situation? I had a loan with Lloyds TSB -now Lloyds bank in 2006, which them defaulted in 2010. I made the odd payment in the beginning but have generally ignored them for years. The default got sold on to 1st Credit who have also placed a default on my credit file: so 2 defaults for the…
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Need default off my file
Hi everyone, My first post is something that has been talked about on other posts but I need some guidance about what to do regarding my exact situation. My defaults are shown as follows: Lowell Account type Telecommunications Supplier Account number *********** Account start date 27/04/2009 Account end date 18/02/2013…
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Credit rating and DMP
I have had a DMP for about ten years. I just checked my credit score with Experian and it says excellent- 961 out of 999. Can this be right?
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not my debt but ruined my credit
Hoping someone may have some advice. In 2012 I got a letter from a debt collection agency saying I owed 6000+ for catalogue debt. However I didn't have an account with them. The things were order to my previous address (rented house) after I had moved out. So the people who moved in after us must have used my name. I went…
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How can i ressurrect my creditworth for a mortgage?
Hi everyone; As of January 2015 my Partner and I decided it was time to grow up and turn our credit rating around for a chance to get a mortgage in the near future and here's a bit of background on our situation: JOB Partner in a new job now for over 5 months I have just recently secured a permanent full time job (changing…
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Refused for a piddly £26/Mnth mobile phone contract
Confused, Angry, Disappointed..... Shell-shocked just about summed it up..... This may sound like a rant, apologies for that, but any advice any one can offer is more than welcome and perhaps it would be nice not to know i'm the only one. So I had my old pay monthly contract with T-mobile (now EE in some form or another)…
