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Accept an overdraft increase...or not?
Hi everyone, Always appreciate your support from people far more savvy than I....so thank you in advance. Trying to improve credit score to secure a new mortgage in the future. With this in mind: 1) HSBC has offered an overdraft increase on our joint account. So long as we don't use much of it, (no more so than now)- would…
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can lenders see closed accounts
can lenders see closed accounts? odd ones there from the likes of Wonga and provident , providents are sorted but the Wonga was written off
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Trying to pay a defaulted sum... HELP please
Background: Apologies for the long post In 2010 I was an Orange PAYG customer and switched to Orange contract and moved my old PAYG number to the new contract as the contract offered unlimited texts and something like 300 any network minutes. Was somewhat shocked to get a bill in excess of £800 at the end of the month.…
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Virgin Media Contract Causing Poor Credit Rating
Prior to last month I had a fair credit score on Experian. However others have said on forums that if you have zero loans, zero credit cards etc this is not a fair score it is a non-existent score as Experian has no credit data on you. Last month I took on a Virgin Media contract. I set up a direct debit and have not…
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CCJ not being enforced
I was given the ccj in 2012 but knew nothing about it going to court as i moved address and put my head in the sand regards the debt, stupidly i know... Well i have one but 3 years later nothing has happened, no letter, no contact. What are my options please..? I have no idea who the debt is with now or previous to the…
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credit rating damaged
I recently split with my partner and in doing so took my name off the joint account ( and paid his £500 debt to do so ) I went into branch and completed the necessary paperwork as well as my ex and was assured that would be the end of it. I then checked my credit file a month later- this still showed that I had a financial…
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First blemish on my credit file :(
Hello all, I just recently committed the biggest blunder of my life. For first time in 8 years I have a blemish on my credit file, which I have only just noticed. I only have one credit card to my name and there is a missed payment on it. I would like to know whether I should close the credit card account (although closed…
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Good enough rating for Sim only?
I had some money issues after finishing university as a mature student, this led to me ending up on benefits and a default on a credit card. This was 2012, I have since paid off the defaulted card in full (marked as closed and satisfied in full on noddle, default date 2012). The only other thing is two late, not missed…
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The way your name appears, does it affect your credit rating?
It's common for banks to display your name differently on banks and statements such as: MR J A Smith, MR J Smith, MR John Smith, MR John A Smith (and with or without MR).* Does anyone have experience, or believe this has a material affect on your credit rating? * Are there any instances your credit history for one provider…
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Getting a joint account
Hello, Myself and my partner are purchasing a house, we've just exchanged and are due to complete once it's finished (it's a new build) towards the end of June. We wanted to get a joint account set up, but after looking around felt it was a bad idea to have more searches on our credit files until the mortgage and…
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Buy now pay later
I am hoping someone can offer some advice. I have an upcoming payment on very for a buy now pay later due and due to circumstance i wont be able to make the payment before the end of the buy now pay later date. What i was wondering is if i missed the date and the interest was added on for the year would it affect my credit…
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What are we aiming for?
I'm sure this will have been covered before somewhere on the forum but I just can't find it in the search. Ok, so basically what i'm asking is, we build our credit reports up for better deals in the market and more affordable options of credit. But what is the top line we can achieve? For example, I built my credit history…
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Closing longest line of credit (switiching service)?
I've recently opened a current account with First Direct. In order to qualify for their £100 switching incentive you have to use their full switching service which closes the old account. I've had my other account with overdraft (HSBC) for 16 years. I read somewhere that you should not close your oldest line of credit as…
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Paying for credit score with debit card
Good afternoon I'm trying to fix my finances. I've decided to check my credit score however it seems like I can't pay for it with my Metro Bank MasterCard debit card. Do I need credit card to register with experian and equifax? thank you for your answers
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Credit score
Hi I use Equifax to look at my credit score. I ran a report on 16th may to see what my score was and it was poor at 248. At that time I had a CCJ showing on my credit file however it should have never been there and should have been taken off in 2011. I have contacted relevant companies and the CCJ was taken off my files…
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call credit website down today?
Hello Been trying to access the call credit website today but no luck- had anyone else found that the website is down today? Or is it just my Internet! Thanks
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Credit cards and mobile phones contracts advice
Hi all, I'm a newbie here and just looking for some advice: My partner has a daughter who is 19 and has beed diagnosed with personality disorder and different mental health issues since she was about 15. She has been under the care of social services since this time. I just found out today that she has about £2k in debts…
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Natwest reporting old address to CRAs
Hi All, I moved house in March and took out a new Mortgage with Natwest. They were not the lender for my old house. My credit files are updated but strangely Natwest is reporting my old address to the CRAs. Is this worth reporting to Natwest?
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tidy up my Credit Report?
Okay my report is a bit of a mess. 1 x CCJ Date 23 Jun 2014 5 x Defaults INSTANT CASH LOANS LTD T/A THE MONEY SHOP Pay Day loans Default G £290 03/05/2015 DEFAULT DATE= 21/02/2013 LOWELL PORTFOLIO I LTD Communications Default G £974 30/12/2012 DEFAULT DATE = 10/1/2011 LOWELL PORTFOLIO I LTD Current Account Default G…
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littlewoods and credit file
Hi guys First time poster so please be gentle. I have a ongoing issue with littlewoods. I made 2 payments in January 2015 one at the beginning and 1 at the end. In February I received notification of a late payment charge. Called up and spoke to littlewoods who explained I had made the 2nd payment 3 days before my new…
