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Excellent credit score on Equifax (but missed payment previously)
Hey guys, I have just got an Equifax credit report and it shows 'excellent' with a score of 500. Initally I was over the moon :j Having looked at the report in more detail it shows some late payments 2 in 2011 2 in 2012 1 in 2013 (3 of them whilst I was travelling I was stupid and didn't set up a DD and forgot payment…
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Experian Taking Payment on Old Card
I opened an Experian account whilst I was applying for a new mortgage. I kept the account going for a little while to track my credit rating but have not accessed it for a few months and wish to close the account. I tried to log into my account but get told that the credit card used has expired and I am locked out until I…
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£190 default
Good morning all, I have just signed up to checkmyfile for the first time to look at my credit file and noticed there is a default account. This is a bank account that was a joint account between me and my ex girlfriend and I thought the overdraft had been cleared before we split up.....anyway it seems it wasn't and it…
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To get a joint account or not?
My partner and I are about to move into a rental property together. Ideally we'd like to get a joint account where we can both pay in monthly, ideally overpaying what we need so we can start saving to get a mortgage in the next couple of years. I'm overly cautious and so we did a credit check and whilst I came out with an…
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Advice on ID fraud
Hi, Just signed up to see if anyone has any advice on a situation I've found myself in. So, I've found out that a fraudster has access to my name, address and date of birth and has a bank card with my name on it, but not registered at my address. None of my cards are missing or stolen and I've not had any unknown…
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Defaults showing 5yrs after discharge from bankruptcy
Hi We were discharged from bankruptcy in 2010! On experian credit report we have very good/excellent scores. We applied for a mortgage which was going well until they checked with Noddle who are showing defaults for everything that was included in the bankruptcy! should this not be saying satisfied or discharged date? I…
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Fraudulent Wonga loan on credit report
My daughters partner has discovered a Wonga loan was taken out in his name fraudulently. Wonga are aware and so are the police – he has a crime number. However, this loan appears on his credit report and was obviously not paid (it was threats of debt collection that meant he found out about the loan). How can he get it…
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Experian 123
I have checked my experian credit file and on a mail order a/c I have a 123. Payment due 16th Nov - missed Dec - missed Early jan partial payment payment made to cover arrears Jan - late payment but paid Balance of last statement and Feb (whole min payment due on jan statement) On the report you can see the balance goes…
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Experian not on electoral roll
Hi, I'm quite confused by my Experian credit report (which I've now cancelled) as it says I am. It on the electoral roll and of course this effects my credit score. I am 100% registered. Is this a common problem and how do I fix it? Please help! I want to make sure both mine and my partners score are at their best as we…
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TalkTalk and Equifax
I'm one of those hapless individuals who was forced to move from Virgin to TalkTalk broadband earlier this year. I just noticed some small print on the TalkTalk site stating that from last November they are reporting their customers to Equifax. So how does that work then? There are two people at my address with the name…
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Does shopping around for mortgages affect credit file?
So my wife and I are looking into buying a new house. We should have about £30k for a deposit and looking for a mortgage about £250-300k. I am wondering if we were to shop around for different mortgages would it affect our credit file? The reason I ask is that in the past I had a very poor credit file- all stupidly self…
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Made a bit of a mistake i think !
Hi all Im currently looking into getting another mortgage after a relationship split. My credit rating was 999 so all good, ive been looking at getting a mortgage with Santander. They offer slightly better deals to people with a Santander bank account so i thought i would open one on-line ( no overdraft, just a current…
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Close card or keep open?
Hello. I will be applying to get a new mortgage deal in a few months' time. In preparation, I've had a look at my Experian credit report. It shows some negative factors in that I have 4 credit cards with 58% available credit. Would it be best for me to pay off and close one of these cards to reduce the number of cards? Or…
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Unfair Poor credit rating because of HSBC
Ok this is my story, my wife and I earn approx 60k a year, we have never missed a payment on any debt we have. Before this fiasco my credit rating was 945 and my wife's was 999. We have a house with 50k equity in it the house is worth 100k estimated by the bank and decided to release some so we could use it as a deposit…
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What do these numbers mean - credit record help
Afternoon :) So after a long hard look at our finances we have resigned ourselves to accepting that we won't be applying for a mortgage till late 2016 however I have a question on our credit report. Last year we took our a provident loan for my MIL which she stopped paying (I've learnt the hard way from the mistake) and…
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Not understanding credit report
Hi, I'm new to all of this, both forums and credit reports. I'm struggling to understand what my report means. Your Credit Score & Rating based on your full Callcredit file and which reflects that used by lenders is: 639 To understand how this score is affected by elements of your credit report, click each item for more…
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HSBC updates
Hi, Just wondering if anyone else has problems with HSBC reporting correct information with Experian? My loan with them reports correctly with Equifax - last update 21/04/15 with correct balance at time of update. Problem arises with Experian when last update was 08/03/15 which is almost 2 months ago. I would have thought…
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Provident Default
Hi there everyone, Provident personal credit have registered a default with the credit reference agencies, I'm in a dispute with them currently over the account as the agent that was collecting failed to come to our address. What i'm wondering is do they by law have to issue a default notice giving 14 days to pay ( or…
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Moving to the UK, starting & getting a good credit record...?
Hello all, My partner is a Swedish national and is moving to the UK to live and work here. I was wondering if anyone has any experience or advice of the best way for us to go about getting her a credit record going, QUICKLY! It would be nice for her to be able to have her own credit card, be able to choose a car she would…
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my accounts are under wrong address...
Hi everyone, need some advice on my situation, I moved house 3 years ago to a house with 2 postcodes! OHJ and OHH! (because it used to be a GP before we bought it) Now when I first moved house I used the OHJ postcode for my banks and phone, but recently found out from Royal Mail they will be getting rid on the OHJ postcode…
