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Credit File Advice
Hi, thanks in advance for reading/responding - i know theres probably a thousand of these posts but I'm just looking for some specific advice to my case. I've trawled through endless blogs etc about credit scores, files etc but just hoping to start a conversation about improving my score. Ive signed up to Noddle and my…
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Incorrect late payment on file
Good evening, I have just checked my Equifax credit report after receiving an alert for a late payment. This relates to my mobile phone contract with Talkmobile. Back in early June I changed my bank direct debit details. When the payment was due no money was taken. I called them up to find out what had happened and they…
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M&S voucher: how to get the most out of it?
I got a £100 M&S voucher, but don't usually shop with them. Any advice on how to get the best out of it? Of course I would love to exchange it for cash, but I think selling it on ebay would incur about 20% charges. I wouldn't mind buying a new suit for work. On the other hand, I know their prices are quite high, even when…
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Apparrently I owe "Small user data" £1000 - please help
Hi all I am an ex gambling addict so nothing on my credit history surprises me too much. I had more loan's than Greece. However, on my credit file I have Company: SMALL USER DATA Account Type: Bank Default Balance: £1011 Who on earth is this?
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Help needed please. Strange Default on Credit Account....
Hi Guys & Girls, First time posting on this site so please be gentle.... I am 32 and regularly check my credit file, 2/3 times a year. i have a very good credit score as i have been building up to getting a mortgage with my wife. Last week i checked my credit file with checkmyfile and noticed on my call credit file i have…
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Credit help-complete newbie
Hey guys Apologises if this all could have been answered else where. I was looking for advice on improving my credit. It's been at '10' and now up to '150' on exquifax but '560' on noddle I've just had a settled ccj drop off last month and this is what is on there now I'm on the voters register 6 agreements and £660 of…
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improve credit history
So my recent history is all good. No missed payments I have my mobile phone, broadband, santander and lloyds account. All up to date and paid on time. I have various closed accounts with defaults and a ccj. How long will it be before I look more favourably to lenders? Not that I want or need anything just curious?
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Request Default removal
Hi all, hoping to get a little advice on attempting to remove a default from my credit file. The basic story: I had a debt originally with HSBC which was sold to a debt collection company. I entered a debt management plan and was around 3 years in when I was in a position to offer partial settlement on the debt, which was…
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Impossible to obtain credit report no fixed abode?
Hi all I want to apply for a debt relief order but I have no idea if i currently owe less than £15k. I am currently living with a friend and am basically of no fixed abode. It certainly seems to me that it is impossible for me to obtain my credit report if I am at no fixed abode? Therefore I have no way of finding out how…
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Removed CCJ - Mortgage Application
Hi everyone, Some advice please. I am currently going through the process of purchasing my first home, but I am fearful that an old CCJ will affect my mortgage application. It was over 6 years ago and no longer shows on my report, and my rating is back to "good". What I want to know is will the lender still be able to see…
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Experian report shows false linked address
I have a credit score of 999 but my application for an M&S credit card was rejected. I believe on the basis of a false linked address on my credit report. How can i get this address and hopefully the associated debt removed from my file ? I this likely to be on other credit agency files ? Will the £10 CIFAS report obtain…
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HSBC Bank. So Annoyed
I am currently a full time mature student (37 yo) and had spent around 90% of my overdraft from my spare account however had not paid into for sometime.! I was then called by a representative at a!HSBC!call centre who requested payment in full. At this time I stated that it was not possible as I was not in full tme…
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56p overdrawn due to a TV licence DD
Ok, so we have several bank accounts to take advantage of various rewards and I move the money around at the end of the month. I've slipped up this month and was 56p short in one account which resulted in a 12.12 Tv licence DD being returned (even though at the end of the day it would have been in credit anyway due to a £5…
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one missed NEXT payment impact on creditscore
Hi! Me and my Mrs never had any late/missed payments and we already have mortgage, leased car and credit cards on our names for past 8 years. Wife had a NEXT directory account and today she found she had £7 balance from last month statement she forgot to pay and NEXT told her they have given her details to the credit…
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Unknown person on my Electoral Roll address
For some months now I have been pestered by loan companies trying to offer me a loan, literally countless texts and phone calls. I have never been in debt myself nor my wife so was puzzled why this was happening. None of the callers would admit the reason for their call. Having just received a request to check my Electoral…
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Refused a credit card
Recently applied for a barclaycard & was rejected. Have a noddle account with 4/5 rating. checked eligibility & was 90% likely to get it & they've been sending me letters beseeching me to apply! I think the problem may have been that on the application - via my online banking (as i have current account with them) the form…
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So many searches on my file
So I logged on to Noddle to see my shiny new credit report for the previous month and check there is nothing untoward going on. BTW I have jumped from 4/5 to 5/5 despite no changes! (for what its worth) But what I want to ask is about searches. I'm not planning on applying for any credit anytime soon, just want to keep my…
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Do I need to create an alias with Experian
here goes My husband and I are looking at applying for a mortgage so we can upsize, we have a mortgage broker already and have checked all of our credit files with Experian, equifax and call credit. Equifax and call credit have linked my married name to my maiden name but Experian hasn't. All it shows is that I have my…
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Cashplus balance is it reported
Hi all, Following on from a previous post, I have a Cat 6 marker on CIFAS from Lloyds which I am disputing. As this will take some months and all of my accounts have been closed, I have obtained the cashplus card which seems pretty good TBH. I am also clearing up my credit report in the event I get the marker removed, or…
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Car finance poor credit query
Need to buy a replacement vehicle as existing car is proving too costly to maintain. Worth about £4-5k for a trade-in. I was unemployed for a while 3-4yrs back and the knock-on effect is 1nr default and a patchy payment history. During the same period, we unfortunately defaulted on the car finance as well, sadly in my…
