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Understanding credit card balances
Hi, Hoping for some advice before I start complaining! I had a notification from Experian that there had been a change in my report - so I logged on and found that Lloyds had updated my credit card balance - no issue with that but Experian have stated that I am using more of my revolving credit. A little confused I went to…
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Credit Score confusion
I had a 'good' credit score on Experian which had 2 negative points one was due to a defaulted account in 2011 (this will clear next November), the other one was because my Dorothy Perkins account had a £250 limit but I had paid every month and hadnt used for a long time. I closed it thinking it would bump my score up as…
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CCJ on my Credit report but not mine. What do I do
I have recently carried out a credit check with Experian as my mortgage term was coming to an end and when I went to renegotiate it with my current lender the interest rate was extremeley high, when I questioned this they advised me that I was high risk and that I needed to get a credit report done to see what it was. I…
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Electoral roll and antiquated processes
This post is part rant, part hoping for some useful advice. I recently returned to the UK after 8 years abroad, I naively closed all my UK accounts not long after I moved abroad and have essentially returned to find that credit wise I don't exist. I was able to open a basic bank account and a Mycashplus card which have…
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Unlinking financially from someone
My credit file is currently linked to the soon to be ex-Mrs MadMat by our joint current account Do I need to completely close this account to kill the link? or would getting her to sign the paperwork to have her name taken off be good enough? I'd prefer not to close the account if I don't have to as it's the one that has…
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Credit report showing defaults
Hi I'm looking for some advice with regards to my credit rating as shown on Noddle. In Oct 2011 I defaulted on 2 credit cards after failing to pay for 2 consecutive months. In both cases I came to an arrangement with the lenders (Marble and NatWest) to pay a reduced monthly amount based on my income and expenditure. This…
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Need to find Experian Credit Report Reference Number
Hi All, I have used the MSE template letter to try and recoup some of the money I paid to Experian over a three year period for the erroneous 'insurance' they charged us for. Having sent the letter off they have responded with another letter asking for more details, one of which is my credit report reference number. I…
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Can you look up a credit file of someone else?
Trying to find out info on a family member who is ill. Can you look up equifax, experian etc on somebody else. From their site I cant see you can do this. Thanks.
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Credit file and matching addresses
I am a little worried that different institutions have slightly different variations of my address and that when they come to do a credit search, that they won't find me because of this. (I have already had a rejection for a mobile contract when as far as I am concerned, I should be the perfect potential customer) Some…
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Default dates are wrong......how do we get them fixed???
Hubby has decided to take his head of the sand and has looked at his credit file.......it's not good tbh On one if his accounts though it's all wrong.....he bought a car through finance with no deposit, monthly payments were ridiculous and before his first payment was due to come out he phone the finance company to collect…
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Credit Rating hit by my partners mismanagement
I am looking for a little help with a credit issue. My wife had a Halifax Bank Account that we converted into a joint account over 10 years ago. She pretty much kept track of all the household bills which came out of it. About 5 years ago she lost her job and entered into a Debt Management Plan and was advised to include…
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Student seeks advice
Hello everyone, I'm a young student and am trying to get my credit score as good as I can. When I went to my bank before going to uni to switch to a student account I was advised not to as I'm very likely to get rejected because I've been in overdraft quite a bit and I don't have one. :( I don't know how long it'll take…
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Managing Available Credit
Hi all Looking for a bit of advice. We are planning to move in 4 years time once our youngest starts school therefore want to get our finances up to scratch ready to apply for mortgages. I earn just over £22k yet I have £17,700 available credit split between 3 lenders: £5000 Next - £300 balance paid in full each month…
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Help with CCJ
3 years ago I took the local County Council to court following an accident that I thought was caused by their negligence, through a 'no win, no fee' solicitor and had to take out ATE (After the event) insurance in case I did not win (quite a rarity I understand). I lost the case and assumed the insurance company would…
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Cancellation Policy Affecting Credit Rating?
Hello Everyone, I have question, I cancelled a motor insurance policy with Cop Op a few weeks ago a day before it was due to start, received my deposit in full. Having called them twice to ask for my cancellation of policy letter they still haven't sent me one but insist no money will be taken out and it will not have…
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CRA monthly updates for lenders
I have heard that lenders can subscribe to monthly updates and receive an updated credit report every month. Is that true? What exactly the lenders can see there? I heard that it is like a summary.
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Removing partner from joint water bills
Hi all, I have a situation where there is a default on the joint water bill. For 'domestic' reasons, I want to remove my wife from the account. Does anyone know if, a) this is possible, and b)what will be the impact on the credit files, as at the moment both parties have a default against them. If she is removed as I need…
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Will my CCJ effect my mums mortgage?
Hello, I'm wondering if anyone can help with the above question. I live with my mum and have recently had a ccj put on me, but I'm worried that as its registered against my address it's going to effect my mums mortgage. I don't want her to find out about it as she has too much to worry about already, but if it's going to…
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cci and 2 other debts
hi all looking for some help i looked at my credit report and have seen that i have a ccj and 2 debts that i don't no anything about in nottingham and a address link as well and i have never been there let alone lived there. how do i go about removing them from my report thanks for the help
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CRA & banks question and rant
Hi, I wonder if perhaps somebody could explain to my why banks and CRA's can continue to process data they know to be incorrect? In my own case the impact isn't too bad as, due to bankruptcy, my credit file is screwed anyway for the next year or so (drops next year). However I contacted Noddle recently to say their own…
