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in a quandry
hi, new here... my query is about bad credit history.. i had several credit cards going back several years ago..i had very bad mental health at the time and couldnt keep things sorted, thus i got into debt unwittingly.. the thing is i get letters now offering me to repay.. they are large sums.. but i feel how can i now…
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queries on credit rating/defaults
Hi, Was wondering if I could get some advice on a couple of things, as I will be trying to get some kind of mortgage soon and would like to know what the best way to go about improving my credit rating. 1/ Is it worth paying off defaults so they are satisfied? I have heard some people say that satisfied/unsatisfied makes…
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Electoral register - how soon in credit checks?
I will be added to electoral register on 1st of December. How soon will it be reflected in the credit checks being done by banks when applying for a Credit Card?
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Credit expert holding credit file
Hi my mum and dad have applied for a mortgage and one of the applications have been refused due to an adverse marking on their credit expert report. We have looked at all the other credit report agencies and their report is pretty perfect, so they need the credit expert report to be able to see what is on there. We did…
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Credit scores and mortgages
Hi guys, Firstly this is my first post on here, but I've used this site for years. I've always found somebody has posted a thread that answered my questions, so thanks. My credit rating/score is pretty poor, I've had some personal issues over that last few years that made me make some bad financial Decisions, payday loans…
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Equifax won't know about Nationwide
I thought I'd put this up to help anyone else who banks with Nationwide Building Society. I was doing my credit reports when I was told by both Equifax and Clearscore (did both for comparison) that there is insufficient information for them to generate a report. This struck me as odd, because I've got a lot of different…
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When to pay defaulted account
I've been trying to search this and have been struggling to find an exact example. In light of how others have been treated, this is getting paid off, it's a case of timing. I have a credit card in default to the tune of £1300. It's not too long before the default is 6 years old, and now over 6 years since any payment or…
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Credit reports and the 5% savings loophole
Hi folks, I'm in a situation where I have a bit saved up for a deposit for a flat but due to contract situation I won't be looking to buy for another 2 years. I've looked around and the I've set my sights on opening a number of high interest current accounts (5% savings loophole). I've already got 2 open and would look to…
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Best ways to improve credit rating?
I have a poor credit rating. Not only am I on a low income but in 2009 I took out a DRO owing to my losing my job in late 2008 through ill health and all of a sudden being unable to keep up with my payments. I have since then not taken out any new credit, been up to date with all of my payments (apart from one where I had…
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Council Tax - Help?
Hi everyone, I've got an issue with council tax and I wondered if anyone could help. The day before yesterday, at around 7am, my partner opened the door to someone bashing madly and it was a bailiff about this years council tax. My partner, not knowing better, let him in which was mistake number one, obviously. Anyway, I…
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Confused.
Hi All, Bit of background. EE billed me in August a final bill for my phone line, this bill went to my old address. Went completly unawares (i know this bit is my fault) and the debt was sold to Moorcroft in Novemeber. Who then found my new address and billed me for it. I was then in discussion with them about it (because…
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Is a phone contract search different from a loan search?
I know that searches for financial products are recorded on one's credit file and having too many is a bad thing. However, credit searches are also done for products that are only financial products in the broadest sense (e.g. a sim only phone contract). Are they weighted the same? I am asking because I'm wondering whether…
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Next step on credit file after full and final
Dear all. I'm helping my partner get his file back on track. We've just reached a full and final offer with the last creditor on an old mortgage with another person. They've advised he will have this showing as partially settled on his file and they will stop reporting and break the link. I've already been in contact with…
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Defaults >5yrs Ago
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Off the credit record radar account
For years my "main" current account has been with NatWest. Even though I've opened other accounts (Santander, Halifax, tsb) my salary goes in there first before being farmed out to the other accounts. It has a £5000 authorised overdraft which I never actually use. When I checked my credit reports I realised that it wasn't…
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Partner moving in with bad credit
Hi all, I have been reading around on this forum and I have found some very good advice, so thanks for all of that. However, I'd like to just make sure of a few points. Situation: My partner is moving in with me and I have just found out he has (very) bad credit. Research: I understand that if we keep all our financial…
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Help! Advice needed regarding credit rating and renting
Hi all! My partner and I have both received promotions in our job (we work for same company) and have been asked to relocate. Naturally we were super excited and have immediately started looking for properties to rent near our places of work. We had a viewing of a property through an agency and they asked us about our…
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Credit gone down on noddle
I was on 3/5 but i changed phone contract which im guessing is why, its gone to 2/5 how long would it take untill it goes back up to 3/5 my bills are always paid and never late but wanting to get a house next year and would like it higher its classed as poor now! Never been in debt or in the red or anything, going to get a…
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Credit Card Limit
I have just received a special offer for my credit card on my personal online banking homepage. Good news! As a valued customer, and based on your recent account activity you are eligible for a new credit limit of £X,XXX on card ending 1234 . Manage your credit limit here. I shall ignore the dubious ethics of an…
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Identity fraud Experian
I've recently applied for a new credit card from Santander. I then received a call to inform me a marker (Cifas) has been put onto my file. And did I know?.. I said No. I have just logged into my noddle.co.uk account to find this CIFAS warning... Victim of impersonation Victim (02) Any my report shows NOTHING out of the…
