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Vodafone - help!!
VODAFONE have been completely useless over the past 3 months and its only a matter of time before they ruin my credit file! September - they didn't take my bill, in fact my Direct Debit had gone. I paid by Debit Card albeit 4 days late (I think) and only because I discovered they hadn't taken a payment from me. Even though…
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Working with temporary Address
Hi - I put up a post in the employment section on friday, but perhaps it might be better to ask here. I am looking for temporary employment for 2 / 3 months in a different area from where I normally live. This is to be nearer a family member, who will be staying hospital for a few months. I am wondering whether there would…
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Virgin Media multiple searches?
Recently checked my credit report with Clear Score and it told me that one of my negatives was making more than a few applications for credit in the past year. Confused (and knowing I hadn't made lots of applications), I decided to investigate further. The only "application" I've made was with Virgin Media but they've done…
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Slim credit file
I'm in the process of repairing my credit history, with a view to buying a house early next year. Having had 2 defaults drop off my file this year I have one remaining - nearly 4 years old now, a phone contract worth £80 which is satisfied. The problem is I only have 4 lines of credit on my file- 2 bank accounts with no…
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Car Finance - Multiple searches
Hi all, I decided to apply for finance via Car Finance 24-7 as they appeared to have a good write up and lots of presence on radio/TV which suggested they may have been the good guys. Unfortunately I have, since the start of October had countless hard searches on my credit report from independent lenders down to those who…
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Fraud and credit files
I had a letter from my old employer telling me that a HR employee had defrauded some people by taking personal details such as name, address, NI and bank details to falsely claim maternity pay in our names. The DWP is aware and the person has been prosecuted. The company has gave reassurances that everything is ok now and…
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Multiple current accounts
First of all, sorry if this is in the wrong section - I understand it may have been better in the Mortgages section. Just wanted to see whether having multiple credit accounts is likely to have an adverse effect on my credit file. I understand that this wouldn't usually be any concern, however I'm likely to be in the first…
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I had a good credit - now it's pretty bad!
Hey all, I've been very careful managing my credit the last 5 years and had built up a very good credit score. About a year ago someone used my identity to take out a number of mobile phone contracts, stole the phones, and defaulted on payments. I phoned my phone company and visited my bank who assured me everything was in…
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Credit Card v Charge Card for credit rating
Hi everyone, I'm buying my first property in the next few years, and have been looking into how credit history works against mortgage applications = confused ! In terms of 'flexible friends', the only thing I have closest to a credit card is a charge card. I had credit cards over a decade ago, paying the minimum amounts…
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At what point do you get a black mark??
Hi, sorry to be so lame but I am in the fortunate position not to have any debt other than our mortgage at the moment and have no idea what to do next. Through no fault of my own Extra Energy have sent my details to a debt recovery agency because I cancelled my direct debit when I changed supplier. My last payment went…
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Eligibility Search
I don't know if this is the right board for this question! You know when you do an eligibility search for a cc or loan, either on MSE or MoneySupermarket or whatever, do they only use the information you give at that time, or do they use your credit file? Thanks.
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Disputing a Default
My wife has recently found out that she has a default on her file from a Car Insurance company in 2013. We believe that this has happened because we bought a new car and the cost of insuring the new car on an existing policy was more than cancelling and setting up a new policy which is what we decided to do. However at the…
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An amusing question on Clearscore
Hello all, I thought I would see what Clearscore would tell me about myself, so I started the sign up process. I'm approaching 60 but have only lived in this country since I was 21. Are you familiar with the "questions only I would know the answer to" part of the sign up process? Well, it only told me that it appeared that…
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CCJ's and Energy switching
My partner has 5 CCJ's (3 paid off and 2 awaiting her ex to clear payment) still attached to her record left over from her ex's inability to manage his finances. She has attempted to switch energy providers and all looked good until recently when her old company started demanding payments. A short notification was sent to…
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Peer to peer lending
Hi, First time using this so I'm not quite sure I'm posting in the right forum... I'm thinking of lending money to a peer-to-peer lending company wellesey (with an ipad in return). However, before I do this, I'm most concerned of how the credit checks they run to accept me lending the money (soft checks I'm told), may…
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Confused with Default/CCJ Statute barred Dates
Hi, I'm a bit confused with how Default / CCJ dates are dealt with in relation to Statuate Barred times, specifically for debts that have not been paid or acknowledged & ones that seem to have been passed to a Debt collection company. I've seen this part of a post, but not sure I'm understanding it correctly?! I'm hoping…
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What gets recorded after a default "drops off"?
Hi, I wonder if anyone can help. I received lots of great advice here about some late payment markers which were placed on my credit file. I've asked the ombudsman to look into it for me and I'm a bit baffled by their response. the ombudsman say that because I was making payments beyond the 6 years, even if a default had…
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Credit rating and life.....
Hello, I thought I would see what the consensus is here on my situation. I am retired and have no debts, I can manage to get along with my pension and have savings to fall back on should I need to. The question is, as I am 58 and hopefully intend to be around for a while yet the fortunate situation is not helping my credit…
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Help with credit file/score. Can 1 credit card be impacting my score?
Ive been looking through Noddle for awhile now and for some reason it has dropped last month. Score went from 3/5 to 2/5 and from about 700 to 560. The only financial change ive made is taking out a new deal on a mortgage(which is better) and reducing my overdraft every month this year. I joined Clearscore yesterday and…
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re building a credit file
We are leaving the long journey of debt and now the issue of trying to rebuild a credit file. My wifes credit file - in the open section shows our current account and 2 catlogues, one zero balance and one with about £200 of a £1400 limit. I looked on clearscore and saw a negative factor was no current credit cards. It is a…