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Mortgage not showing on Credit File
Hi, I have read in several forums that sometimes Mortgages are not show on the credit file. Does anyone know if Bank of Ireland report Mortgage history to credit agencies? I checked on my Experian file and there is no sign of a mortgage or mortgage payment history. Thanks
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Address conflict
Hi all, I have a quick question - I'm registered to one address on the electoral roll but my main bank account is still registered to my parents' address, mainly to ensure I don't accidentally move and start missing letters. Is this a conflict in the eyes of credit companies, or is it not something my credit file would…
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improving credit rating difficulty
As it stands, i have a poor credit rating. Some years ago i got into a mess financially as a student, and ended up with several defaults, I was in a debt management plan but recently in summer 2015 came out of this plan, i paid off a number of debts in full and deal with my creditors direct now paying more off each month…
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Advice - Credit File
Afternoon All, I'll start from the beginning so you get the idea of what I'm trying to find out ! When i was younger credit cards and loans so easy to get hold of and not being great with money or commitment i got lumbered with a lot of my own and my ex debt as all taken out in my name. So when we split up things were…
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Halifax website errors have left credit check records
Hi, A couple of times in December I tried to apply for a Halifax credit card and the website gave me an error ("Our credit reference agency is not responding"). However I've just been doing a routine check of my credit files and I can see that both times a search was recorded (with Call Credit). Obviously this will affect…
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Applying for Mortgage
I have recently got married and changed my name on all my accounts but my credit file is still coming up in my maiden name. The electoral roll and all my bank accounts are in my married name so unsure why its taking so long for the credit report to update. It just gives my married name as a connection/ other name. Will…
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Credit report Confusion??
In 2013 I split up with partner who I lived with in his home. I moved into a rented house and went down the route of applying for a mortgage. I wouldn't say I had bad credit as there were no defaults but I had a lot of outstanding credit on credit cards so my credit rating wasn't good either. It was a struggle but managed…
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Travel Agent & Debt Collectors?
Sorry, unsure where is the best place to post this. Basically, I booked a holiday over the phone with a travel agent, who is a 3rd party. I paid a low deposit and the remaining deposit balance was due 8 weeks later. Circumstances changed and I called them to let them know I would no longer be taking the holiday and had to…
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Address confusion messing up report
Hi all, I am having problems with the flat I live in and I think it's seriously affecting my credit score. I have lived in the flat for 3 years now and it's never been a problem until now as I've never checked my credit score. I don't live at No. 1 but for this thread I will. My letting agent has told us it's Garden Flat,…
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My Credit report (a few queries)
Hi People, I apologise but this is likely going to be a load of trivial waffle. It is just me trying to leave no stone un-turned in my efforts to get a mortgage this year..... I have looked at the 3 known credit reference agencies reports on me....Equifax, Experian and Callcredit..... I have a credit agreement listed on…
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Possible Identity theft/fraud - what to do?
I didn't know where to post this so it's ended up here. Starting with almost the first post delivery of 2016 I've started receiving mail addressed to 3 different members of the same family, surname 'Rai', to my house. People by that surname, as far as I am aware, have never lived here. The house was empty for a year before…
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Credit Rating / Loan Advice for couples
Hi All, We currently have a joint mortgage which is due to be renewed in a few months. We're expecting to get a better rate as we have more equity in our house now. My partner has a car loan that is due to expire in a few months too. I have no loans but I am looking at getting a car loan for a new car. My question is -…
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Car lease and late payments
Hi I am looking to lease a car in the near future but I have a few recent late payments on my account. Will this cause me a major issue. The late payment markers are '1's' Not sure if this puts me into the 'bad credit' bracket or not??
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Credit searches - how long to appear on report
If apply for a product that involves a 'hard' credi search which other lenders can see, do they appear on the same day/immediately on my credit report? Or would i see it the next day (e.g. apply for a product on Monday, then search appears on the report on Tuesday)? Does it depend on the lender?
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Credit card reduction
Hi, I am currently sitting at 90% on my credit card as for the last six months we were struggling with just one wage (daft i know) but it couldnt be helped! Anyway we are both working now and trying to get our finances back on track, i am paying a fair whack of interest on my card over £100 a month so i decided to look at…
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Minimising Overdraft Hurt Credit Score?
Hi My partner has an Overdraft of £1,450 which she has recently paid off and is wanting to close or minimise this. Will it hurt her credit score if she was to just close the overdraft completely ... will then lenders know it was her that closed it or would they think the bank has taken it away from her? Any advice will be…
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Credit report help
Hi guys, a bit of background information, when I was around 14/15 years old, I opened an eBay/PayPal account and sourced out a wholeseller in China and started dropshipping items, it was going very well but long story short, I ended up getting scammed and I ended up owing eBay/PayPal a lot of money, which I couldn't afford…
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Overdraft or Credit Card?
Hi All First post, so ignore me if this has been asked a thousand times but if you can point me in the right direction that would be great! Christmas has now gone and what an expensive month that was! I know by the end of the month I will be running short, only by £100-£150 but what I would like to know is, is it better…
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Help writing to my bank about removing a default
Hi I had a student account and overdraft with my bank while at University. My degree dates were supposed to be Sept 2008 to July 2012 however I had to repeat a year and graduated in June 2013. It was my understanding that I would have use of the student account with an authorised overdraft until I graduated plus an…
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Experian file and M&S CC
I received my Experian file through the post today and have reviewed the file. One of the things I have noted is that despite having a 19month 0% deal on for new purchases, the promotional marker has not been ticked. As a result, I appear to have run up nearly £4k on a Credit Card for no good reason. I am due to be…
