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Credit history
I am thinking of ditching my 123 credit card account although I have been with them for the past few years. Would changing to a new provider change (negatively) my credit history such as showing the gap in between the banks or just simply will start a new history from scratch? I am asking because I may potentially start…
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CCJ Negotiation
Hi, I was wondering whether it is possible to negotiate with the courts to reduce the amount of your CCJ, I currently owe £1119.00 in the form of a CCJ and could probably afford to pay off about half of it, would I be able to negotiate to get the amount I owe reduced or not?
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difference between equifax and experian
i have recently been turned down for car finance so decided to get mt credit files so got the free trial from equifax and that was showing 440 out of 600 which is good and not far off excellent. then got the free trial from experian and that says my credit score is 640 out of 999 which is a poor score. why are these 2…
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Help needed
my ex took out a loan in her name then bought me something with the money but she couldnt afford the payments so i said i'll give her the money. but then i stopped paying her once we split up as she got the car(that we was both paying for) and all the furniture. so then i got a solicitors letter from her to say she wanted…
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Still have a financial association & don't know why
About three years ago I registered with Experian after finding I kept being refused store cards. My credit rating was excellent but I had a financial association with my ex. I wrote to Experian and requested that they disassociate me with my ex, which I thought they had done. And then cancelled my subscription before the…
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CCJ & Default from Ex
Hi All, Any help would be appreciated as I am a desperate woman. I owned a leasehold property with my daughters father and after we split I was forced to move home (via intimidation) whilst he stayed in the property we owned. After 2 years of trying to sell the shared property I finally got a resolution and the property…
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Barclaycard - not showing balance as paid in full each month
Hi all I have a Barclaycard which I pay off in full each and every month. However on inspecting the Experian and Equifax files, they seem to record me as only having partially paid the balance in full in 7 of the last 13 months, i.e. the payment amount for any month is less than the previous statement balance for that same…
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New account and credit rating.
Hello everybody, I am in need of a little advice if that's possible? I switched banks at the end of 2014 and was told there would be the usual checks etc. The switch went fine and all was dandy until October 2015 when I came to take out a loan with the bank I switched to santander. My credit rating has always been…
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Default dropped off but credit still poor and getting rejected
Hey, I assumed my credit would improve and I would get accepted for applications after a default dropped off my account. The default has dropped off but I'm still struggling to get credit. I've had another look at my credit file with ClearScore. I've got a £1700 short term debt with Vanquis from a limit of £1750. Is this…
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Current Account applications causing negative score
Hi I recently inherited some money and am putting a fair chunk (around £40k) into the high interest paying current accounts, using the 5% savings loophole. With the 1st 4 accounts I opened all was well, but when I went to open the 5th (with Lloyds) I got refused. I applied online & no reason was given other than the…
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Credit Score
Hello, This is a post on behalf of my wife. Using ClearScore (and Noddle) it seems that her low credit score is based on the credit utilization, her MasterCard (19% APR) at 4,100 / 4,250 or 96%. Using all the various eligibility calculators all show show 10% chance of getting any decent length 0% balance transfers. My…
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'U' on utility credit file?
I have just looked at our statutory credit reports and equifax have each month for or utility company marked as a 'U'. I undertand this means 'unknown' but wondering if it will have adverse effects when applying for a mtg next year? We pay a set amount by DD each month no never miss payments etc tia
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Never missed a payment, poor credit score?
We checked my partner credit history today on noddle and when he last checked in 2014 it was 4/5 but today its 1/5 and 548 in the credit score section. We've never missed any payments on his phone bill, bank, catalogue, small loan and insurance etc. Is there something we can do to improve this? I don't understand why it…
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cash drawn on credit cards
I was alarmed to see on the money show on TV that drawing cash out with a credit card can affect your credit rating. I took out a Halifax Clarity card especially to be able to draw cash out while I was abroad, and did so for six weeks, but always transferring money into it so I never owed money on it. Since I came home I…
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Bank Accounts
My partner closed 2 bank accounts with Nationwide ( 1account 2yrs ago, 1account last yr) and has heard nothing from them since. However, we opened a Noddle account for him the other day to find these 2 accounts seriously in arrears (around £1k) and showing Late Payment notices (due to them charging him, putting him in…
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Rating drop after buying home
Hi all, I've been using Noddle who give a score of 0-700 and also a simpler score out of 5. Previously I had ~ 650/700 and 5/5. I always pay my credit cards off in full at the end of the month and had no other debts. In December I completed on my first house and now have a mortgage . Additionally I ordered ~1k of furniture…
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Ongoing late payments
I had a virgin mobile 24 month contract first day I had it I couldn't get signal in my area, so I called virgin and told them I didn't want the phone as I could not use it and I was told they couldn't take it back as I had started to use it. I cancled the dd four years ago and thought nothing else of it, now I have just…
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An Unknown CCJ and clearing it!?
So I have recently decided to find out what my "credit score" was and have come across a few details that are slightly worrying. I have found that there was a CCJ placed against me around 2 years ago. I have no idea where or what the CCJ could of been for. So I am at a loss to what to do about it as it is for just over…
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American Express On Credit File
Hey, So, as a New Year's resolution, I decided that I wanted to sort out my finances! My credit record is abysmal, and littered with defaults / delinquent accounts. Whilst going through my Experian credit report, I noticed that my American Express credit card did not feature on my report :o Due to redundancies, I stopped…
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Getting rid of a CCJ
Hi My CCJ debt was passed to TNC at the same time as I was attempting to make my final four payments (I enhanced my payments as I was able to settle earlier than scheduled). TNC disputed ever receiving the final payments and I was able to evidence my bank statements to them showing the payments. This was in October last…
