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Should banks be informed of new electoral roll address?
I've recently moved into a rental property. My electoral roll information has successfully changed and I've noticed new recent utilities (broadband, gas etc) having linked to this new address on my credit report. I have a number of credit cards and of course a current account which are all still sending statements to my…
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Any Help?
Hi, I'll give u some background before my questions, We own a property with only 11 years left on the mortgage, we lived in this house until 4 years ago, when we built a house. We have rented the house and the monthly rent covers the mortgage with £120 left over extra each month. We tried to refinance the property last…
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Age/number of bank accounts and effect on credit rating
I'm starting to get a bit wiser with my money, and part of that involves making my money work for its keep, i.e. putting it into appropriate account. I've just opened a TSB Classic Plus (opened, not switched), which in the short term makes the most sense to me as I want to aggressively pay off a debt and will therefore…
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removing financial connections
I am now divorced and my ex is listed as financially connected to me on credit files. He has not paid his cards since so I need to get rid of this connection. Will I have to write to both Experian and Equifax? My deceased father is also on there for some reason though we had no joint financial connection at all. Also, does…
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Importance of name on electoral roll
I want to ensure im in the best position possible to apply for credit in a few months time. My bank account details and national insurance card have always stayed in my maiden name. However I use my married name at work and on the electoral roll in my previous property. I have now separated from my husband and am using my…
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BT Prepaid Mastercard deal
Hi, Can someone help me? BT is offering new customers a prepaid Mastercard for £75-£125. Would receiving one be captured on credit history at all or leave any mark? I would go for a new BT package but I don't one mark on my credit history. Thanks. Viktor
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Credit report address confusion
Hello everybody, I was wondering if anyone can give me some advice. I have been registered on clearscore for a few months now and my score has remained stable and OK. I have a 2 credit cards and was planning to shift the debt onto an interest free one. Clearscore suggested a virgin one as 70% chance of acceptance with my…
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Experian File - score dropped 716
Evening, I logged back in and paid for my experian credit score this evening and was shocked to find my score had dropped to 257 from 973 in the last year. You have a defaulted or delinquent account You have made 1 or more late repayments on your active credit accounts within the last 6 months. The reason is that during…
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cancelled CC showing as active and paid every month?
Little bit confused...can anyone shed any light please? We have both just done eligibilty checkers for better rate balance transfer credit cards. Not huge balances just nice to pay less while the balances remain for the next few months and for purchaces made int he future. I was preapproved and succsfull, my hubby not :(…
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What effect do searches by debt collection agencies have on my credit score
Looking at my credit noodle report the today I've noted that while every thing seems ok with no bad debt. My score is only 4 out of 5. The only things that might effect it is searches by debt agencies casting about for someone with a similar name or it could be my lack of mortgage and credit cards (all paid of in the last…
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Financial association
Hi, My ex husband is showing in my credit file as a financial connection (last confirmed March 2010 by Barclays Bank). When I queried this with the bank they assured me that it would drop off my credit file after six years, is this correct? From what I have read on here it seems financial connections stay on forever unless…
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Trying to clear CCJ but court won't respond – how do I escalate?
Good morning. Four years ago, I agreed to be a guarantor for a family member who didn't have an acceptable level of credit rating to rent a property. Unfortunately, this family member ended up owing the landlord money. I received a CCJ in the post and the money owed was removed from my bank account by the court and held in…
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Default against me
Hi I was wondering if anyone can help me and my family out we have just tried to purchase a new home and rent out our current house and to my horror we have been refused the buy to let mortgage as lowell portfolio/Bryan carter solicitors / fredrickson international have taken over a debt orange mobile phone company say I…
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Application for credit "referred"
I want a new bathroom and though I have sufficient founds to pay outright I was advised to get credit. I did not consider the effect of this on my credit rating. As my income is limited, the credit application was "referred" and I now need to provide further details. If I refuse to go any further with this application will…
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Improving my credit rating - advice welcome :)
Hello, So my current situation is: Credit Card Number 1: £1020 at 34.9 % Overdraft Number 1: £1500 which is soon to expire from my graduate account currently at 0% Overdraft Number 2: £100 which is at. 0% also. Debt to Family: £1040 In a ideal world I would to consolidate my debt into one place, the only place that I can…
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unauthorised credit search
how do i investigate these
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Iva advice
Hello Everyone I would really appreciate some advice, I have an Iva on my credit report that was entered on there by payplan. I feel like I was missold this, I didn't understand the full implications of having this they just wanted a fee from me. It has been on my credit report for 2 years now and to think of the impact…
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Mortgage Renewal in Sept - OK to apply for new credit card now?
I have one very old card with a very high credit limit on it with a zero balance, that I am going to keep in line with Martin's advice. But I have two cards with balance transfers on them, both at 0%, but one runs out in September around the time I will be renewing my mortgage. I was thinking of getting a new long term 0%…
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HSBC Marker
Three years ago I took a £1000 loan from HSBC, at the time I was going through a divorce and due to paying high legal fees I stayed behind with the loan payments and the bank issued a final demand. I eventually settled the loan. A couple of months ago I tried to open an ISA savings account with HSBC and the application was…
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ClearScore
I am looking to get my credit report and know that all the big name companies charge for this. I have came across ClearScore on the internet and they offer a free credit score. I have never heard of this company before are they legit and trustworthy. Has anyone used them?
