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Multiple Applications in Short Period
I've just made a bit of a stupid mistake. I applied for a Halifax Clarity credit card, and was accepted. I got as far as the final page where you have to agree to the T&Cs to finalise the process, and when I was reading it I realised that the number in my address was wrong (must have clicked the wrong entry on the 'find my…
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will bad credit file affect me getting insurance?
Our income has dropped dramatically over the past 12 months thanks to a series of rate cuts (we work in oil industry). We have used up savings etc and are now facing the fact that we can't keep paying the fill amounts asked for monthly by credit cards. We are paying our mortgage secured loan utilities and council tax and…
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Will my poor credit rating effect my husbands
Hi, I was wondering will my poor credit rating effect my husbands credit rating? We have a joint account and I am currently trying to work on my credit rating to improve it. Any advice would be much appreciated. Thank you
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Mortgage Advice - Credit File
Firstly just wanted to say thanks to all the advice and information on this site i have managed to get an old DMP creditor default back dated to coincide with all the rest of my creditors that dropped off last year. My new predicament I'm still paying this off which ends next year, but as none of this is now on my credit…
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Paying off two old credit agreements
Hi all,<br><br>Just a quick question, I have two old credit agreements from the same payday loan company that I stupidly took out 3 years ago, on my credit file they total just £488. That is my total debt, I want to build up my credit rating over the next 5 years so I can save up for a house.<br><br>I have the money to pay…
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New Accounts:
Just checked my experian report online and noticed a sim only deal has appeared on there as a new account, bit surprised about this as I didn't have to go through a credit check to get it, but another one that I got from a different company which did credit check me hasn't appeared on there, the one that hasn't appeared on…
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NODDLE credit report
My NODDLE account shows some activity that is confusing me. Under the "Search History" tab, I can see that there is a search done almost every month by Insurance companies. Does anyone know what this is? I only have car insurance and the company names don't match.
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I want to beat Santander's CC charges...
Hi folks, I'm turning to you for advice as I'm sure they'll be a few out there who can help me :) A year or so ago I decided that as I had never taken out any higher purchase/loans/ cc etc that i probably would have quite an average credit rating, and as I want to buy a house in the coming years, it might be wise to take…
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Late Payments Showing on Credit Report
In 2013 I was in a bit of a messy situation financially, using my overdraft most of the time, a large amount on credit cards etc. but managed to turn it around and have been in credit since 2014 in my current account and pay off the credit card and store card that I use for spending each month. I have one credit card that…
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Low credit rating
I recently checked my credit score and it is quite low. I have no missed payments etc etc. All seems fine. Can your credit score be affected by borrowing too much and I didnt realise that bingo sites do a credit search?? Will these two things lower my rating even though I have no defaults etc???:(
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Building my credit profile
Hi all, I’m new here and just after some advice on how to improve my credit score and get my finances in better shape. I’ve done a fair bit of reading on here but wondered if anyone has any tips for my specific situation. I am a 31 year old married man. I have a son of 2 months old and I’d like to get myself in a position…
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lower CC limit
Hi ,new to this forum pls be patient Can anyone help please? Applied on line for the credit card currently with 23months interest free and no fee. Accepted with £5250 credit limit . Great! When acceptance letter arrived limit reduced to £1000. Rang up no one able (or willing??) to tell me why. Call Centre Operative kept…
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New rating criteria
Hi all, Ok, so recently Experian worked their system culminating in different rating scores. So, the effect this had on me as follows; Had been cleaning up my credit value for two years and by August last year my score was 968 out of 999. Fantastic, as I was looking to change my car, loan co's started to look favourably at…
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Dispute debt (credit card stolen years ago) debt collector wont take no for answer
I am not sure how long the original dispute was from but id say at very latest Summer 2012 but more like 2011. At the time I lived in a proprety which though it had a private letterbox as we lived above a bar the front door to the block of flats was locked though our regular postman did have a key. I had a credit card I…
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Vodafone not updating Credit File
Vodafone seems to be very complicated regarding credit file. I had an account with them for one day - and cancelled immediately because of bad customer service and the bad systems. Now 4 months have passed and they report to Experian with a zero balance but NOT settled status. I tried to call them many times and: 1 - they…
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Lowell Financial
Hi Guys, I recently got declined for an overdraft so I signed up for clear score on there it says that that I owe money to Lowell Financial. Truth be told this appears to be for a mobile contract which due to moving abroad and a very hectic and stressful period in my life I had forgotten about. Co-incidentally, I also got…
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PTA bank account and credit checks?
Hi all, I've recently been asked to become a signatory on the newly formed PTA of our school. I haven't got a fantastic credit history. Does anybody know if this will affect applying for the account as that could be really embarrassing. Thanks, Al
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Amending Incorrect info on credit file
I had an account with shop direct which was defaulted on in January 2010. I have the original default notice available - thank god I don't throw anything away! The account was purchased by Arrow direct in 2012 and I have been making payments via a DMP ever since. Arrow direct are showing on my credit file from 30/11/2012,…
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Current Accounts and Credit Files
Hello Everyone, I'm looking for a little more information on how applying for the excellent current accounts Martin recommends can negatively affect my credit score. I've recently paid off all legacy debts that were being serviced by an agreement with my creditors through the CCCS or Step Change as they're now known. It…
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Just some extra Advice (Rebuild)
I have viewed this forum and what everyone has posted and it has helped me no end having just been accepted for a Credit Card after a damaging few years! I'm 23 and due to a previous relationship my credit report was left in tatters however I have over the past year dedicated my efforts to rebuilding my report, I was just…
