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I need to rebuild, going to need advice :)
I'm fully aware that this makes me look totally foolish... Hello there, back in 2012 I was in a good position. I owned my own 4 bed detached house with my now ex-partner. Had no credit apart from the mortgage and we were both on around £25k a year. We had rather an acrimonious split and I ended up having to leave. I had no…
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CCJ from a Defunct Company
Hi, I'm hoping someone can help. I'm currently applying to rent a house and a credit check has brought up to CCJ's one I knew about that was paid off via an attachment of earnings 2 years ago and another I have no knowledge of which doesn't show up on my Experian or a CCJ check. Anyway for talking to the court and doing…
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mistake crippling hubbys credit
hi we are trying this year to clear debts and put in to buy our housing association house. i have just signed up to clearscore to see what is happening as my husband is the main earner but cant get credit we have a loan with barclays it was a car but it showed as a loan not car finance we needed to drop our payments a…
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Partner has old credit card default, is a joint account wise?
Hi! First time posting for a while so apologies if this is in the wrong topic. My fiance, back in his youth, was financially foolish and to cut a long story short he had a credit card which he racked up a few thousand on and then didn't pay. This was well over 10 years ago (maybe 12-15 years ago). At the time he was a…
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Incorrect Address
So when I was 18 I moved in with my (horrible) Ex-Boyfriend. He had terrible credit, so I took out a mobile phone contract with o2 for him in my name (terrible mistake, I know). He then rung up a very expensive phone bill which i couldn't afford and refused to pay on his behalf. He told me he sorted it and that I wasn't to…
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WageDay Advance scam letter?
I got home today to a letter from them, well supposedly. I'm not sure where to go for advice. Apparently they tried to collect my loan payment, which failed and has now also incurred a default charge. Thankfully I have nothing to do with them or any similar kind of company. The number seems fake too, 0333 011 0688. I…
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big credit card issue
hello, I have credit card debts of approx £91K which i am only paying minimum payments on. is it better for my credit report if i have all of these consolidated on one secured loan. the reason i ask is that i will be needing to reapply for a mortgage in 6 years time when my current interest only deal comes to an end. and…
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Change of address at time of applications?
[FONT="]Hi All, Just after a bit of advice. I've just moved last month, and I'm just in the process of changing my address details with everyone that requires it (work / driving licence & insurance / car reg / bank account / credit cards / electoral roll / etc.) I didn't do this immediately as I was previously staying…
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Defaults and settled accounts on credit file help needed
Hello, I am sorry if there is a similar thread lurking around with the answer i need but i am unable to find it. I am in a DMP and the majority of my debts defaulted in 2010 - meaning many are due to drop off my file this year. One of these defaults was with shop direct ' argos additions' i think it was originally, then it…
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CapOne Ending Equifax Credit Monitoring
Just had an e-mail from Equifax stating that CapOne are ending their free reporting service relationship on 29th Feb. No reason to keep the card now.
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Noddle report vs Experian
My Noddle credit rating is very poor at 2/5, yet it is very high on Experian – 989/999. I am looking to shift my current credit card debt onto a long term interest free so I can pay it off in 12 months but am reticent to do so just yet as my Noddle rating is low. Can someone explain why this might be and offer any advice?…
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Worried about British Gas pre employment check. Help!!!!
I have to been selected for a final interview with British Gas. As part of this I have to give consent to an experian credit, employment history and criminal background checks. On the form it ask if I have ever received ccjs, Iva's or trust deeds. Will experian give them details of an old trust deed and ccj which are no…
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Help challenging credit card defaults
I took out a credit card a little over 3 years ago with MBNA. The plan at the time was to use it for occasional spending to boost my credit score. When I took out the card, I was working full time on a good wage, I was getting payed on a set day of the month and there where no issues. The problems began when I changed…
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Equifax - credit agreements addresses seem incorrect
I am not sure if I'm interpreting my equifax credit report correctly, and I also have an address issue which may be adding to my confusion. I have lived at 1. my current address, address A, for over 3 years. 2. Before that I lived at address B for 2 years. 3. Recently my credit report was showing me living at address C,…
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Soft & hard search on same day
Hi, I've applied on 07/11/2015 for credit card at Capital One and was sadly refused. However after checking my report(from Experian), I've found the credit checks on two different days as follows, 07/11/2015 (Hard search) 17/11/2015(Unrecorded enquiry) 17/11/2015(Hard search) Now, I am trying to undertsand, if the credit…
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Why has this suddenly appeared on my file?
Hi all I currently have a default on my file from Barclays which was registered in July 2013 as defaulted. Up until now, this has never appeared on my Experian credit file, but has always appeared on Equifax & Call credit. Is there a particular reason why it has never been reported to Experian before, but now has appeared…
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Cancelling old cards
Hi guys I'm a long time reader of these forums but this is my first time posting! I've got a number of cards here and I've always thought it might be wise to get rid of some of them to keep my credit rating looking good, but I'm not sure if it's going to make things better or worse! The cards I have are: American Express…
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removing debts from files after 6 years?
Not the most succinct title, but I would like to ask other users for their experiences in this. In the past I was in a trust deed, started in 2008 and ended after 3 years. I joined Experian and started rebuilding my credit rating with good results. However I joined clearscore (dazzled by the word free). They use Equifax…
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Bank account loyalty - does it matter?
Hi there I want to switch my current account to a different bank and understand how easy it is to do these days. What's holding me back is that in credit applications lenders always ask which bank your current account is with and how long you have been with your bank. I've been with my bank over 20 years - if I switch to a…
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Statutory report missing older info?
I just got my statutory report of Experian and its missing quite a lot of data on past creditors. Basically the only creditors that appear to be listed are current ones like my mobile and credit cards. I did go Bankrupt in 2010 and those defaults are due to fall off my credit report in a few months. They are showing along…
