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Credit Score Unchanged
In the past I got myself into quite a pickle with debt but I'm slowly paying it all back and I'm almost clear. I check my credit score regularly using Equifax and I'm a little bit confused. Over the past year roughly 4 defaults have dropped off cause of the 6 year mark. I've also just had an old credit card drop off this…
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Credit rating journey - having trouble reading the map
Couple of questions which I hope folk can help me with. I've recently cleared off my credit card which has a limit of £1050 now I read the best way to improve your score is to use it for small purchases and then pay off the balance in full every month (which is currently the plan) however I also read the best way to…
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Virgin Media Default Success Story!
I am looking to apply for a mortgage so I obtained my statutory report from Experian which showed a default of £52 from Virgin Media from my student house that happened 8 months after I moved out (I left early on bad terms with the other housemates), and I had no idea that my name was still connected to that account. I…
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Co-tenancy and building good credit.
So I have just moved to the UK and have moved into a two bed apartment which I am sharing with a friend. My friend has been a resident here in the UK for a number of years however he too is moving into this new accommodation. As he is just moving across town as it were, he is bringing most of the utility accounts from his…
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I can see someone else's information on my credit file
A few weeks back I posted on the Mortgages & Endowments board about that fact that a mystery mortgage had been applied to my online banking account - see forums.moneysavingexpert.com/showthread.php?t=5391835 (as a new user, I'm not allowed to post direct links, sorry). I was advised to check my credit report and I was…
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Delinquent account error on file
Hi, Quite a long story here. Am hoping someone could help please! My partner and I are attempting to get a mortgage for our council house through a right to buy scheme, and we have a three month timescale in which to accept the valuation offer from the council (plus a further 28 days that I've found will be allowed before…
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Default Or Late Payment For Mortgage
Hello, I was hoping for some help/advice as I prepare to make a mortgage application next year. I currently have a default on my credit report from March 2012 for £487, this has not been settled yet, the lender has offered to remove the default and replace with a late payment mark 3 upon settling the balance. The default…
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Only 2 months to go till BR over & Start Rebuilding
Hi All, I haven't been on here for quite a long time, however this forum and everyones advice before I went BR helped so so much at the time, quite simply put I don't think I wouldn't have gone through with it without the advice of the other users on here, so thank you again. I have just had a look at my credit profile on…
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co sign
Hi I co signed for my sons car, Now he has paid over half he wants to voluntary terminate. will this affect my credit rating. Thank you
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Credit Rate destroyed by Natwest Bank - please help
I would like to share the story about my problem with NatWest Bank. In 2009 my then wife and I entered into a joint loan agreement with NatWest Bank. The marriage broke down and we began divorce proceedings in 2012. We visited NatWest twice, to arrange to settle our financial obligations. The bank was not helpful, but I…
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Noddle credit rating - who uses it?
I've always prided myself on being debt free (apart from having a mortgage) and I've always made payments on time. I regularly check my Experian credit account and it's been 999 for as long as I can remember. A recent case of identity fraud by a family member has prompted me to check my Noddle credit score and it's…
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does opening new current account affects ones credit rating
I have a joint account which i opened last september and i want to open another indivdual current account with another bank. Will the credit check affect my credit rating as they are bit close. I am also thinking of applying for a mortgage before the end of the year please will it have any effect. Many thanks
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Please help with credit score
Hi I was looking for some help with my Credit score. I recently just created and Equifax Account I have never checked my score before. After looking through it there is one Default of £211 pound with a Caboot Credit Card everything else is Fine. However this Default is damaging my Score. I had signed up with them 2009 and…
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Bad Surprise
Back in January I was declined for a loan. It was a complete surprise as I thought I had a really good credit score. I applied for a free trial with a credit reference agency and found out that a Mobile phone provider had messed up the porting of a number when I changed contracts (with the same provider). Bottom-line was…
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Default date & credit file
Hi all, this is my first time on any forum so I'm not too sure how it all works! I just have a question re defaults and when they should be registered. In 2009/2010 I got into financial trouble for reasons beyond my control, however I ended up on a DMP which was fine all and all kept too and we have since settled the…
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british gas fraud?
hi sorry for another post .. i was checking my credit file and noticed a default from british gas . so i contacted them as i only lived there 8 weeks and were trying to charge me 9 months worth .but i never set this account up i moved in on 01/10/11 and they have a start date of 7/9/11 , i wasn't even near the area then i…
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Credit report, very confused about things that drop off after 6 years.?
Can anyone clarify about the credit files... Our mortgage adviser said that even when my partners defaults reach the six year mark and drop off his report, creditors can still see it and we still have to declare any default, late payments etc to mortgage providers even after 6 years. I can understand having to declare…
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Credit Score - Pragmatic Advice
<Removed my pointlessly long post> I was, trying to be useful with reasoning, but as the next post in the thread quotes Martin saying it much better I've removed it.
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defaults
hi everyone looking for advice. regarding defaults from 2011 from british gas for £60 saw that on my file ,called british gas today about and they have me there till june 2012 but i moved out in dec 11 . got a council house then . the girl on the phone says they will clear the defaults that don't belong to me , so the 8…
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Credit rating dropped
Hi All, Am new here so firstly, hi! Secondly, I signed up to noddle last month. Now I know my credit rating is in a very poor state, thats part the reason for signing up, I am really trying to sort it out! Now the report refreshed for the first time today, and my report has dropped, as in, gotten even worse. Nothing that I…
