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Equifax - Thames Water
I got my water bill today from Thames Water - for the last 26years it has been addressed to me by my initials. Today's was addressed to my son by his christian name! He has the same initial. Phoned Thames Water who said that they had got the name from Equifax. They are trying to fill in missing information. Apparently I am…
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Incorrect default removed from Barclays.
Hi, Thank you in advance for your advice. I opened a Barclays current account back in February 2012 with the intention to swap all my incomings & direct debits etc onto it. Long story short, it never happened & I stayed with my current bank. I moved house shortly after this & never changed the details with Barclays. Safe…
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Improve credit Rating
Hello I have just finished paying off my 3 bad debts using a debt management company. I had been using them for the last 6 years. Thankfully they are all payed off. There was a default on each account. This has now dropped off as it is over 6 years and the account settled. When I look at my credit score it's very low. But…
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Delinquent account
We use Welsh Water for our water supply and pay by direct debit. In April they had a system error and did not take the payment so they sent a letter of apology (still have) and readjusted the DD for the year. In August my Wife was removing some old DD's on line and removed the WW DD by mistake. We missed the payment but…
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Setting Aside Application
Hello there! I have recently started tackling my debts and have cleared my non ccj debts both on and off my credit file in the last few weeks. Hopefully by the spring I can start tackling my ccjs too. I have 3, I am in no way disputing I owe the monies and I plan to pay it all back one at a time. I was very bad with money,…
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Aviva won't mark car insurance policy as settled 20 months later
Hi MSE'ers! I had a car insurance policy with Aviva that ended in May 2014, however this is still showing as an open agreement on my Noddle credit report (see attachment). I've had contact with Aviva, who said it has to stay on my report for 7 years (which I'm not disputing), however, they're refusing to mark it as…
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ccj
hi all, just wondered if you can receive a ccj on the same debt twice?
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Clearscore asking me strange questions
I called Clearscore to register for a free credit report and got asked some absolutely strange questions regarding my report. One question was regarding an account i opened in April 2012 and they gave me options to pick. I had not opened an account in that time, so i told them it was none of them. Now i know for a fact…
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Unused credit cards and overdrafts
There seems to be so much myth and urban legend around credit ratings. One one hand, people say you should close them if you don't need them, as it shows you can get into debt. On the other, people say it shows you're responsible and the bank trusts you. Some say using cards shows you have a credit history, others say…
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Cannot get notice of dispute removed !!!
Hi guys So Equifax had incorrectly recorded an old savings account I had as a defaulted bank account - I disputed this and then went back to HSBC and put a notice of dispute on my account while it was investigated. They eventually apparently got a reply from HSBC and deleted the account. They have left the notice of…
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Is my credit score unfairly affected?
Hi there all, I did a quick search for similar topics, but wow, this forum is massive! I apologise if this has been done to death, but I need help before I lose my sanity... I am in an ongoing battle with Secure Trust Bank over a voluntary termination of my car finance. I won't go into the details, but I'd love to hear…
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Fraudulent Defaults
I hope I can find some help here. About 10 years ago my parents were getting credit in my name, I ended up with a really bad credit rating and have spent the last 4 years trying to build it back up again (with moderate success!) I haven't checked my credit rating for a few months and decided to try the 'clears core' free…
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Defaulted Accounts
I live in Scotland and have a defaulted account that is currently with a debt collection agency (Scotcall). At the end of this month, that will be 6 years from the start date of the default. The account hasn't been 'Satisfied' however I have been making regular monthly payments. I am looking to know whether the default…
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Certificate of Satisfaction
Had a CCJ three years ago. Long story, but I paid it all back over about 6 months (an agreed payment plan). Final payment was October 2014. Since then I have not thought about it. However, am involved in a business now and will look for external funding over the course of the next year or two. Checked my credit report and…
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Sending a postal order to obtain information on my account
Hi All I am wanting to send a postal order/statutory fee for £1 to my bank to obtain a copy of the agreement they are supposed to have for me in relation to a defaulted account. Does anyone firstly know what the address is for the Data Exceptions Team at Barclays? I have spoken to the Barclays online web chat and can only…
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Can a bought debt have a Default added?
Hi All I have an ex-payday loan that was sold to MMF debt collection agency. They have emailed me to state they will register a default with credit agencies if I don't pay it off with them. The original payday loan company didn't register a default that I can find (I've check all 3 agencies) so can someone who bought the…
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Can a bank do a credit check whenever they like?
I've been with the bank for a number of years. A few months ago they increased my credit limit on my credit card. Now they have sent me a letter and reduced my limit after doing a credit check on me. I pay minimum amount monthly. Can they look at my score whenever they like? Surely this will show that someone has been…
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At what point should a file be marked as defaulted?
Hi All This might be a stupid question so apologies in advance, but I wondered when an account status should be changed to 'default' on your credit file? For example, if you missed the 1st payment in April and continued to miss payments, would the account be marked as defaulted from the 4th missed payment onwards (July in…
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Help - all of a sudden we are no longer on the electoral register despite having been
Lived in our current home ten years. Always been on the electoral role and always had voting cards and voted. Have, today, paid deposit on a large purchase (car) and having always had perfect credit had rather a shock when soft searches whilst hunting for best rate drew a blank. Having investigated and signed up for…
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Well that is confusing!
Evening all Ok so I am not sure whats going on so hopefully someone can shed some light on this for me, My credit rating as far as I can see is not bad, and it improves each month. I have had a barclaycard for 2 years and have always maintained my payments/cleared the balance each month. I have never defaulted on my credit…
