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Should I wait before I apply for finance?
Hi all, I'm hoping for some friendly advice :) I want to apply for finance to fund a motorcycle through Santander consumer finance and I'm not sure whether to apply now due to an electoral roll issue on my credit reports. Basically, I moved house back in July 2015, registered on the electoral roll and had written…
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How to fix my credit? Help
I am 23 years old and in my final year of University. Since starting uni I have a £2000 overdraft with Lloyds and a £500 credit card limit from Halifax. I have made 6 late payments on my halifax card because I had to leave my part time job as it clashed with my uni course. I have sent for my credit report from Experian to…
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Pay off Interest-Acruing Loan, or Reduce Available Credit?
Hi all, I'm a first-time buyer looking at getting a mortgage within twelve months of so (possibly applying in about six). My wife and I are pretty savvy with our finances and as a result we've got a pretty low credit score (Callcredit) due to us moving current accounts, debts and the like relatively frequently (we're also…
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Talk me through sorting out credit - cripes
I've signed up with both Equifax and experian to try to get as full a picture as possible. I've paid off most things now and there are some left which will be sorted within six months. Am I to assume once I've paid off debts, it's essentially a waiting game and just waiting until things slowly improve - and this is a 3-6…
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Generic Identification Check
I've got a soft search on my Experian credit report for Barclays PLC.....it just says generic identification check. It was for my old address. Does anyone know what this is for I don't have any Barclays Bank accounts just a barclaycard. Slightly worries me!
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Letters for dodgy tenant
Hi all We moved into our flat 5 years ago, and quickly found out that the previous owner had been renting it out to an unsavoury character while the sale was taking a while to go through. During this brief period, the tenant had racked up thousands in debts to various suppliers, and we were stuck with the letters and…
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Electoral register
My daughter moved into her flat about 6 months ago and I told her to register on the electoral register. She didn't and has tried to obtain a loan. Apart from a few issues relating to am ex partner, her credit rating is ok but she's worried that as she's not on the register that won't help. (I did tell her but got the…
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Experian Vs Nodle Credit Score
So i am a long ish standing member of Experian - had to join to get a fraudulent Vodaphone account removed from my credit file and it has been for quite some time now... Happy that my score is back to 999 from somewhere around 300. I now pay to join once a year to for a month to check all is well. I saw an ad on TV for…
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General credit advice
Hello, New to this forum and hoping you members can give me a helping hand. I have a pretty poor credit rating - 604 to be exact. I have a mortgage and 5 open accounts which haven't had any missed payments. A while back, 4 years roughly, I missed a few payments on a mobile phone account (3) on a couple of occasions. But…
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I always struggle with credit, why?
Hi, Just looking for some pointers, I always seem to struggle to get credit anywhere but I can't fathom why? I have a mortgage, I have a credit card and overdraft. I have all the usual household stuff, electric, council tax, mobile phone, etc I have a car on finance (I think this may be the reason, but can't understand…
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Improving Credit score project
Hey there Apologies for a long post and if some bits are irrelevant. I figure the more info I can throw at you guys the more helpful you might be. Brief history: My partner had a child bank account, which turned into some kind of adult version, noncredit scoring account. She never used the bank for anything and just lived…
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santander email + defaults
I want to send them the email below does anyone know what the email is? I have decided I don't want to send a letter as I dont want them knowing my current address, as I'm guessing they will ignore me and harass me with threats instead, but I gotta give them the benefit at first. If the "closed date" is correct then it…
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Experian vs Equifax
Hi all, I really need some help, I am getting divorced and I need to get a new mortgage to take the house over but I keep getting declined, I joined Experian and my credit rating is good/excellent so I was confused, so I joined Equifax and with them my credit rating is poor, HOW CAN THIS BE?? I called Equifax and got…
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o2 defaults
Any help would be much appreciated on this its a bit complex but bear with me! I took out a contract with O2 I had it for a couple of years all clean no defaults,then in December 2011 I took out a new contract with O2 and cancelled the first contract and transferred my number over to the new contract and just carried on…
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File removed from credit file
Hello I'm new to this! in april 2016 a credit file for a loan I didn't pay back will be removed Does this now mean my credit rating will go up? Thanks for your help.
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Experian showing bank account as credit account?
Hi I have checked my credit report with Experian and it shows my current accounts as 'non revolving credit'. I understand this type of credit to be a borrowed lump sum payed back in installments? I have more than one current account as I keep bills and wages separate, and I am third party on an elderly relatives account in…
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Bank Account on Credit File
Dear All, Apparently I opened a bank account with Santander in Spring 2010 and have never received anything from them. A few months ago I started getting statements from them. No overdraft on there and no balance either. I tried to register the account to access online banking just to check it out but it said I wasn't…
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O2/Lowell
Hi all, Mortgage application rejected... apparently experian don't report the same info as equifax. So i now begin the tedious task of amending everything on experian, at £14.99 a month:mad: To start with... A default for £19 from Lowell Portfolio. Settled March 2015. Defaulted the year prior. I paid this as soon as i…
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Removing default 3 months before 6 year drop off?
Hi, Looking for a bit of advice! Is there any chance my partner will be able to get a default removed from his credit report with just 3/4 months left before the 6 year drop off? My house is on the market and we're looking at accepting an offer made yesterday. We will then apply for new mortgage in both names but this will…
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Linked address
Hi, I had to have a property repossessed in 2011 and subsequently went bankrupt later that year. I am currently tidying up my credit file and one of the linked addresses on my callcredit/noddle report is the RBS mortgage centre. I asked for this to be removed but noddle have contacted me today and said that the bank won't…
