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partial vs full settlement and credit rating
Hi all, First post so please be gentle! I wanted so easy advice on settling debts and how it affects credit rating. Long story short, my wife has a debt management plan in place for various debts amounting to about 7k. We recently were approved for a mortgage ( in my name only) and I should have some money left over so…
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Help me!!
Ok so today I have checked my file with Clear Score.... This is my report: BANK. ACCOUNT. LIMIT. BALANCE lloyds. Credit card. £10,000. £7,860 Lloyds. Current. £1,500. £0 EE 3 My score is 479/700 which I think is good and they appear to aswell, yet I applied for a loan and was declined. I've lived in my house 10 years and…
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How soon will my credit rating improve
Hello all, Apologies for the in depth post before I start. I'm wondering how long it will take to regain a decent credit rating so that I can apply for a loan. A little background: 5 yrs ago I made agreements with 4 credit card companies and having frozen the interest on the accounts have been paying back small monthly…
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Impact of failing credit check on rental contract?
Hi everyone. Newbie here. I'm a British xpat who will be returning to the U.K. later this month after living and working for 25 years abroad (essentially all my working life so far!) Initially renting a property. Have a contract etc, however, the agency required me to have a credit check before they accepted me. I told…
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Unfair credit score
So after being rejected for a loan from my bank I registered with both experian & Equifax to find out why. My score came back almost perfect from experian at 977/1000 My score with equifax however is only 342 - due to an electoral role 'issue' despite the fact I have been living at my current address for over 3 years and…
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Civil enforcement ltd. CCJ
Urgent advice needed please! Recently when applying for a mortgage, we found that my husband had a CCJ. We were advised that if we could settle the debt, the mortgage would be accepted. On contacting Northampton CCMCC we were given the number for the claimants solicitors. They informed me they no longer deal with this…
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Equifax/Experian Credit Report no Debts on it
Hi Ive just signbed up to Equifax and Experian to check my credit report as I am considering applying for Bancruptcy but when I've signed up although it has found all my addresses and financial associations it doesnot appear to include any of the debts that I am expecting. Will this change? I also tried Equifax and Noddle…
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Is it too late to a build credit file?
My wife has never had any credit and therefore has no information in her credit report. Never had phone contract / loan / bills / mortgage, they have all been in my name. Our house sold and we are looking to apply for a joint mortgage quite soon, (possibly even within a week if we like a house) Is their any short term fix…
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Late online refund resulting in negative mark on credit file?
Hi MS Forum members I am writing with regards to an online order blunder with Debenhams. I returned a large order a few days after it was delivered and the multiple items were refunded in dribs and drabs. I didnt make payment to the card as I had credit on the card to cover what I kept. Some items weren't refunded and,…
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Letter from Moorcroft Group
Hello, I received a letter from Moorcroft Group Plc yesterday in my name and address as belowDear Mr XXXX, We are attempting to contact the above named person regarding a personal matter and we have been provided your address as a possible address for our customer. if you are the person named above, please contact our…
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Need some advice with rebuilding my file
New to the forum I’m looking for a little help. I have a plan to obtain a good credit rating within the next 2 years so I can stand myself in good stead to getting a decent mortgage deal as and when I’m 40. I have very little credit history and what I do have is very poor. Mainly down to a default 4 years ago with a bank…
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noddle not working
"We've been continuing to monitor your credit report and are pleased to let you know that over the past month there were no key changes. This means that during the past month we detected no new accounts were added, certain changes to existing accounts didn't occur nor was any public record information added to your file."…
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Creditor missing from Credit Report
Good morning all, One of my creditors is no longer showing on my Noddle file, but is showing on my Clearscore file. They used to definitely appear on my Noddle one when I checked it last, around 6 months ago. The Clearscore one is massively out of date however, it shows old addresses / last updates being 18 months ago etc.…
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Rebuilding credit while still in default
Hello all! I am currently in default of two debts. All of my other ones are either settled or satisfied, but will still show on my file until October / November of this year. Is it possible to: 1) rebuild credit while having defaults on file 2) rebuild credit while having active defaults on file (ie not settled or…
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£2 Equifax Report
Is it still possible to get one? I logged into my old account and they're offering everything but the bog standard £2 report - I don't want to pay £10 a month, just a spot check is good. I have Clearscore but there's lots missing
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First utility credit search
Hi, this may be the wrong place to ask but I'm not sure of where's best. Anyway was wondering if anybody has had any dealings with first utility and had any problems with their credit searches. I am moving next week and wanted to sort out my gas and electricity. I stupidly applied online and of course gave my new address.…
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Help regarding credit report and IVA
Hi All I'll try and explain the best I can but please bear with me ! I have had some financial difficulties , I had an IVA which started 2008 (well thats what it says on credit file but I thought it was later on than that) , Anyway it failed around 3 years ago (mainly due to gambling problems , this is all now very much…
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Help understanding credit file
Hi, can anyone help?? I have two ccjs, one is for an RBS loan, the other for a store card, both due to drop off my credit file in about 2 years. I have being paying small payments each month towards these however this will not clear the debt by the end of the 6 years. So from my understanding the ccjs will drop off my…
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Capital one - and a default
My husband had a capital one account when he was 18 years old. About 10 years ago he claimed back all the unfair payments on the account which they then closed and defaulted him. We had to wait 7 years before we could apply for credit/ mortgage etc. The reason I am bringing this up now is that there was PPI on the account…
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Retail option account
Hi all, any ideas what a "retail option account" could be on an Equifax credit file?
