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Credit cards keep or ditch?
Hi I have been slowly rebuilding my credit score. At present I have 1) Mortgage.. All good 2) Car loan... All good 3) 3 Credit cards Aqua Card I am using as a fuel card and paying off in full each month! Vanquis.. Occasional use but current balance is Zero! Nationwide card rarely use it! Am I better off ditching one of the…
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Bank Statements but not for charges
I read the posts regarding charges for statements ie ask for the £10 statutory access etc and ask for the charges not statements. Mine is slightly different. HMRC have missed off 4 yrs worth of NI contributions for my husband. When they "found" them they sent a list of how much NI he had paid per annum. Turns out they are…
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3 Credit Searches 1 Mortgage!
We have just sent or our credit reports and I noticed that there are two credit searches on my husband's for our mortgage. it appears that when Nationwide took over the day to day running of Derbyshire they did a credit search on us. I already had the Derbyshire mortgage for over 6 years! And I have been told that I am NOT…
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Once default has gone.......
Hey everyone, I have a couple of defaults on my credit rating, I'm in a DMP. They are due to come off in the next couple of years. Once they have gone what is the best way to build up my credit rating? Thank you
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Hidden form Electoral Role, Security
Hi Everyone, I know its all so important for reasons of credit scoring we are all on the Open Register, for the the Electoral Role. If not we can't really get credit. But what about those of us that have to be hidden? for reasons of safety of life and property? Rather unfair to attack myself and partner on that basis? And…
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Next Directory
I recently opened a Next Account but the don't ask how much you earn. How an earth do they decide if you can afford a credit account if they have no idea of your income?
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Anglian Water unpaid
I have a Halifax Reward account. I receive a £5 bonus each month. The balance is nil because I earn no interest. One of the conditions is that I have two direct debits. I transfer £14 each month on 21st to pay Anglian Water on 22nd each month. This has worked well for a while. I received a letter from Halifax today saying…
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Closing a 'zombie' store card account
I have found a Newday Store card on my CRF. I'm guessing this was once my Monsoon Store card which I haven't used since they withdrew their old card scheme years ago and it migrated to another provider - I presume Newday. The account shows as active because there is a £1 credit balance on it but it hasn't been used since…
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Credit cards and Connections
Hi all, Just a couple of quick queries really. Me and the Mrs are potentially looking at a larger mortgage in the future. We both have Noddle and both have pretty good credit files, no issues on them at all, but there's always room to improve! Is it worth closing credit cards or should you keep them open even with no…
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Late Default Entry
Hi, I have had an IVA since 2009, part of this IVA was two accounts with Barclaycard, I was aware in 2015 that one of the debts was sold by Barclaycard to PRA Group Ltd, I have just recently viewed my Equifax Report and noticed that both of the Barclaycard debts have been registered as a default in April 2015, 6 years…
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Please help!
I'd appreciate any help I can get. Feel like I'm banging my head against a brick wall. My partner got into a bit of trouble when he was younger with store cards. Nothing serious, basically two with Topman that he owed approx £100 each on. These were both sold to Arrow Global and they are reporting them on his credit…
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Someone elses credit file
Hi, Apologies if this is the wrong forum to ask this... it seemed like the most appropriate (happy for it to be moved if needed). My ex-husband moved out in 2008 and we divorced in 2011. We are no longer in contact and I wouldn't even know how to go about getting in touch. All I know is that he lives in Manchester (he's…
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Why am I not recognized when I do soft application searches
Im trying to shop around and do soft searches on my eligibility to get best deal on 0% balance transfers for credit cards. 3 sites including this one return saying cannot be found or eligibility not established or not enough info given? I have been chasing the big credit companies to add that I am on the electoral and…
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Capital One - desperate help needed
Hi Two years ago my partner was diagnosed with incurable cancer age 43. During a conversation with Capital One's foreign call centre, the lady asked if a payment plan may help our situation. She explained that there were two options. One with a harder financial pressure to pay the full amount after 6 months and close the…
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Vodaphone Issue
Hello I wonder if anyone can help. I have checked my credit file with Experian and found my score has been lowered due to Vodaphone putting information on that I defaulted on a £79 payment 4 years ago even though I paid the debt in full. There is no mention of the fact that I had a dispute with Vodaphone or any other…
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Why are is my Noddle credit score different to my Equifax score?
HI I have just signed up to Equifax for the 30 free trial, as my Noddle report was saying that I have a very bad credit score - in between poor and fair, and I couldn't really work out why as I have always paid my bills, credit cards, loans on time, etc, etc. However, I was very surprised with the score Equifax gave me -…
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Why has my credit rating gone down?!
Hi all I had a shocking credit rating about a year ago, so I got 4 direct debits set up to my name and a small credit card. I've never missed a payment (well above the minimum payment) and haven't missed any bill payments either. This month I needed to use my credit card (I usually only use it to top up travel card), so…
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Help with my clearscore data
According to it this is You have had at least one account in Default or Repossession (VIRGIN MOBILE TELECOMS LTD, VODAFONE LTD GEMINI and 3 more) At least one of your accounts has been seriously in arrears (VIRGIN MOBILE TELECOMS LTD, SANTANDER CURRENT ACCOUNT) Now I have never had a virgin or vodafone phone but had my…
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Virgin Media & Clearscore
Hope I am posting in the right place. I am looking for some advice regarding a problem I have with my credit score. I have subscribed to Clearscore. When I check my credit score it is mediocre, and there is a "negative factor" listed saying "relatively high telecoms balance", or words to that effect. That is the only…
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vodafone issue
In december i went onto a debt management plan with cccs now when i was trying too get this sorted i got a copy of my file for a couple of quid from equifax. All my debts i was able too find letters etc of who was dealing with them bar 1 ie Vodafone. They are a nightmare I have a debt on my credit file from Vodafone for…
