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Applying to raise credit limit / use of available credit
Good afternoon all, I wanted to see if anyone here could share their experiences on successfully getting credit limits raised. Having recently signed up to Experian to view my credit score / profile, two of the negative scores against me are; 1 - The maximum amount of credit I have on a single card is £500 2 - I have a…
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Defaulted current account on my CR
Sometime around 2009 I was financially over-extended whilst I lost my job. I couldnt afford to meet my monthly commitments and defaulted on numerous accounts. Fast forward to today, where I have done my best to come good and settled all bar one of my accounts. I earn half what I used to so was not easy. My final defaulted…
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Defaults
Hi all, I Have a default listed against my name on experian but does not show the same on equifax it says the account is also still open which it is not it went to a debt collection called PRA Group. but it appears they only updated my credit report in 2014 although the debt was from 2011. my question here is I want to…
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Paying an old default
Hi all Im wanting to improve my credit score and improve my chances of getting better credit. I have some small defaults around 4-6 years old. I'm concidering contacting these companies and offering payment to have these accounts settled. I realise the default will stay for 6 six years but wondered if my score will improve…
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Default/Settlement Date query
Hi, I am looking for some advice regarding my credit file. I was declared Bankrupt in Feb 2011, I am in the process of checking my credit file and I have a query regarding the credit card default/settlement dates that appear on my file. At the date of my Bankruptcy I had 5 credit cards, 3 of these had default balances and…
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Closed accounts appearing as open?
I paid off and closed 2 credit cards back in January, and a mobile phone contract also came to an end around the same time. All of these accounts are still showing as active, and money owing on my credit files with both clear score and noddle. Does any one know when these will be updated and shown as closed? I'm sure my…
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Contract phone at age of 18
I'm 18 in January and I am just wondering does anyone think I will get a contract phone in my own name in January, of course I will not have any credit history but I am currently on the electoral role, will this help? Has anyone had any experience applying for a contract phone straightaway when they turn 18, for example on…
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Water company - Default?
Good evening all, A quick question tonight: Can a water provider place a default on an account if the customer has offered a payment plan, and has not failed with the subsequent payments? Thanks to all.
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Paying a loan off in full I have only just taken out?
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Santander Check on My File
I received my monthly credit report yesterday and noticed a search on it from Santander with "anti money laundering " against it. At the time this was done I had opened a couple of new current accounts to put some savings into and had moved some money around for me to do this. I had received a couple of calls from the…
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Checkmyfile.com why so little mention?
I've heard of checkmyfile.com before but never bothered with it but looking at the site this morning I see they do a 30 day free trail and also that they provide multi agency reports. All sounds good in principle so why so little mention of them? Anyone know what CRA's they include and any reason to avoid them?
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Two Matching Entries on Credit Report
Hi, I'm hope someone can help... I've been looking at my credit report and can see two defaults on there, but these are the same default. One is the credit card company and the other is the debt management company that it was passed to. Is this correct? Or should the default only be shown for the debt management company…
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5 years since default. Pay it or leave it?
Hello, I have finally pulled my head out of the sand and I'm looking at sorting out some old debts that have crippled my credit rating for years. The one outstanding debt is for £3540 with Tesco Clubcard. The default was 5 years ago. I haven't contacted them or paid anything for 4 years. I now need to sort it and I was…
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Balance Transfer to an existing card
Dear all, Firstly, apologies if a similar question has already been asked. I have two existing credit cards. My Barclays credit card has remained clear for a long time and they have offered me a 0% balance transfer deal. My nationwide credit card has approx £2k on it and I would like to transfer it over to the Barclays and…
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Fairness for UK consumers in credit reporting?
Hi Can anyone tell me, does the UK promote accuracy and fairness in credit reporting for consumers? The US has, for many years, had the Fair Credit Reporting Act (FCRA) and I have been prompted to look into this as I am completely unable to change my credit report in a positive way. I have a very healthy income and…
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Any other methods to see experian credit file?
I have access to both noddle and clearscore to see my equifax and call credit reports monthly for free. But when I want to check my experian file I usually pay the £2 fee to see the statutory report. The problem with this is that I have to wait for a pin to be sent out by post before I can see the report online, last time…
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Equifax phone number not working !!!
Hi all. New to this forum hope someone can help. Trying to sign up to the equifax £2 credit report but they needed more information, thats great but the phone number they gave me doesn't work. Starts fine and they ask you to pick an option and every option they have I tried but just cuts you off !! Really want to sort this…
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Credit report, which is the most accurate?
Hello I have been wondering for a while which website or organisation gives you the most accurate credit report? I have used: Credit Expert Noddle Clearscore Each one gives me a different score... CE gives me a near perfect score and the latter give me a below average score? Can someone clear this up for me please as it…
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Wescot partial settlement.
Good morning, just wanted advise please on a possible settlement figure of a defaulted egg credit card. The card was defaulted back in 2006, the debt was sold, and currently sits with wescot, acting on behalf of arrow global Guernsey ltd-egg. I've been making monthly payments of this debt ever since, and I've been sent a…
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Does your address and number of credit cards effect your credit score?
Hi, At the start of the year I was refused credit- i have no idea why as i've never had any rouble getting credit cards before and not missed payments yet my credit score is ok? Does anyone know why this could be? I have registered with clearscore, experian, noodle, equifax and updated all my details including a high…
