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head wall bang hurts.....!!!!!
After a severe alcohol addiction that got so bad I was given 4 days to live, most would say my life is back on track.... but oh no. CREDIT RATINGS have hit me more than that addiction!!! I have debts from the house that I nearly died in and following a stint in hospital, then 6 months in rehab followed by another 6 months…
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Need advice about building credit
Hi. I need a bit of advice, I am trying to build my credit score but no one is willing to give me credit. I have tried to sign up with all the credit report companies to see where I stand but even they can't give show my credit score they "don't have enough information" so how do I get out of this hole? I have had credit…
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Equifax/clearscore data issues
I held a subcription with Equifax which I ended in 2014, however before doing so, I contacted them to report a fraudulent association on my account which they duly removed and confirmed by letter. I have recently seen this association on my clearscore account which was not even open at that time! I have emailed Equifax…
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Sky packages and improving credit score.
Hello everyone!! I have been working hard to improve my bad credit score. 1 year later i have 3 catalogues and a capital on credit card with i keep a low balance and pay of more than the minimum amount each month to improve my score. I only use these products for improving my credit score and usually just keep the balance…
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IVA and a tax refund
My creditors are having a meeting with my IVA company on the 10th, to see if they will agree to me getting an new IVA. I had one previously but it failed, due to me burying my head in the sand after my husband's terminal cancer diagnosis. In the meantime I've just received an unexpected refund from HMRC. Do I have to…
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Stumped.. Need Advice
Hi, I'm 30 and my credit score is literally 0. I had a IVA which finished May 2015. I am in the process of saving to get my own house but I want to build my credit profile to help with getting a mortgage. With my NIL score I cant get even the simplest of credit cards to help me build it. Any advice will help! Thank You
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Improving my credit
Hopefully this is in the right place. To cut a long story short. Five years I was a heavy drinking chain smoking idiot. I cleaned myself up and being self employed I worked to survive for a couple of years while I dealt with the depression and anxiety. I then met a woman and things were great for a while until we split. I…
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Questions regarding bad credit, joint accounts and mortgages
Hello, i'm new to this and was unsure where to post it, sorry if its in the wrong place. I'm 23 and have been in a serious releationship for nearly 6 years. I have recently started a debt management plan with Stepchange to help get over my past debts. I was young and found payday loans, it got out of hand (stupid mistake…
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Capital Resolve - Notice of Oustanding Debt
Hi All, I've recently received a letter from JC International Acquisition stating that I owe Post Office Telecoms £103.72, and that Capital Resolve are now dealing with it. Bit of background... I had broadband and line rental from the Post Office about 5 years ago. They installed a new line but had not told me that I had…
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Credit Card / Direct Debit / Utility
I'm just about to get my first credit card. I've never had one and been quite proud that I have never had the need to have one. However. I want to improve my credit rating to ensure I get better rates in future and improve mortgage chances in the future. I don't want/financially need a credit card but it is one of the best…
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Orange Debt
Hi, Around 10 years ago my brother went into financial difficulties. He had afew defaults which has cleared after 6 years. His ex partner was using his Orange account. From his knowledge this was also defaulted. Total owed on the bill was £1600. He received his credit report and it showing active Orange account at his…
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Electoral registration and privacy
Hi I am new to these forums so please bear with me. My daughter has been a witness in a gang crime case which has seen some gang members with long sentences.... She is extremely concerned about other gang or family members finding her whereabouts on the Internet.... 4 years ago she was on the electoral register, the local…
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Has anyone had defaults removed from their file?
Hi all, After a bit of a battle with Santander recently, after noticing they'd been putting defaults on my credit file every month for 6 year (!!!!) they've agreed it was a mistake on their own part (long story) and are having them removed. On checking my credit file I've noticed Wonga and British Gas also added incorrect…
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Removing a Financial Association
My partner recently got his credit score, and found an old financial association on it. This dates back 8 years to when he was at Uni, he and his 3 housemates had a joint account with all their names on to pay bills. He believed that this account was closed long ago but apparently not as he still has a financial…
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Which bills won't improove my credit files
Hello, we're moving next week and I want to take all most worthy bills on my name to improve my credit files. Which bills won't affect my files at all? Like broadband etc. I'm thinking to take these bills: Council tax Electricity bills Gas bills Water bills What about broadband, TV licence? Thanks guys for help :beer:
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Does overpaying a loan improve your credit score?
Hi everyone My wife has currently got a loan which she consolidated her cc debt about 18 months ago. We are looking at getting a mortgage, but are concerned that her credit score will prevent us from being to do this. If she were to overpay her loan and pay that off quicker, will this boost her credit score at all? Thanks…
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Direct Debits & Credit Scores
Hi, I have a few questions I was hoping some of you could help me with. I am 27 and sorting out my financial act. I have a credit rating of about 550 which is pretty poor but I am taking steps to try and rebuild my credit. I have now got myself debt free (minus student loan) and I want to sort out my credit rating for when…
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Creditors after 6 years
Can someone just confirm that if I haven't paid anything and the debt is 6 years or more older, I don't have to pay it as its statute barred?? Only asking as I have creditors missing on all 4 credit reports requested. Thanks
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Creation - Default & Late payments?!!!
Hi all Just after some advice, if any, on how I can proceed with my situation... Here is the scenario: I originally took out furniture finance from DFS around April 2012. It was on interest free finance and the agreement was to be taken by direct debit from my joint (bills) account. It was for my new home where I was…
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Mortgage on credit report
I have just been accepted for a mortgage and we complete next week however I have just been told that the mortgage company don't report data to experian, they only report to equifax I'm trying to build my credit rating from nothing really as I have very little history. I'm just wondering if this would cause me problems…
