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Aqua credit card and Experian
I've had a credit card with Aqua for the last 8 months. The account shows up on my Equifax and CallCredit files, but not on Experian. (The Barclaycard and Halifax Clarity do show up on all three files, so this aqua account really is an aberration) I've asked Experian about this, but they said that they will only look into…
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Possible ot remove defaults from credit file
Hi, Does anyone think they may be able to help me out with a few questions regarding removing defaults on credit files. Ive read somewhere on the internet that its possible to remove defaults if they are under £500.00 by using the 'sympathy strategy', has anyone had any success with this? I have 4 defaults (all…
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Does Opus Credit Cards Hurt Your Credit Score
Hi, I have an Opus credit card with a Balance Transfer for life of around 5% on it. This card was original my Shell Credit Card, who sold it to another company and who then sold it to Opus. So the deal is great, but the normal APR is around 48% and I have heard that just holding one of these mega expensive cards is very…
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Debt paid off, still have terrible credit?
Hi, To cut a long story short, from being 18-21 years old (I am now 25) I ran £4000 worth of debt up, I ignored letters, phone calls, moved addresses a lot until early last year when my nan so very gratefully took me a loan out to pay them all off which have now been defaulted on my account. I am now ready to grow up and…
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IVA Satisfied - One Creditor Still Updating Credit File
My husband settled his IVA with a lump sum payment 2 years ago (it was originally taken out in 2012) and we have just received the certificate to prove that the matter is now settled in full as of Feb 2016 - there was a delay in wrapping things up due to a PPI claim they were attempting to make even though he never had any…
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Confused about Identity theft
In March I discovered that a card had been taken out with Amex, using my name and an old address. I used to have a card with Amex, but they had my new address, and had been writing to me here, since I moved in 2011. The card was approved in January this year, and ran up £8k+ of debt. Amex have admitted the fraud and that…
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Default issues and removing from credit report
Just applied for a mortgage and been declined by some and only accepted by Halifax with 15% deposit only because I have a default on my credit report which I don't think is my fault. Basically had a loan, went on maternity, called them to see if I could pay reduced for one year, later on in agreement as I have been paying…
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NRAM updated credit file incorrectly.
Hope the following makes sense. Made redundant Feb 2010 and ended up going bankrupt (both myself and wife) September 2010...discharged 2011. Due to illness couldn't work from 2010 to 2013,DWP stepped in and paid intrest on Mortgage each month,from early 2011. Nram (Northern Rock) have incorrectly updated my credit file to…
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Will this show on hubby's credit report?
We received a car park fine for overstaying in a free car park from Euro car parks. It is in my husbands name even though it was me that parked the car and over stayed while shopping (I genuinely had no idea there was a max stay!) We took the advice from several people and ignored it. I have no had a letter addressed to my…
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Default
Hi guys, I had an old HSBC account during my student days with an overdraft, i switched accounts and due to stupidity just left the overdraft. The overdraft was eventually cancelled (£549 outstnading) and HSBC wanted all the money from me. During the time this happened my father passed away and i was in and out of the…
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Late Payment (not my fault) how badly will it affect me?
I had an incorrect £100 charge on my Vodafone bill, which was taken off but the advisor also cancelled my direct debit just in case it didn't come off in time, and advised me to pay my bill manually. I have never ever missed any sort of payment in my life and was not intending on starting now, so: (bill was due 15 April)…
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How Long for CRA to update Default Status?
Hello, New to the forum here, but have been using MSE articles for many years to help get myself debt free, so thanks for everyone's help! I've been suffering the consequences of some defaults I picked up circa 6 years ago but these are all due to come off my credit file (at last!) over the next couple of months. I have a…
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Wc shopping club.UK.com
I have had a charge for £19.90 leave my account. The bank told me its a payday loan or credit reference agency but I have no idea who as I don't have a payday loan and haven't applied for one. Can anyone shed any light in who they are please. Thanks
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Building up credit rating with a satisfied CCJ
Hi, I'm new to MSE so sorry if this has been covered before. I want to rebuild my credit rating, so that in the future I am able to apply for a Mortgage after my CCJ has been removed from my credit file. I understand from what I've read so far that a score is not important and companies use algorithms to work out whether…
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Overdraft
Hi guys, I'm on a long term mission at the moment: debt free by February 2017 (8k to clear), and 12k mortgage deposit to be achieved by Feb 2018. I've had lots of positives occur over the last year - namely a CCJ dropping off and 2 defaults from a time when I badly managed my finances. I have a 3.2k credit card (currently…
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Mortgage Preparation & Credit Cards
I am trying to prepare myself for switching mortgage, current deal runs out end of November. Between my husband and I we have about 6 credit cards, all have quite high credit limits and all but one are zero balance, we have about 1K on that card which is interest free. I have been reading and re-reading and just getting…
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Do closed accounts show up on credit file?
Hi, I have a closed account which has a status of "satisfied", does this show up when a credit check is made? It was defaulted on 01/02/2011. Thanks
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Credit score goes down after default drops off.
After checking my credit file. I have found out my credit scored has decreased by 4 after a default has dropped off my credit files. The reason being. The age of my credit files has now decreased in length of time I have had them open. Just another reason why EXPERIAN credit score is useless.
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Call Credit can't find me ! URGENT
Hello, I am French and have moved to the UK 2 years ago : April 2014. I have been living in my apartment since then, and have had a bank account since then too. I am currently in the process of trying to move and have made an offer for a flat. The agency uses a referencing company : Rent4sure, who in turn uses Call Credit…
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Unfair default
Hi all In Aug 2013 I called up my credit card provider( opus ) to ask them to if they could reduce payments on my credit card account as I was unwell and would be off work for a year, about two weeks later I got a letter from them stating that the remainder of my balance had been written off and they now considered my…
