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credit report - AA - in arrears
I have a credit card which for the last 3 months (Dec-Feb) has stated AA/in arrears even though I have made payment. Feb states £0 payment and the report was last updated 29/02/2016, Feb also has '2/AA'. The status for the card is 'late payment'. Does that mean that payment was received late those months or that I haven't…
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Improving Credit Score
Hi, To start with I will admit that I was a bit reckless with my finances in past and was not thinking forward. That was up till 3 years ago. Since than I started handling finances a bit more carefully. My current Credit score with Call Credit is 855. I will be applying for Mortgage in next 8 to 10 months and got decent…
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Improving credit
Is there anything else I can actually do once I've paid my last default off to improve my score or is time the only healer? Had some minor defaults and more or less paid them off.
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Multiple Current Accounts and Mortgage application
I currently have a BOS Staff Current Account and a Halifax Reward Account (which I opened end of January ). I am starting to build up a bit of excess in my current account and I want to open a TSB current account to benefit from the 5% rate they are currently offering. I am actively looking for a property and currently…
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Experian report: "delinquent" credit card with balance of £7.88
I'm currently reviewing my Experian score, one of my (I believed unused) credit cards is classed as a delinquent account because last August (August 2015), I topped up my Skype credit not realising that this credit card was attached to it. The original charge was £7.24. Since I did not pay the balance, I have paid interest…
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Credit Expert
Hi When I sorted out my mortgage both my wife and I setup a Credit Expert account. I cancelled mine shortly after, however my wife forgot to. Anyway a couple of months ago she had a new card, and I noticed they are still taking the monthly payment on her new card. She has not updated her details with them and this is a…
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Help! Default Dates & Statute Barred
I have recently started checking my credit file and I have noticed that there is a default that has been given by an energy supplier from a flat I lived in almost 6.5 years ago. While I appreciate that I should have paid this bill, I relocated from Scotland to England an other pressing matters took priority and over time,…
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Debt collector letter
Hi, I have been receiving letters from a company called lowell finance limited about a debt for £193. The debt has dropped off my credit report in 2015 which was default. I contacted the company stating to prove the debt stating that I don't acknowledge anything and that it is statue barred. These t a letter back saying…
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Paying Car Finance Early
I have 2 years left on my car finance with Barclays and want to pay the settlement fee in full. 1. If I pay the settlement fee will this affect my credit score? I am currently saving for a House deposit so don't want to ruin my high credit score. 2. Will I be allowed to pay the settlement fee with a credit card? I have a…
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Does non payment of any bill lower your credit score?
Hi, I'm in a dispute with a web hosting company for £30 (long story). They've hired a debt collection company who've been calling me, they say if I don't pay it will lower my credit rating. Now I don't want to screw up my credit rating for the sake of £30 but I also think they are just trying to bully me into paying. Will…
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Confused about credit report information
Hi all, I'm slightly confused by the information on the report, was due to get myself to CAB today but have been poorly so I'm home attempting to tackle it but I'm a bit lost. On a number of my Lowell accounts it states last updated July 2014. For one it says default in 2012. But as it doesn't show the last payment date on…
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False Default on my Credit File and Debtor Refusing to Remove
Hi guys, Long time user, first time poster--please forgive any mistakes. I'm financially in a pretty good and stable position right now, happily chipping away at all of my debts, money going into savings and so on. I'm 26 so I'm at an age where I'm really starting to plan for the future and trying to get all my ducks in a…
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County court action stayed! Help
I had a small credit card debt which defaulted in June 2010. Two months ago (4 months before statute barring kicked in) Cabot financial decided to take me to county court for the debt. I lodged a defence against their county court claim and they have failed to respond to my defence. The action has now been stayed. Does…
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Credit agreements RED???
Hi all, Had a look at my equifax credit report, while going through the process of trying to purchase my first house. I have 3 bank accounts, and a credit card of £250 which has been paid of at the end of any month that I've used it. 2 bank accounts are all green and 1 has 3 months of an agreement to pay ( I have since…
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Ikea kitchen credit application
Hi I'm really sorry if this is the wrong forum, but I couldn't figure out the best place to ask this. Basically we are buying a new kitchen from ikea to help sell our house. We could buy It outright if really needed but we are planning on applying for the interest free credit option to spread the cost out. We are moving…
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Switching current accounts.
Apologies if that has already been covered, but I've been considering switching my current account for a while now as I think there are better deals to be had elsewhere. The question I have is... How much will this affect my credit rating? I know on experian etc that length of time with bank is a factor. I'm hoping to buy…
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All accounts have disappeared from my Equifax / Clearscore credit report
I checked my Equifax credit report yesterday and was surprised to see that my credit score had dropped from Excellent to Poor over the past month. Looking into the details of my new report, my bank account, two credit cards, and mobile phone account were no longer on the report. This is particularly annoying, as my mobile…
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CCJ in maiden name only just managed to pay in time
Hi I am in the process of paying off small debts on mine and my husbands credit file we both had stupid mistakes from our younger years which have prevented us getting a mortgage this year :( o have been advised to pay off anything and improve our credit. Anyway I moved and had recently got hold of a letter from 2…
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Credit file companies?
Hi guys and gals, I'm a long time visitor, first time poster to the forums, and hope you all can offer some advice. Shortly after Christmas, out of desperation I stupidly applied for a loan online, the loan application was turned down. Now, when my wages were paid in February, a company called "ldc*credit-desk.co.uk" had…
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How to find a ccj from 2008/2009?
Heya My other half is going through in depth vetting at their new job and one of the questions about me is about ccjs and bankruptcy, i had a ccj against me in 2008/2009 so its now not only paid off along with the rest of my debts at the time but i'm back on track and have a decent credit score. The things is i dont have…
