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Easiest way to build credit score?
I know this is going to sound stupid, but can you get a credit card at all if you have no income? My son is on a gap year (he's not officially a student any more as has left college last year and not yet decided if he wants to go to uni) so has no income and we are supporting him. He doesn't need a credit card but I was…
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Ccj, credit rating and court hearing
Hi My husband recieved a letter a month or so ago, from a solicitors firm regarding a CCJ from 2013 which we had no prior knowledge of. All paperwork was sent to a previous address years after we moved. We didn't give our forwarding details to the company who believe he owes money to as we were not aware of any outstanding…
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Can this situation affect credit rating?
Hello, I asked my friend to get a sim only deal and he was very kind to get one for me. Unfortunately, I was not impressed with the network coverage in my area and had to return it back within 14 days so that he didn't had to pay anything as part of return policy. My friend now says that doing this favour for me has…
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Noddle
Evening all.. my noodle account was last updated in Dec 2015.. How do i contact noodle or how do i refresh my account as their website states thanks all
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Default Sum - Over Credit Limit
Dear all I have just received a letter from my card issuer saying a Default Sum has been applied because I exceeded my credit limit. Normally I well below the limit, but I have come close to recently due to a couple of large purchases including some flights. I called them this evening and they have refunded the fee and…
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Anyone fancy starting a petition about big businesses' use of the CRAs?
Hello, I'm new in these parts so forgive me if this has already been covered.... There seems to be a lot of posts which are all on a similar theme, ie big businesses' placing incorrect and unjustified adverse markers on consumers' credit files either due to incompetence/ poor admin (and then refusing to remove these) or…
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Financial Connection with Bad credit score
I am hoping to apply for a 0% balance transfer credit card shortly and although my credit score and information is okay, my husband's credit score is poor with a couple of accounts with defaults. I assume that credit card agencies will be aware of the financial connection and this will therefore affect my ability to obtain…
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Too Easy to Get a Fraudulent Card
My mother-in-law is an 89 year old widow and she recently received two credit cards in the same post that she had not applied for. They were nearly identical Nat West and RBS cards, each with £20,000 credit limit. The letters also showed several transfers of money out of about £18,000 in total on each card, which appeared…
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British Gas
From what I've read so far, a real credit report nemesis! I recently checked my credit report and discovered British Gas had very kindly marked it with a default. This occurred because I moved house, gave them my forwarding address so they could send me any outstanding bill and promptly forgot all about them I was reminded…
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Removing credit account I have never applied for
I ordered an item for £14 on 27/11/2014 from The Brilliant Gift Shop. There was an option to open an account on credit which I declined and paid using my debit card. Fast forward to April 2016 and I receive a random email thanking me for my recent credit application! First though was it was fraudulent so I telephoned them…
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Is is better to have a default on your credit file?
Hi I have an outstanding payday loan with PaydayUK on my credit file of £250 which I have never made a payment on, please don't judge me on this I got myself into a right mess 6 years ago and genuinely thought I was paying all of my debts off, they have never chased me for money. I recently signed up to Experian to check…
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Just Noticed a Vodaphone Default That Shouldn't Be There
I applied for a vodaphone phone last year. Was sent it, mistake on the bill straight away (the account was shut off because I owed £39 within two days of receipt of phone because DD hadn't been set up, I found this out when the phone stopped working). I immediately realised the nightmare stories about Vodaphone were all…
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Is this the right way to improve?
First time poster (well my second for tonight) but please help Basically I'm 3.5k debt and my credit file is awful. Default after default, and i'm still not paying anything at the moment. I have a CCJ against me as well. I am going to debt free in September as my first student loan/grant payment will be paying off ALL my…
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Does updating credit report affect credit rating?
I'm using my free months trial with equifax - I can update my credit report and score as often as I like? Can lenders see this? Is it bad to do it to often?
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Identity theft
Hi all, Sorry its in the wrong section but i cant seem to post on Citizens advice? I been a victim of identity theft and wondering if anyone can point me in the right direction to maybe a dedicated forum? Its been going on for years and i have joined a CIFA which is to prevent more loans etc taken out on my name but i…
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Anglian water
I have a dispute with anglian water I wanted to get some assistance with. I logged this via resolver Anglian water added my self as an account holder My wife has an account with Anglian water she is the person responsible for the property we rent and the account was in her name. she asked Anglian water to allow me to…
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Remortgage with a Default
Hi All, I have had a credit card account which was in default since 2014, however in January I paid this off in full. I am now looking to remortgage one of my properties into a buy-to-let deal (currently it is residential). My credit rating is fine in every area aside from this blip in 2014. I called my current lender who…
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Help/Advice please
Looking for some advice please as I'm going round in circles and after over 2 months of chasing I'm still no closer to a resolution. Summary of my problem is: *2014 I switched my current account away from Halifax to First Direct. *A glitch in the system left a deficit on my Halifax account of £6.96 *I wasn't aware of this…
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Credit Check for new job
Hi all, first post so let me know if this isn't in the correct section. So, I got a call today from an employer regarding an interview I have recently attended. The employer basically said I had the job, subject to a satisfactory credit report. They are sending me forms for this in the next few days. I am concerned as I do…
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Home Address
I left the family home in 2011 however I paid rent in cash and was happy for all of my mail to go there still. So whenever I did credit searches it went to the family home and I classed myself as still living with parents. Now I have moved out and pay a more formal rent with council tax and utility bills associated with my…
