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H & M Not on Credit File
Hi Everyone, A newbie poster here :) I currently have a monthly payment account with H & M which I've noticed isn't showing up on any of my credit reports. Does anyone else have an account with H & M and noticed this? I'm wondering if this is because they are based in Sweden?
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Coop Credit Card
Just been accepted for a coop card as they have a good deal 24mths trf for a 1% fee gave i asked for £9.5k limit they gave me £4.5 , but said if i can send over a statement from a card that provides me with high limit they will look into it and might match. Never heard of this before not really bothered just got a few 0%…
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Should I pay off a 0% CC in full every month?
I've just signed up for a 0% credit card. I've just about maxed it out but have a healthy amount of cash in my current and savings accounts, accumulating interest. My girlfriend reckons that I should pay off the full credit card balance each month so that it won't affect my credit rating, is she right?
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£1995 Can Paypal affect my credit rating
Hi Guys, So here goes. Somebody accessed my paypal account and used multiple transactions to make payments to a company called "paytech international". I think it was somebody I know who guessed my password but I cannot prove it. I did some research and found out that the company is a trading name for party poker. I…
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cant switch to monthly energy bill
i cant switch from a prepayment meter (british gas) on my energy to a monthly one (id be saving ~£200 a year) due to them needing to do a credit check with Experian, as ive never had credit and own my house/car/phone out right (i have no debts) - i have a bad/no credit rating! British gas dont allow me to pay a full year…
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Vodafone rejected contract
My wife and I have been following all advice on MSE over the past year to get our credit scores in shape ahead of applying for a mortgage. In any case we have and have never had any debt, with the exception of two credit cards which we pay off in full every month. Our address are up to date with every company and we are on…
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Do credit reference agencies know your income?
Do credit reference agencies know your income? I know your current account gets reported to the agencies. But do they give them any income details etc.
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Is what we see on our credit file really what is seen in a credit check??
So thought I would pop on and have a little rant and warn others. Simply put.. the file you pay £14.99 for per month and shows you a lovely (although meaningless) score, I believe is not the same file that they share with any institution doing a credit check on you. As in do Credit Expert (Experian) show us one file and…
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Full and Final offer help
I have an outstanding debt, which defaulted in 2010 for around £1500. I received a PPI refund of £800 and offered the whole amount as a full and final offer to which I was responded that they could not accept it and would be unwilling to give me any discounts and want the balance in full. I have maintained payments at a…
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Santander vs Fusionx212
Hi All, thought i'd swing by with some goods news. I raised a complaint to santander using the Resolver service on the basis I had not received any correspondences about defaults and arrears on my account. back story being lots of running around after santander to prove my accounts, being told new day was responsible now…
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Does applying for credit cards affect credit rating?
Hello I would really appreciate any advice regarding my situation. I am considering applying for a 0% balance transfer credit card to transfer my debt from AMEX in order to save some money that would normally go towards the interest. Thus using the money saved from the interest to actually pay the balance is the plan.…
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British Gas late payment error
Hi, I opened a British Gas account in my new property back in 2013 and have never missed a payment (or any other credit payment). I applied for a remortgage and got rejected due to credit score being poor. So I looked at my report on Experian and was horrified to find it was down at 706. I looked closer and saw I had 4…
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Address Format & Electoral Register
We moved in December last year and one of the first things that I took care of us was making sure that we were registered on Electoral register. Got confirmation through within a couple of weeks, and more recently our cards for the local elections on 5th. Last week I was declined finance for purchase of a bed at Bensons…
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Getting a Credit rating after living away
Hi, we have been living in Canada for over thirty years but have now repatriated. We have a fantastic credit rating in Canada but with being away so long do not have one here. We are mortgage free and pay our bill by direct debit. We'd like to take advantage of interest free offers on carpets etc. but can't get accepted.…
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Dodgy email
Hi all I've just checked my junk folder for a password for something and noticed a text only email invoicing me for an amount that is the exact amount of one of my debts. It looked pretty spammy with no company name, just a persons same followed by 'head of finance' and I won't bother taking it seriously but just wondered…
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Lowell playing games
I had a mobile phone contract in late 2008 that it was agreed(still have copy of call) to leave early due to changes in contract in early 2009. In 2013 I was contacted about the debt from Lowell who claimed I needed to prove I did not owe money instead of them proving I do. After getting nowhere I got a printout which just…
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Keeping 999 score whilst renting
Hi, I have decided to boost my saving capacity for a mortgage by moving from a £1200/month (+ bills) rental to renting a room for 6months at a friends house for £500/month (all inclusive). My current credit score on Experian is 999. What tips can you give me to keep it that way? At the moment all of the bills are on my…
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OMG is this Good Old Britain gone mad.
I returned from a period in Spain on 23rd November 2015. Waiting for me was a letter from a debt collector. It would appear that I had gone to Spain and not finished paying for a dongle! I paid the £38 and asked that it be recorded that it had been paid. However, then realised I could not get credit and began the search…
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Do car Insurance payments affect your credit rating?
Do car Insurance payments affect your credit rating? My car insurance renewal is due soon, I've heard that paying yearly rather than montly is better for keeping your credit rating good, is this true?
