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Partial Settlement, credit rating and 6 years
Hi Basically I'm aware that my credit rating hasn't been great over the years but I was surprised how poor it was. At 27 I'm getting to the age where I'm becoming disheartened regarding mortgages etc. After doing the usual research of signing up to see my credit reports I've noticed that Nationwide have put a partial…
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Credit Report - "Dormant Card"
Hi Everyone, I am in the process of really knuckling down on my finances as i hope to buy a house in 3 years time (the goal i have set myself) Im 25 now and am trying my best to undo all the silly things i did when i was younger (payday loans, going over my credit limits etc - which i haven't done in about 5 years) By the…
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Noddle score of 551 :-/
I know the score is kind of useless but it gives a rough idea of how things are. Has anybody else had a score this low? It seems terrible
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Improving my credit rating
So I logged into experian and I have a credit rating of 438 IE very poor. I have 3 defaults and 1 ccj all down to an ex who spent all our money :-( So I'm wondering how to improve my credit rating? Is it worth paying off the defaults? I'm reading mixed reviews that it won't actually remove them just zero them my total…
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Shop Direct Credit Limit
Does anyone have an idea how long you need to hold an account with Very/Littlewoods before they start in increase limits?
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Credit score
Hi, I need some advice about my credit score. A few years ago my husband lost his job, this put us in debt & we ended up in an IVA. We are now a few months awAy from the final payment, during the IVA I have never defaulted on my mortgage payments, we have lived in the same house for 20 years I have had the same job for 20…
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Electoral roll, change of address and mortgage application
I have a mortgage application made for a new property which is being built off plan. I sold my flat in February and am living in rented accommodation. I may well need to reapply for my mortgage as it is expiring just before the expected completion date, however I am concerned that whilst I had a good credit rating at my…
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Fraud on credit score??
Hi, I've signed up to clearscore to access my credit score and my partner has tried to do the same. When he got to the part where they question you about your credit history (e.g. you took a loan out in 2009, who was it with?) all of his questions were about mortgages but he has never taken out a mortgage! We tried…
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Need Help Please Credit report cleanup
Hi I was declared bankrupt on 05/02/2010 and my discharge date was 05/02/2011 just got my credit report from Equifax : Terms 0 @ £ 0 (Monthly) Status Settled Current Balance £ 0 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 0 Start Date 12/09/1990 Date Updated 19/07/2011 Date Last Delinquent Date…
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Poor credit rating same address
I have a very bad credit rating with loan defaults on it, a relative of mine who lives at the same address had applied for a new credit card today at the bank and were declined even though they have a perfect credit rating, the person at the bank told them that someone with bad credit rating at their address can cause…
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British Gas Default...PLEASE HELP!
Hello everyone, I'll apologise now for the length of my post but I really would appreciate it if you could take the time to read and give some feedback. Back in 2012, whilst at uni, I moved in with a close friend. To avoid confusion I took out internet and water in my name and he registered the gas and electric. After I…
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Default for address I've never lived at now "satisfied" not removed
Hello, back in March I checked my credit score for the first time in about 18 months and to my horror it had plummeted considerably. I checked my credit report to find a British Gas account had appeared for an address I've never lived at. The account ran from July 2011 until mid 2015 and was horridly managed, very few…
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CRA's and Flat Address Variations
Is there a recommended way of approaching address variations with the CRA's? For the electoral roll, my local council uses the convention, eg 1F4, 10 Quality Street, so the 4th flat on the 2nd floor, building number 10. The post office use the more commonly seen 10/8 Quality Street, so building number 10 and then the 8th…
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ClearScore Madness
Hi, Please can someone offer me some advice. I have been trying to up my credit score and have been using clearscore to help. For the last couple of months its be steady on 517 out of 700. I have since settled an account and just have £200 left on my credit card. the only other loan i have is my mortgage. Anyways I eagerly…
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Council Tax Issue
Firstly apologies if this in the wrong place, I would have put it in the CAB thread but this is now closed and I couldn't find anywhere else suitable. The issue concerns Council Tax and my mother in law. About 10 years ago she divorced her husband who has severe MS and he stayed in their jointly owned house but it was…
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Wonga Loans & credit score
Hi there, Around a year ago now I was in quite a poor situation financially, I was living out of an arranged overdraft and over the space of a few months took out around 10 Wonga loans. All of them were paid back completely on time and I never had any issues, and aside from this my credit rating is overall relatively good.…
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HELP!! How can I get my credit score to Good?
My credit score was massed up about a year ago when I accidentally missed three phone bills in a year, and HSBC closed my current account in a sudden. Then I applied to Santander for a current account in June 2015, but they rejected me said my "Credit score is not high enough". That was the first time that I heard about…
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Obtaining Credit
Hi everyone!! Recently I have been trying to obtain credit, from an online retailer in the hope of purchasing something on a 'Buy Now Pay Later 12 Month' option, while I applying I noticed I was rejected, I immediately went to Experian and signed up for a free credit report (As I have never obtained or had ANYTHING on…
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Car Leasing Issue
Hi There, I've for many years up until February last year leased cars on personal contract hire. Around that time i had some issues with my business getting into trouble and ended up with quite a few late payments on my accounts. I also had an issue about 4 years ago now with a MBNA card, which was 4 payments late due to…
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Xcercise4Less contract/minimum term dispute
Similar issues to person in this thread https://forums.moneysavingexpert.com/discussion/5336679 Difference being I cancelled within first 2 weeks which they claimed to never recieved, but they have a strange cancellation system, you need to contact the manager (though website seems to now have a option to do so there) but…
