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Slightly complex default question
Hopefully looking to get some insights please! I have a default on my account, which was last updated this month on my report: Account start date 24/09/2011 Opening balance £ 167 Repayment frequency Monthly Date of default 20/06/2012 Default balance £ 167 I had disputed the debt, following advised steps, asking for…
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When will a default disappear from credit report?
I've read in various places that a default will disappear off your credit report after 6 years. This is apparently irrespective of whether you've ignored it, paid it off, or are in the process of paying it off. This seemed too good to be true, so i did some further googling and got a very mixed bunch of answers. Here's my…
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Debt sold
Hi, I am paying off two old debts , one which has been sold to Lowells and another which is with Wescott. I originally thought that the Wescott one had been sold, but i have noticed that they've just been instructed by HSBC to recover the debt rather than them buying the debt. My questions are 1 - How long will it be…
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Advice on obtaining mortgage
Hello I am looking some advice on obtaining my first mortgage. I am a first time buyer, making a joint application for a new build. My partner has a completely clean credit history. I have a default of £125 from 2011, settled in 2012. I have a completely clean record apart from that. I have nothing outstanding on my credit…
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Problem with partners credit report
Myself and my partner are trying to sort out a mortgage. I currently own my property with my ex but want to change this. My boyfriend as a level 8 default on his credit rating. It is with lowell. They brought the debt from provident for over £400. However, it was my partners ex wives loan. He as just phoned lowell who say…
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Help! Vodaphone cost my house sale
am at the end of my tether with Vodafone. 14months ago I attempted to shut down a phone number with them. Called up to cancel the contract. Easy! a month later received a email missed a payment. Called explained I had canceled my contract and this was an error. "No problem we will cancel your account". another month passes…
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How are payday loans displayed CRA
Hi there, A while back I had a loan with lending stream and another with satsuma to cover a shortfall in funds the week before my wedding, seemed much quicker than running around the banks. Now I am far more settled with cash in the bank I want to apply for a mortgage, my credit file shows these as settled 'instalment'…
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Water Company Default
Hi I was horrified to find that a water company has registered a default on my Experian credit file in the sum of £185. I receive a large amount of junk mail, credit card offers, etc, etc. Some of the junk mail is addressed to people not even known to me. The default notice which was sent by post from the Water company…
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Drop in Credit Score
Hi My wife and I are trying to obtain a mortgage offer at present. She is almost 5 years discharged bankrupt. I've been looking for a mortgage advisor, but in the meantime just out of curiosity I applied for a decision in principle direct from Nationwide on their website, It was declined due to something on her Experian…
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Credit report
I recently checked my credit score with noddle. It was very poor. It looks from what I can see that there is two unpaid phone bills on my report. Would this be enough to leave me with such a poor score?
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Miss payment reporting
What makes a payment to a credit card show up as a missed payment on credit history? I pay one cc on 24th of each month (payday), each month on clearscore I have noticed the 'O missed payments' for the last few months and the 'balance' on each month is different to the 'current balance' Also the 'balances' don't add up…
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Changed address now I can't get credit?
Hi All, Can anybody shed some light on this as it's driving me mad. I'm a forces wife so I've moved alot (4 addresses in the last 3 years... to give you some idea). Anyway, signed up to Clear Score and my score is "good" right now. Applied for finance on some sofas back in Dec 2015 - got it just fine. Same with my car…
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Set aside CCj
Hey, I have just got back from court today, The claimaint, Lowell Portfolio didnt show up, which I assume worked in my favour. Anyway, I managed to get my CCJ set aside. :j I have been told I have 14 days to file a defence. So now I am not sure what action to take and what the process is now. I believe the debt is Statute…
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Closed debt account closed creating a negative
Without giving all the details and history I finally, after many years, settled a bank loan debt through an agreed payment plan directly with the bank concerned. This was settled and accounts closed back in Sept/Oct time last year. I have left it until now to take a look at my credit report, as much for curiosity as much…
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Equifax slow to remove 6yr defaults
Does anyone know why Equifax are slow to remove 6yr defaulted accounts from credit file. Had two defaults which should have come off this week 31/05/2010 and 3/6/2010 they are both off experian and noddle/call credit. Experian are still reporting them and a quick search suggests Equifax are slower to stop reporting them by…
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Preparing for a future mortgage application
My partner and I have had some rough patches in our credit history but we're looking to buy a house within the next few years. He is currently in a DMP but we are looking to clear off what's left within the next year as it's not that much anymore and with the DMP it will take ages! I have a 1 or 2 defaults, the latest…
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Using credit card to convert money - bad for score?
Hi everyone. I'm picking up some Euros today and wondered whether using my credit card to do this would be viewed in the same way as withdrawing cash, and thus negatively effect my credit score? Thanks
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Cancelling credit card application after credit check
I applied for an AA credit card and they've asked for some extra ID from me before they can make a decision. I'm fairly sure they've already done a credit check. I've decided I don't want to provide the ID, and I'd therefore like to cancel my application. However, I'm concerned that it might look bad on my credit file if…
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CCJ Mortgage
Hi all, First post..... Here goes!!! My partner and I want to get on the property ladder and have a few questions before we apply. I have a ccj for £150 (satisfied) from 2012. I have no defaults. I have a 2.5k vanquis card. She has 2 defaults from 2013, accounts are up to date now. Has anyone on here been able to get a…
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Welsh Water impacting credit file
Can anyone help, advise, I am at my wits end!! Desperatly in need of advice and to find out if this is a known issue. Basically DWR Y Welsh Water started recording on my credit file from Sept / Oct 2015, as of May 2016 they have updated the annual amount due on my credit file which is the total amount due for the year.…
