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Lite credit check?
I am looking at applying for a lease car through my company & have been told they undertake a light credit check, what does this mean & if I have a poor credit score would I still be declined?! Many thanks :)
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default thats older than six years
hi, is there anyway i can find out if i defaulted on an old barclaycard account ( thats been sold on) over six years ago. i believe this was defaulted in march 2010? thanks
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DMP advice/help
Hi, First forum post i will keep it as short as possible. I have been in a DMP for approx 2 years with a current debt of around £8000 to different lenders. My debt came about from my partner losing his job and using my details to apply for numerous payday loan companies without my knowing until it was too late. He did this…
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Arrangement to pay marker - unfair?
Hi all, I have an arranged overdraft with Natwest that between February 2016 and June 2016 i did not make any payments into, just debits. So i had a call from Natwest saying that im required to make a payment of £10 into the account to show i am paying in still, which i completed, infact i paid £50. I checked my credit…
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Declined Barclaycard with spurious reasons
Hello, I'm hoping someone might have some advice for this puzzled card tart. Apologies for the tedious detail - I think it sets in context Barclaycard's poor explanation and my confusion. The essence of my problem is in the last paragraph for anyone in a hurry :j I've been a card tart as per Martin's advice for several…
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Ccj
Just a quick question regarding a CCJ. If someone has a satisfied CCJ from 3 years ago, is there any way of someone knowing what it was for? Is there a register or anything like that? Their credit file would show the date, amount and whether it was satisfied or not, but does it show who the debt was owed to or any other…
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High Credit a problem when trying to balance transfer
Hi All, I'm hoping you can offer some advice. I currently have roughly £7,000 in credit that I'm paying interest on over 2 cards. I have a further £1800 that is 0% until 2018. I'm currently struggling to find someone who is willing to offer me a 0% balance transfer card. My credit is clearly alright for companies to give…
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The electoral roll
Hey guys One of my negatives on my credit score is I am not on the electoral roll I have three credit cards vanquis, Aqua, and luma. This is all I've ever been able to get through the eligibility checkers. When it comes to these much better credit cards I cannot get them,could the fact I'm not on the electoral roll be…
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Shifting debt to 0% card I already have vs credit score
Hi everyone. I have a chance to move my debt from one credit card with 2.9% interest to a card with 0% interest- its a card I already have, so won't be applying for new one, but there already is a debt on this card which I am paying off regularly. Credit limit on that card is £11k, my debt on it is currently at £6.6k, and…
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APS Financial / My Cash Plus / Clear Cash Problems
Oh my, where do I start…?? On entering back into the UK after many years living in the US, I found I had zero credit history, so taking some advice online, I opened up a Clear Cash and My Cash Plus prepaid credit cards. The plan was to use this to help build your credit, they advertise this, so awesome… I applied for the…
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Non credit account on CRA's
Morning all, just wondering why banks now seem to report basic current accounts onto credit files. I recently opened a secondary bank account as a safety in case anything should happen to my primary (fraud, lost/stolen card). I opened it with Santander with no credit facility, just a debit card and enough cash in it for…
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£10,000 debt + inheritance. What now?
I am around £10,500+ in debt at this moment in time. Foolish decisions as a teenager means I gained it all rather fast and then have never really been able to afford to pay it back. I have come into some inheritance money, and it looks like I could pay off *some* of this debt. Friends of mine tell me that companies may…
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british gas default
hi have just had a default put on my credit report from british gas ..i have been awaiting a visit from them to fix/ install new meter as it had blank screen ..this was over 18 months period and was recieving inflated estimates...had two meter readers out who both said they would report an get someone out and telephoned…
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Fraud / Hard Search
Hi. I've searched and can't find any other threads or I'm typing in the incorrect search. So I was unfortunate enough to have some use my identity to get a loan out in my name luckily i didn't pass the search - However rang the company ASAP who removed added me to CIFAS - However its been 35 days and it's still showing on…
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HSBC Card application mistake.
I wonder if anyone can advise me. I'm a long standing HSBC current account customer and decided to apply for a credit card online. My application was rejected. I phoned HSBC and they effectively said I messed up my application (3 times) , so the points counted against me. Must admit that as a retiree, some of the boxes…
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paying off in full with wescott / lowell
Hi all, I recently got a tidy little tax refund and want to use it to pay off some old debt that i've been making monthly repayments on. If i pay the debt off in full is it usually the case that these debts will then be marked as settled? Finally, I wondered if anyone had ever had any success in negotiation a settlement…
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Debt from 2011 is being updated monthly on my credit report
I had a contract in 2011 with Virgin Mobile. The phone become faulty and I sent it for repair. Virgin Mobile said the repair was out of warranty and so they sent it back. Though I never received it and disputed this with them. The sent me the tracking details which shown it was signed for but this was not my signiture.…
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Credit check revealled unknown CCJ???
Hi:( I joined noddle (a free credit checker service) september last year, to my suprise it revealed my score was in the red "very poor" which is stange because I worked very hard to maintain my healthy credit score which I build up with the help of expearian in 2011/2012. When analysing my profile it displayed a CCJ…
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Motormile Finance Default Scam
Hi all, I've logged into Experian recently to check my credit score etc and decided to go into detail. I found that I have a debt which Motormile Finance have recorded as defaulted but they have updated the default date from 2012 to 2016!! I originally took the loan in 2011 which it still says is correct, it was defaulted…
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Cancelling with Equifax
IMO this company is very unethical. There is nowhere to cancel online, just a phone number that never gets answered and no contact email either. It's clearly designed to make it very difficult to cancel but I managed it today so I hope this advice helps! Afer ages searching I finally found an email address which is:…
