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Building credit store & when to apply for credit
Hey guys I've got some defaults on my credit file from 2011, which will drop off in about a year. I thought having these would mean no credit at all, but a couple of months ago I got a Barclaycard 'Initial Visa' (one for bad credit) with a small limit. I've spent small amounts on it & paid them off in full the last couple…
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Improving Credit & how to pay credit cards
Currently have two credit cards, a barclaycard initial and a capital one. I was mainly just paying of here and there on both accounts and not managing them properly, always making the minimum as theyre all direct debits on both accounts for the past year or so. However my credit is still quite bad i have a CCJ nearly 5…
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Improving Credit & how to pay credit cards
Currently have two credit cards, a barclaycard initial and a capital one. I was mainly just paying of here and there on both accounts and not managing them properly, always making the minimum as theyre all direct debits on both accounts for the past year or so. However my credit is still quite bad i have a CCJ nearly 5…
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CC Eligibility Calculator
Hi all, New to the forum but not the website, used it for years for tips etc and get weekly newsletter too, I was wondering something, I used the eligibility calculator to check some cards for eligibility for balance transfers and when it was through it gave me a list of cards which all said accepted but underneath said…
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Trying to rebuild credit, EE debt holding me back!
long story cut short I was silly enough to take an iPad out in my name for an ex, didn't pay it when he did one as I was young and credit score didn't mean nothing to me - however NOW it does. I have a credit score of 164/700 and although I have 3 credit cards (vanquis,luma,Aqua) and 2 phone contracts (o2) I find it…
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Asking credit card company to withhold payment - impact?
Hi everyone, I recently bought a flat in London which I am currently refurbishing, and given all the expense involved (including spending £1000 on a bed) I decided I really needed to cut back on the sofa, and so ordered a £500 three piece suite from sofasworld (aka Worldstores). Long story short, they delivered on time as…
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Defaults etc kept on file for up to 12 years
Not sure if anyone else has seen this yet. I wasn't aware that Credit Reference Agencies could keep data on file for that long! http://www.thisismoney.co.uk/money/cardsloans/article-3698235/Credit-agencies-keeping-black-marks-borrowers-files-12-years-meaning-millions-turned-loans.html
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Repair Credit Score
Hi, I have read that your credit score can be repaired within 6 months if you make regular small payments per week to your creditors others say upto 2 years to get from 0 to 950+ Anyone repaired there credit if so how long has it taken and what methods did they use? Thanks.
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Avoiding paying interest on credit card
This is probably a stupid question, but if anyone can help me out, that would be great. I have just taken out a credit card to improve my credit score, and Martin advises to repay in full every month to avoid paying interest. Does this mean that I need to repay BEFORE the statement arrives? Thanks in advance.
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Settled account with balance but debt paid in full
I started a DMP 6 years ago which I have just completed with a lump sum full payment. I'm now trying to repair my credit score to get a mortgage (eventually) and wanted to check if this is a significant issue. My largest debt appears to have been marked as settled back in 2012 but has a very large balance associated with…
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Bank account missing from Credit report
Hello everyone, I hope someone here knows how to resolve this issue. I have a current account which has been open since 1999 however it doesn't appear to show on my clearscore credit report, although other accounts (loans, credit cards and current accounts which were opened after the original current account), I have…
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credit footprint can't be found
Can anyone help? I’m trying to get a mortgage, however the money lenders are unable to find a credit footprint for me. I’ve been living at the same rented house for the last 12 months; previously I was out of the country for 9 years. I’ve had bank accounts, credit cards and mortgages in my name since the late 80’s. I…
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Taking Experian to court for refund of statutory fee (£2)?
Firstly, not really sure where to post this. Its about Experian so obviously credit file worthy ish, but its more of a contractual/consumer dispute so may need moving. I went through Experians website to request a copy of my statutory report. I have done this before and received a password to log in and view it online but…
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Statutory report
Hi, I need my statutory reports to check my lenders etc. Ive applied to call credit but when I try experian i can't order it as I had a free trail with them and they want 14.99 to start it again. Can anybody help me get my statutory report from them? Thanks
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Ccj
Just hoping someone could shed some light, I had a CCJ against me in which I have finally paid of, I spoke to the company and was told its satisfied on checking my Credit Report it has the CCJ marked as discharged, is this correct, or should it be something else, if it is discharged what does this mean. I am aware that the…
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CCJ conundrum advice and perspective needed urgently
HI All I'm trying to rent a property. I have been very attentive to my credit rating of late since I found out i have to leave my current home. In 2009 I was apparently awarded a CCJ via Lewis group and my County court business center for personal debts. Having signed on to Experian this year I have found no mention of it.…
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Experian and Middle Names
Dear all I have paid £2 to view my Experian credit report and I am quite horrified by how wrong it is. There are 5 different versions of my address, each one slightly different and one with a random road name in it that has nothing to do with my address. Also none of my recent credit is showing. I have a 10 year mortgage,…
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Cfo Default
Hi, just wanted to see if i could clear some things up regarding an impending cfo default.I was originally defaulted in 2012 , seemingly correctly to me.Had some nastiness off them and left the debt alone (around 1200). I complained and they gave me redress for threatening comms. and stated they inaccurately placed a…
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Credit Score And Electoral Roll
I use two sites to check my credit score Noddle and Clearscore. the problem is that Noddle says I am not on the Electoral Roll but Clearscore says I am. I have checked and compared my home address on both sites and found that Clearscore includes the county in the address but Noddle does not. This problem became apparent at…
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Lowell Default woes!
Afternoon all, I have some issues with Lowell and was hoping you guys could help out. First up a little history. 5 years ago I made the decision I would tackle all my debts head on and get everything paid however long it took. My total was roughly £15000 and seemed insurmountable. 5 years later I now have 2 payments until…
