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Quickest way to remove missed credit card payments from file?
I've got two stupid missed credit card payments (under £50 total) on my file from early 2014. They were settled in early 2014, too. I'd kept this credit card (which I don't need) open because I thought this would remove them from my file more quickly. However, reading around now I think I may have been mistaken. Would I be…
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People trying to get credit at Gran's address
Hi, my Gran was recently taken into hospital after a bit of a downturn since having a stroke. She will be home fairly soon thankfully. My wife and have been to her house to clean it before she comes home. I found some mail addressed to two other people at her address and opened them. Both of them were for new look store…
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Help me get rid of this default! (Telecoms)
Hi all, I just thought I'd come here for a bit of advice and to tap into your experience and knowledge base. I'm really up against it with a default from Virgin Media for £162 that has just approached 3 years old. It's a pretty major blemish on my credit history that I've been trying to improve over the last few years, but…
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Natwest current account - hard search
Beware of opening a current account online. Recently opened a basic account, with no overdraft facility and they've done a hard search on my file/ Have sent a complaint through, but upon looking at their forums, it seems to be the rule rather than the exception. Not sure what the outcome will be, but to avoid the situation…
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No bills to pay, use credit card or not?
Hello, I'm living in UK for 1 year and something, the only bill which I have is my rent. I got a credit card already and wanna know what is the best option to increase the credit score, use it or just let it be till really need? I have been told if I got the credit card it could be better to do not use it if I don't need…
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Multiple capital one searches
Me again. I know I'm a pain... While checking my noddle file I noticed that capital one has searched me monthly for the last 4 months?! I have no idea why. Would they have had to ask my permission? I made two applications recently and both were accepted I know that this will impact on my score however I can't understand…
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default date vs settlement date
hi all, this may have been covered before, in which case apologies, however the advice on the internet is not clear (surprisingly). Yesterday I received a letter from Lowell offering me a 60% reduction in a debt i owe if I take up a payment plan with them. the debt is for £88 and they are offering the reduction to £30ish.…
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Credit expert query
Hi, I have just checked my credit file, the number has decreased but I've been on here enough to know it is irrelevant, however I've paid off my card balance and my very account however neither of these are showing. I don't need to apply for credit or anything yet.. But I would like these accounts marked as settled. Should…
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Renting with a recent CCJ
My marriage is breaking down due to money problems caused when my husband lost his job. We are looking to sell our house (no children) but I'm terrified I won't be able to find a rental property due to poor credit. (I know I have no chance at a mortgage) We have a lot of joint credit card debt which is defaulted, 1 of…
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Advice Please applying for Credit Card
I applied to pay by instalments for an iphone via the Apple website, the financing company is Barclaycard. I'd been instore and was warned that credit applications are often queried for further information. I applied online and at the end of the application it asked for the last 4 digits of my current account (i had…
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Next credit application.. Gone wrong.
Hi, I would appreciate your help... I was buying a jacket from Next online and at checkout it says 'get £10 off if you sign up to a next account' I did so, intending to pay it off in full. It did a credit check but it declined,there was no reason why so I tried for a second and third time. After this it wouldn't let me…
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So glad to see Martin also put debt issues linked to mental healtg
Having lived with someone who suffered depression which I did know it has put my child and I under duress. I never had debt or other issues previously. With no savings and no access to credit in case in emergency I can say we have really suffered at times.about time this came to light.
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Arrangement plan listed as default declined a mortgage.
My husband and I applied for a mortgage today. We only have a 5% deposit, our brokers applied to the Halifax and it was returned as NOT accepted but NOT declined 🤔 We checked out credit files before hand which are all green. There is 1 late payment on a gas bill (which is incorrect) but there is red late payments on my…
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Conflicting addresses from council and royal mail
Hi. I recently moved house and have been updating bank/utilities etc. All fine. I came to updating the electoral roll as I want everything to be the same as I'm trying to improve my credit score and the council's address for my flat shoes a different road name to that of Royal Mail and all online shops etc when you put in…
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Arrangement to pay on credit report
Good evening all, I am posting this in the hope some one could give me some advice. Last year i changed jobs and was struggling with paying back my credit card (i did pay, i did not miss aything just made things tight), i asked for some help from Santander for a few months and they froze the interest and offered me the…
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Support for Mortgage Interest and credit score
Hi, I am on benefits, including income support, and qualify for Support for Mortgage Interest. I am fortunate to get a good amount of child maintenance, so I have been continuing to pay my mortgage in full myself and it is affordable. I am concerned that if I claim SMI, it could affect my internal credit score with the…
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Vodafone Default
I have a default on my credit file, default date of 1st Feb 2012, from Vodafone... In my stubbornness, and my belief that no company should ever get away with stealing from / lying to customers, I stood my ground when Vodafone were claiming that I hadn't cancelled my contract with them... I had:- - September 2011, a few…
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Cancel cards to improve rating?
Hi all, My husband and I are both 31 and currently living back with my parents at the moment in order to clear debt and hopefully get a mortgage. We were surprised to find out recently that my father in law had decided to give us 40k! We've used 20k to clear credit cards(2 each) and catalogues and now all we have left is a…
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Bank error
I registered with the three credit score agencies recently and spotted a red flag on one. Eventually I found out what it was - an "arrangement to pay" on my bank credit card dating back to 2013. The other two agencies had records of this also. My bank apologised when I rang them and removed it. They can't explain why the…
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Credit rating/score getting lower and lower...
Hi there, Can someone/anyone please give me some advise on why my credit rating is getting lower and lower, month on month. A bit of history... My score about 6 months ago was around 600, which wasnt great, but since then I have managed to sell my house and clear my mortgage and long term debt (the deposit) against it,…
