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Failed Credit Check
This is not as simple as the heading indicates... I am moving home soon and have been approved (1st time of asking and with my preferred company) for a mortgage; my credit score is rated as excellent on equifax. However, I received an email a couple of days ago from my energy supplier (first utility) telling me that I had…
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Recent Default on old current account with overdraft
Hi All, I'm new to the forum and just found out that a current account I haven't used for over 5 years has defaulted without me knowing. I got an alert from Experian, went in to check and there it was. It looks like what has happened is that the debt has been sold form HSBC to 1st Credit Limited. I called them up and asked…
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I have a good credit report but was rejected by vodafone
I'm new to this so sorry if my post seems stupid or there is already a question like this. I recently applied for my first phone contract with Vodafone. My order was referred and today I received an email saying that it had been rejected but they couldn't explain why. I used the website Clearscore with Equifax which gave…
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Trying to get electoral roll registration on my report
I have recently moved house and have had a mortgage approval for an off plan new build. I moved a few months ago (February) after selling my old flat, now in rental temporarily, but the mortgage application was made when I was at my old address. I need to have the mortgage offer extended (for the 3rd time, long build…
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Help needed - compensation offered
Hi all I'm hoping someone can help me, although this may be in the wrong forum! To give you some background information I have two defaults on my credit account, one from Lloyds and one from Halifax. These have been around since 2010/2011 when I knew little to nothing about credit reports and the effects they have. I wrote…
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Court of Protection
Hello, Apologies if I've posted this in the wrong area. I'm helping my GF with her application to become a court appointed deputy for her mum (who has advanced dementia). We have completed the necessary paperwork and sent this to the Court of Protection (COP). The information required with regards to…
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Getting information on debtors CCJ's
Some dear friends are owed money by a woman who has 5 or so other CCJ's registered to her name. I have found this information from The Registry Trust (kindly posted on here by another subscriber). I would like to contact these other people as I know this person has assets and am thinking that we may be stronger together.…
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CC raising credit limit, is this good news?
Hi All I got my first, post DRO, credit card a few months ago in order to improve my credit. I have spent set amounts each month and paid off in full. I received a letter this morning saying they are upping my credit limit from £600 to £1500, is this a positive thing? Does it mean that my score is improving? or should i…
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Repeating defaults Lowell
Hi, I am desperately trying to seek some advice to find out if i am misunderstanding reading my credit report (noddle) or something is seriously wrong. I got in to some mess a few years ago after losing my dad at a young age, I had some debt passed on to Lowell with whom I set up payment plans following doing an…
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Three Refusing To Remove Default For £20
My credit file shows that the payments on the two credits cards I've ever owned, plus the phone contracts I've had, had always been on time. Not a single payment missed, no money worries, always a comfortable amount of cash to hand. The only outlier: a £5-a-month data dongle I signed up for in 2008. I didn't use it but…
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Work - Credit Checking me monthly?!
Hi all, Just looking for some advice on credit checking from my company. (apologies if this is in the wrong place) Recently my company have advised they wish to check my credit file monthly. I do have good stable credit i am not comfortable with them checking each month my credit score, i feel this is far too intrusive and…
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How can I remove a false default please?
Last year I took out a mobile phone contract on ID network at Carphone Warehouse. I took the mobile phone home, ID network had no signal coverage in my area. I returned the mobile phone on the same day and they said they would end the contract, disconnect it. That was the end of that, or so I thought. Now a default has…
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E.ON and LCS
I completed on, and moved into a property on 22.04.16. Previous owner was with E.ON so took my start reads and and opened an account with E.ON. After a few days E.ON started sending letters to 'The Occupier' at my new address for an amount owed. I contacted E.ON and advised I was the new owner and I already had an account.…
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My credit rating halved by Vodafone, please help.
Hi, Im hoping someone will be able to help me, I don't know what to do and my frustration levels are at an all time high. On May 18th 2016 i checked my credit file and was shocked to see that my credit score had halved, it was saying i had an large outstanding bill for Vodafone to the tune of £540. I immediately called…
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Ccj, default and want a mortgage?
After some stupid decisions in the past when I was at uni then out of work I have a 4 year old default for 2k and a 4 year old ccj for 4k. I want to buy a house as I have been stable in work for 3 years and now earn an OK wage- 22,600 plus 3430 car allowance and also have a pay review at the end of the month. However I…
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Credit file entry
Hi a debt collection agency has agreed to write off some debt but not remove the entry on my file. What can I do?
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Settled accounts gone before the 6 Years expired?
I check my file regularly and know that I had a string of Payday loans that were due to start coming off at the end of this year and going on monthly for about a year or so from more than one provider. However, I just checked and most of them have already gone before I expected. There are still four from PAYDAY loan…
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Having a panic over rolling insurance
Hello All I have a mortgage appointment for a decision in principal on Wednesday that until about 5 minutes ago I was expecting to go quite well. I bought a home contents insurance policy in January 2015 for around £25. My debit card expired in the autumn of 2015. I received a letter in January 2016 stating that auto…
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Clearscore and equifax.
Hi, Am I correct in thinking the clear score get their information from equifax? I'm just wondering as equifax have not removed a ccj yet and clear score have. The RT was going to send all CRA the paperwork but apparently Equifax will no remove until I send the paperwork. Thanks in advance.
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Panicking too much?
I've lurked this forum and other sites over the last few months looking for tips on clearing my modest-but-high-interest credit card debt with a view to eventually being in a good position to finance a car on a decent deal. Had a bit of a shakeup last month when my old man handed me £5k to buy a car with, and after a week…
