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CCJ - solicitors cease to exist
Hi, I recently checked my credit score and to my shock I found a ccj dating back 4 years for £608. i had no idea what it was for so called the court from which it was issued. Unfortunately the solicitors no longer exists! I'm now unsure as to what I can do, I have the money to pay so it's very frustrating. Any advice would…
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Reporting to CRA after default drops off
I had a default placed on my credit report on 4th February 2010 which has subsquently dropped off after 6 years. However, the same debt is now listed on my report as date satisfied 13/1/16 and marked as 'Debt Assigned - the account and liability has been transferred to another company' I have no problem with accurate…
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Third mortgage application in a week - what are the consequences
Hi! I suspected my credit file was updated and to check, I applied for a mortgage with a high-street lender. The application was accepted. Later that week my wife and I both applied and were approved for a joint mortgage by the same high-street lender. However we are considering putting in a third application now (due to…
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How can I find out what the details are of CCJs in my name?
Hi this is my first post so hoping I get this right!! I have 2 CCJs in mine and my husbands name from 2010 and 2012 and the terrible thing is I don't actually know what they were for. We can see from our noodle credit reports they were cleared within 2 months of being lodged but all we have to go on is the case reference.…
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Credit cards, loans, and credit ratings
Hi, My 0% period has ended on my credit card so I'm looking at transferring the balance to another 0% card. I'm also wanting to take out a car loan in the next couple of weeks. My credit rating is good, but will getting a credit card now affect my ability to get the loan? Thanks in advance, Paul
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Help needed for credit check issue
Firstly can I say that I wasn't sure where to post this so I have put it on 2 forums so forgive me if you see this twice. My mortgage term with the Halifax is coming to an end in October. We at first thought about moving but decided to stay put. I have just been accepted for a new mortgage for 150k with another society,…
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Advise on file clean up
Hi Everyone, I had pasted a copy of my credit file. Please can someone advise me if the dates are correct. I thought if i was delcared bankcrupt the amount owed should show 0 and with the bankcrupcy date which was march 2014 default £0 15/06/2014 default £0 15/06/2014 default £0 10/08/2014 default £222 20/09/2015 default…
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Payday uk/ McKenzie hall.
After my bankruptcy in 2010 I cleaned my credit file as much as possible. I did have some trouble with payday uk at this time,as they had incorrect dates recorded for me. Eventually, they wrote to me agreeing to change the dates,and even offered me a small payment in compensation. I agreed to this,and stupidly took their…
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Talkmobile Refused Me Credit - I Have Excellent Credit Rating
I tried to purchase a new mobile phone contract yesterday online only to receive an email from Talkmobile shortly after stating that they had run a credit check with Experian, and on the basis of that check, they could not take my order any further. I was bemused by this as I have no credit issues so I signed up to…
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Poor Credit Rating has me baffled...
Hi everyone! Like many other people, I've just signed up to MSE's credit club however and much to my surprise; I've found out that my credit rating is 'Poor' and It's around 579 on Experian, Noodle has my score down as 'Fair' so I'm confused by the inconsistency. Just some background information, I'm 20 years old and…
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Unexplained HSBC PLC Credit Check
Hi All I have just checked my credit file on Experian to see how it's looking these days (I was a victim of identity fraud so check it every other year) . I have an excellent rating and have never applied for credit in many years. I do have a HSBC account which I haven't used for 8 years, however my credit file states HSBC…
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MSE Credit Club - Debt ratio
Curious to see if anyone can provide an explanation of the criteria that goes into this? To my knowledge, when I signed up to the new site, the only things I've provided are my gross income, my partner's, and the cost of our mortgage. So anything else would come from Experian. I'm rated very highly on everything other than…
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Can't understand why my credit score is so bad
Hi all. My credit score is 1/5 on noddle, 359/700 on clear score. Current credit - credit card with 2500k credit limit, balance 2200 PCP for car around 15k The only negative factor on clearscore is that my credit card is close to its limit. i don't use this card, i'm just paying the balance off. minimum payment is around…
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Insurance search false alarm
I looked on MoneySuperMarket.com a few weeks ago, and there was a car insurance quote to start 1st September 2016, but there was a blue label: "We've automatically created this renewal quote to save you time" The new Noddle report for August turned up today, and there were SEVEN new searches in early August that I didn't…
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Effect of credit cards on credit scores
I have had a credit card with Natwest for about 5 years but, as it is a student account, it will be closed in about 6 months time. About 6 months ago I got a second credit card with them with a credit limit of 4x my monthly income. I know longer relationships are seen as good for future lenders so I was wondering if anyone…
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Looking for advice regarding a default account with shop direct
So when I turned 18 I opened up a very.co.uk account (Very bad idea) and couldn't afford to pay for some of the items I ordered while I was a student at university. Fast forward now and I'm 23 paying off all my debts and the only one left is a huge debt from shop direct to the sum of 3806gbp. It was defaulted at the…
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DMP advice
Hey I foolishly got into debt 12 years when moving to London (cc to survive etc). Around 4 years ago I took out a DMP (payplan) and was given defaults on all 5 accounts at various times (even though i never missed payments but I accept this happens when on DMP). The outstanding amount is £11,000. Now my query is regarding…
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How much power do debt collectors have over credit file?
Okay, I have made a number of silly mistakes in the past resulting in a number of defaults on my credit file. There are various reasons for these (or 'excuses') none of which are relavent so I wont go into detail. I am currently on a mission to get each and every one of these settled. 3 down, 2 to go! I know they are more…
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Electoral role never seems to update
I bought my first house recently, completed on 31st May. I registered to vote at the new address on 29th May, I was worried about it not going through in time for the EU referendum. So we're now near on 12 weeks later, and yet none of the three CRAs have bothered to update my electoral role info. All three still have me as…
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Experian won't fix my credit report
Hi everyone, I've been having trouble getting Experian to fix some missing information on my credit report for the past 2 months, with no solution so far. The problem started when I got a credit application declined, and after checking my Experian statutory credit report I noticed that the "Credit Account Information"…
