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Serving Military - Credit File Problems...
Hi all, My first post - I've been a long time user of the main site and browser of these forums, and have always managed to find solutions to any money problems within them, but this one has me stumped... The Background I am currently serving with the Army, (and have been for several years), and as part of my normal duties…
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Closed account that shows open and late payments affecting credit score.
Jan 2015 I got a 30 day £5 sim only contract from Virgin as part of a package dea as got broadband and landline rental too, after a few months I decided I didn't need it (felt pressured into taking it really) so gave my 30 days notice, the payment did come off by card but the card expired anyway and for the broadband side…
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Prove it letter query
Dear All, I have the misfortune with dealing with a known DCA. I have contacted them via email and they say that it is not statute barred but have sent no proof of debt. When I send a prove it letter is there a time period that they have to provide said proof or can it be for as long as they want? Reason is I sent an…
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Cifas
I had my Natwest credit card, current account and joint account closed down in June. I received a 60 day letter of closure. I already had a Nationwide account and managed to add all direct debits etc. I also, on the advice of forum members, opened another account, with HCBC (in May and approved and open, although just a…
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Will paying a debt remove a black mark?
Went to see a mortgage advisor. Was told that I have a black mark against my name, so can't offer mortgate unless i have 35% deposit. Black mark is Tmobile (scumbags) so if I pay this will it remove it? If not, then my life is basically !!!!ed because Tmobile tried to shaft me. Edit : I spoke with Tmobile and they said it…
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Mixed up Credit Report
I'm not able to sort this out given it's after office hours, but will ring the CRA in the morning and just wondered if anyone has had this situation happen to them. I went on mybank and noticed they have a credit card with a 0% interest for transfers, so thought out of interest I'd check my credit rating. I was expecting…
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Confused about credit report, and want to apply for a mortgage.
Hi, I apologise if I'm repeating what others have asked. 7 years ago,i lost my job, fell on hard times, defaulted on some credit. Now, at the time I settled those for a fraction of the amount. Since then, I found a great new job. And everything I have ever owned has been purchased outright in cash, Everything is paid off…
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Settled with a zero balance
I had mental health issues so some of my recollection is sketchy. I had a default in 2008 with my bank. looking back at historic credit files I found that the bank marked it as settled and entered zero on the balance in 2011. (It has dropped off my current file) Does that mean I paid it off? I have health issues that…
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Query - help needed
Firstly, apologies as I'm not sure if this is the correct place to post this. I opened a Very account and a littlewoods account over past week. I was approved for both and have ordered a few little things. However, I was asked to call up to confirm my details which I did and I was then told that my credit account was being…
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Is it wort it?
Looking for some opinions please. I took out a capital one card about 8 months ago in a bid to improve my credit score. I had a poor score ( 98) due to various defaults, pay day loans etc. My score is improving ( 274) and I have paid off most of the debts. I was gutted to see today that my card is over the limit by…
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Should I pay now?
I don't even know how to explain my situation so please bear with me. I am looking to buy a house and have gotten an AIP, thanks to my broker. Who says that my credit score is not all that bad. I checked it myself and its got a decent score for a mortgage, or so I a told. What I am worried about is that I keep getting…
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Will paying a defaulted debt improve my credit score?
I have a defaulted balance of around £250 from two years ago, originally owed to Vodafone, now with Lowell. Otherwise, my credit standing would seem to be good: a credit card that is regularly paid, and a mobile phone account, no CCJs. Will paying this amount to Lowell, either in full or part, improve my credit score…
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Credit Report Confusion
Hi All, Wondering if someone could debunk the mystery of credit reports please. I have just checked my Noddle and Experian credit reports. Noddle: 604 which is Fair CreditExpert by Experian: 979/999 - Excellent I have checked both and they seem equally up to date and dont contain anything different from what I can see. Any…
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In a mess...and never learn my lesson
Hi all, I really am in a pickle and not sure which way round to pay things off to finally get to an improving credit rating. I just downloaded my report from Equifax, it did not make for pleasant reading (let's just say it's in the very poor category). I earn great money but I am disorganised and irresponsible and now I…
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Experian 'Credit AMATEURS' - Disappointing Customer Service - Refund Overdue
Its another beware of Experian Credit Expert moment... Back in mid 2010 I opened a free trial credit expert account and logged in once or twice over the course of a few months. Then I cancelled the account and forgot about the whole thing. July 2015 I opened a new account with a view to check on all my history to clear any…
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Debt collection, does the data protection act apply to individuals?
Trying to clear up a disagreement I'm having with a friend... He has debts, debt collection agencies are involved. Debt collectors visited him, he didn't answer, they spoke to neighbors, asked where he worked, neighbors told them. Now debt collectors are hassling him at work, he feels his job is at risk. He thinks he can…
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Credit Score - Credit Card??
Hi, I am new to the forum and wondering if anyone could help me at all :) Me & my partner are looking to buy our first house next year so I decided I need to look at my credit rating (I am 21) So I logged onto Clear Score who my partner uses and got my rating. Am currently scored at 484 out of 700 which apparently is…
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Natwest Misinformation --> Credit Score Impact
Sorry for the long post - I want to give an accurate account! TL;DR: Natwest moved my account into Collections after stating they wouldn't, and I want to get the Collection Notice scrubbed from my credit file. I have been paying down the debt I owe and am not challenging that. I acquired a Natwest Student Account…
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Getting into 'Excellent' credit score?
Hi there any help or detailed knowledge would be appreciated. My credit score is in the good range at present I will be applying for a mortgage in 2017, and the only way I can see it improve is to settle a couple of accounts. (I don't want to apply for any more credit, my credit cards have a good limit and are low in…
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Improving Credit File for Mortgage Application
I had some problems in the past financially and have slowly been working on improving my credit file. By March 2017 I will have no defaults or CCJs on my credit report and will have a good history of green markers on my current mortgagee, credit card and car loan. Is there anything else in particular that would further…
