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MSE Eligibility Checker - Credit Cards
Good Evening, I have been following MSE forum postings for a couple of years but have never really had much to contribute, but I have a little something now so felt now is the time to give some feedback / information in my experience. Now firstly this certainly is not a post to criticse the MSE eligibility checker (credit…
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Not eligible to vote = no credit?
Good day, Me and my partner moved to the UK a year ago and we are non-Commonwealth/non-EU nationals. Since we are not eligible to register on the electoral roll, is there any possibility at all for us to apply for credit cards and such? We both work and have a UK bank account with savings etc, however it appears that not…
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Default after settling
Hi there I had a Scottish Protected Trust Deed which ran from 2009 until 2012 and given this is 2016 it is no longer on my credit file and none of the debt associated with it is bar a loan from Lloyds which was included in the Trust Deed . On my credit file this is still marked as default even for July 2016 . I took the…
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Credit file mix up
Applied for a loan through my bank on 26th July, declined as they reckon I have a bankruptcy registered in my name (totally untrue, never been bankrupt) no evidence on 3 reports of any bank credit search either. Letter arrived 5 working days later still confirming the non acceptance. Spoke to a bank adviser on phone who…
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Derogatory Status
Hi, I have been having some trouble with British gas. Firstly when I left them at renewal and had a bill for over £2k which turned out to be wrong and they eventually sent a new final bill for around £200 which I agreed to pay over 3 months and I asked if doing this would effect my credit rating; they said no. Then they…
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The Clearscore Credit Reference Report Website
Hello, If anyone has used the Clearscore website to obtain a personal credit reference report, can you tell me whether they gather information about you from all of the credit reference agencies, because I have 2 credit cards, however, only one is showing on my report. I am rather confused, therefore, would appreciate any…
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Re-registered default
Hi everyone I have been a lurker on these forums for a while and was hoping that you guys may be able to give me some advice. I defaulted on an account back in July 2010 as I had been made redundant and was unable to meet my payments the default balance was £1599. At the time I attempted to engage with the lender to…
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Credit file & New employment
Hi, I hope you can help. I recently applied for a banking position within a contact centre and i have been formally accepted following a successful interview. My only concern is their vetting process which entails checking my credit file. The only negatives showing include: 3 defaults - 1 from four years ago and 2 from two…
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Help PLEASE can't view credit report on kindle fire.
Can anyone help please. I've ordered my credit file from experian. Got code to view on line. File downloaded but can't view it! It's not in my downloads, I've got Adobe reader but however I try I can't view report. What am I doing wrong?
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Default Date Query
Hi all, I have two accounts that I have not made payments on since 2014. However when I recently queried if I still had an outstanding balance, they have updated my credit file with entries stating 6 payments late markers since October 2014. Then changed it to AP in May 2016 (when i contacted them about balances). Is this…
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Missed mortgage payment?. What imacts?
Hi All, Just after a word of advice please. Having re-mortgaged in June, my new provider was due to take my first payment out at the end of July. Due to a mixup on the application form (which I am complaining separately about) the bank account details were not processed correctly and a standing order was not setup - and…
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My plan of action for better credit
I was over eager to build my credit as fast as possible I ended up applying for too many credit products, and now realise I've temporary damaged rating. I'm taking a step back and I won't be applying for anymore credit until at least Sept 2017, which will be car finance after hopefully starting my new job by then. I have a…
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Loan Default
Hi, Seeking advice and a way forward. My Wife in a previous marriage took out a loan in 2012 with the Halifax. As part of their divorce settlement her previous husband agreed to indemnify her from this loan. He of course defaulted , in 2014 without advising and her credit record is now in default which affects us both. The…
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Settled or satisfied?
I currently have 3 defaults caused by my separation, the debts have been sold on to other companies & Im currently paying them a small reduced amount. I've now sold my house & looking to pay the debts off. They've contacted me explaining that they may accept a reduced amount to clear them but they have said that my credit…
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Notice of Enforcement - Credit Rating affected?
Hi everyone, I have moved house a few times in the past couple of years and hadn't updated my driving license each time (stupidly). I appear to have received a fine at some point that wasn't paid as I didn't know about. Its spiralled and has resulted in me receiving a "Notice of Enforcement" from a company called Marstons.…
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Credit report and mis-matching address
Hi all, It transpires that my address exists in systems in two formats - the normal, correct format but also one where the first line of my address appears erroneously in the district information and just a '&' appears in the address line. So the address appears similar to this: '10, &, Millbrook Lane London, SWxx', rather…
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Sum in Arrears Notice with no Default
Hi, Back in 2011 I have a car finance agreement with Creation Consumer Finance that I defaulted on around NOV 2011, well I thought I did. I have checked my credit file with all of the big 3 CRAs and there is no mention of the account under closed or open and no default placed. I now have Lowell chasing the account. I have…
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HELP! tesco communications default
Hi all, In 2011 at 18, I took out a 2 year contract with Tesco mobile and missed some payments on it. I've just looked at my credit report and ever since 2013 they've been recording it as a default, most recently still recorded on 1 july 2016. I didn't ever receive a letter telling me about this, I knew I had late payments…
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Credit Scores & Cars
I'm sitting on an Experian Credit Score of 777 (Fair/Good) - I earn 30k pa and have no rent/mortgage, I've got one Default from 4 years ago which is now settled and haven't searched for credit in over 2 years or missed a payment in 4. I really want to get a new car but I'm worried about being rejected and leaving a bad…
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Credit Search
Hi I have 4 credit searches in the last 2 months. Obviously lenders will look badly on this. Will they look more favourably each month that moves on or do I need to wait the year for them to be removed, before lenders will consider me credit worthy again?
