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Applying for current accounts in quick succession
Usually only in the habit of changing my current account once every two years on average, due to a combination of customer service issues and cash bonuses. Now I want to get in to the current account mass switching game fellow forum members have been getting into. However I'm concerned about the impact of credit searches…
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Missed Payments less than 30 days late
Hi, I recently changed bank accounts and canx my direct Debits. My mobile phone bill was due on the 7th of the month. I have been paying it with my new debit card on the 26th of the month. I was aware that the phone bill was paid late every month but paid in the same month. I have since noticed that the phone company have…
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Unknown CCJ affecting mortgage application
Hi there, I'm looking for some advice around CCJs. Myself and my boyfriend are currently working with a mortgage broker to secure an OIP but are being rejected due to credit rating issues. Apart from student loans neither of us have ever been in any debt or missed any payments. We both have savings that we've worked hard…
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Zuto credit searches
To cut the long story short applied with zuto, when asked Which lender they will go with advisor on the line says creation so he put it through and came up referred so he says he will get back to me in half hour for decision. mean while the guy at zuto did another 4 searches is this acceptable as I was still waiting an…
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Credit File: Default date doesn't add up
Hi, about 3 years ago I got my credit history in line so I could start acting like a grown up and apply for a credit card, so back in 2013 my file was clean in the eyes of the usual credit report companies. Cut to early this year and I received a letter from a debt collecting agency asking about a debt I had back in the…
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Score rebuilding
I have not one, but two CCJ's courtesy of NPower and their gross incompetence. Although they are now 15 months old I am still in the midst of the dispute over them, currently with the Ombudsman prior to going to Court to request them to be set aside. At the time of the CCJ's I didn't have any credit at all other than a…
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Min payment on credit
Can't belive I've been so stupid 😡😡 It took me a while to get credit rating back to normal and last mark will fall off in October I have now manage to get mainstream credit cards from my own bank as a result Now saying that I was looking on noodle I noticed that one of credit card company states were it says min payments…
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Is one credit card enough?
I only use my Barclaycard monthly (but every month and pay it off right away), is this enough to keep my credit rating at the 'excellent' rating it currently is? I did have a car on finance a few years ago and because I kept the payments on time for well over 3 years I'm sure this is what kept my rating high, now I no…
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Help/advice please
Hi all, I am a regular poster on the debt free wannabes but need some advice on my boyfriends default. He recently went to finance a car and was declined, after checking his credit file on experian we found out he had a default on there from an old Barclays overdraft he had from 2010. Months of trying to track it down I…
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24 years old, looking to improve credit rating.
Dear forum, I'm currently facing an uphill struggle to get my credit rating beyond 'poor'. I'm currently on 693/999 on Experian. One of the reasons why it is poor is that, my young naive self at 18 years old agreed to take out finance for my mum, in my name. She was later diagnosed with Bipolar. I fully accept I am…
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Virgin mobile
Me and my partner have both registered with Clearscore. On my partners it says 'One of your accounts is in arrears' It is with Virgin Mobile and it says the balance is £275. Account opened May 2011 It shows no payments have been made since July 2012 He has never received any communication from them about it. Since 2012 he…
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CCJ due to Car Insurers delayed action.
Just looking for a little help/advice as this situation is causing me quite a bit of stress and anxiety.. (Hence the midnight posting!) In November 2014 I was involved in a minor accident. I went into the back of another car around 7mph. There was very little damage and all very friendly and amicable at the scene. Me and…
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Default on file, can I still build a good score?
Recently went to buy a new car and was refused finance so went to my local Halifax and enquired about a loan, the lady in the bank did an eligibility check and said I'm not eligible. So I signed up to a credit score check site and the reason I'm being refused is due to a default from a loan when I was young and stupid and…
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Credit Score Drops after getting Credit Card
Hi, Quick bit of background detail, trying to boost my credit rating, have a 4.8k limit on my Barclays credit card and a balance of 3k, I'm paying this off £500 a month so will be down to zero soon. I read a lot around utilization % as i'm currently around 60% on my sole credit card (no other credit apart from mobile…
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Can a USA company strike your UK credit file?
I know that you can't transfer your credit file abroad but I was wondering whether a company in the USA can put a strike on your credit file in the UK? I have a website that is hosted in the US and several times they've failed to take payments off my card. I've never had a strike from them, they just took two months worth…
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Equifax, Experian, Noddle not showing any debts
Evening, I have been doing some free credit checks, equixfax, experian, Noddle and none of these Show any of my debts, they only show 1 previous small claims award for £230, why do none of them have my old 24K secured loan, no longer secured as house repossessed nothing to do with the repossession is on it (house was sold…
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Transferring Credit Rating Overseas?
Hi, I'm moving to the US from the UK. I read somewhere it maybe possible to 'transfer' my credit rating, so that it can be viewed by US companies who need to do a credit check. I can't find any real info on this. Does anyone know if this is in fact possible, and how? Cheers
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Beware experiian credit expert!
Hi all, Having an utter nightmare with experian credit expert. Last June I paid to check my records before applying for a loan and was surprised to see my score had dropped from 998 to 845! The record showed my electoral register details had vanished so I called in and was told it would be sorted the next day but instead…
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credit scores
Signed into Noddle as a free service from Aqua, and was quite happy to see my credit score was "fair". I had been a bad credit risk in the past, due to several personal factors, including a bad marriage and family crisis, For the last ten years,I have been clawing myself out of it, so its nice to see I am on the way Up…
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Experience of bank credit
Hi everyone, Im planning next year make my business more formal, I think I need to make an investment. I've been thinking on search for information to get financing from a bank, Does anyone has a good experience doing this? I found this treat (forums . moneysavingexpert.com/showthread.php?t=49163) but it seems I need more…
