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Experian, Equifax and Callcredit.
Will any and all monies I owe be listed with these 3 credit agencies? {Background} In 2009 I lost my job. I didn't deal with this very well and it had a domino effect on my life. I took bad advice and made worse decisions. I lost my house through not paying my mortgage and generally buried my head in the sand and sort of…
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Multiple addresses, overdraft declined
Hi there, I have around £100k in cash spread across three current accounts. Have about 4/5 credit cards, all of which pay the balance at the end of each month. I was somewhat surprised that one of my banks declined to put an overdraft on the current account I use for my house bills giving reference to my credit rating not…
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Credit Searches
I have checked my credit file and everything on there is good, no missed or late payments, But my score is really low and the only thing I can see is because I have 7 credit searches in the last 12 months and only 4 credit agreements. Does your credit score improve each month that goes past up until the 12 month removal…
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Default or Not?
Quick question... if you had a credit card, which was passed onto a debt collection company under a rescheduled agreement, will the original credit card company show as defaulted payments on your credit report?
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Confusing credit check
My partner and I have just need accept for a mortgage and told we have nearly the highest credit rating...how we we went to get a bed on 0% finance but we were declined. They said they couldn't match the card to an address. It was an old address but we still have the correct details. Will this affect our rating and also,…
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Credit check from mortgage threw up issues
The past weekend my partner and I went to a bank for a mortgage advice appointment. Everything looked good but the advisor was surprised that our score was lower than expected, and hinted strongly that I might want to sign up with one of the three free credit report providers to check on a certain mobile phone company's…
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Default Dates are wrong
Hi Hope you can help. I got into financial difficulty some years ago and left the property I was renting and moved back to my parents. I left a debt with British Gas for Gas & electric. I left in December 12 but my credit file shows 6 months late from Feb 13 to Oct 13 before the default is registered. I thought that the…
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Unrecognised account on my credit report
Hi, need a little advice please. I have been checking my credit report on Noddle and Clearscore for the last year or two and so far had no problems, however 2 months ago I noticed Anglian Water Services has popped up on my report out of nowhere - I live with my dad so I have no financial connection to them whatsoever -…
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Credit score gone down?
Hi, I posted on here a few weeks ago about Capital One appearing on my credit score doing searches. I was advised that they were soft searches and would do no harm. Yesterday i looked at my credit score and it has gone down by 18 points, I haven't applied for anything, I'm not in any arrears and I haven't done anything…
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Cash advances on credit card in credit report
Hi all. I always understood that any cash advances showing against credit cards on your credit report look bad because you look desperate for credit. Is this actually the case though? The past three years I've withdrawn cash in foreign currency on my Halifax Clarity Card when on holiday, with it being the best way for me…
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Credit "limit" history on Noddle?
Hi everyone, First post after being a long term reader, thanks so much for all the fantastic advice over the years! Surprisingly couldn't find a similar question on the forum so feel compelled to ask the following: Excluding the issue of credit utilisation ratio, I wish to lower a credit limit substantially on my oldest…
