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Help, Little confused!
Hey all, I've had an account with Noddle and it's always been useful but it shows my credit score as 1/5 and a number of 513, I've just got a free account with Experian Credit Matcher and that says it's 602 out of 309. Anyone else had this kind of problem? Which should I believe? Also, does anyone have any ideas how I can…
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Rebuilding a credit score
Hi, I have recently finished paying off my all debts and signed up to the MSE credit club (a really helpful tool). All the areas on my credit report are green, bar 'account stability' which is yellow - all my account are between 3 and 1 years old. I'm not looking to apply for anything anytime in the foreseeable future,…
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Does Gambling effect credit rating?
HI, I have noticed a few of the sites I use for poker and sports book have been running an identity check on my credit file. Ofcourse I have no issues with this as its law but do lenders see it was an identity check for a gambling site?
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Help: Surprise debt!
Hi guys, I really need some help here, not sure what I can do. I went to buy a new car today after lots of debate, I sat down to finally sort the paperwork to be hit with a big fat DECLINED, bad credit. I have always been brilliant with money, I earn £50k a year and always pay my debts. I went away confused and upset, so I…
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new to credit and confused!
Hi, Looking for a little bit of advice! My partner and I are in our mid twenties and just starting out looking at homes to buy and gathering info on mortgages etc. Our savings are still quite a way from the deposit we're hoping to save but we're just starting to gather info at the moment. Before I go on I'll say that I…
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CCJ question
I have applied for a job. And they told me they us experian to do employment screening. Seeing as they use experian I am assuming they will credit check me. (The job has nothing to do with finance etc) I know I have an active ccj of £1100 on my file from last year which I have just found out about. If I start paying that…
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Help: Fallen for a scam email!
Hi all I believe I have fallen for a scam email. It was an email that requested details: Name DoB Email mobile number Address How concerned should I be? it didn't ask for any bank details but I am really worried!
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PLEASE HELP: 5 years uk address, one year overseas??
Hi, Another question, sorry! ....some help would be really appreciated. Spoke to Experian about my previous address history on my credit report for the past 6 years (as wanted to make sure I see a complete credit history) I have 5 years of current and previous UK addresses but the final year was overseas. Experian said…
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Failed British Gas Credit Check
Hi there. Hoping someone can help. We bought our flat a year ago, and it had a prepayment electric meter. I've just got round to ringing British Gas to change it to a normal meter, but when she did the credit check, I failed. I have a mortgage, a credit card with a small amount on, of which I pay a chunk off each month, a…
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Noddle fails
I am using Noddle on a free 12 month basis - linked to TalkTalks behaviour last year... Someone has just opened a "BANK OF SCOTLAND" current account - using all of my details Yet Noddle has failed to even notice this fact - it is not even mentioned on my Noddle account Luckily the person who opened the account is known to…
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Gone from Experian to Noddle but waiting for report?
So i was using Experian for the free 30 day offer and was able to get a find a compatible credit card and confirm that i had a good credit rating. That was a few months ago and since then i have been using my credit card on a monthly basis and paying it off accordingly. I have been told about Noddle being a free service…
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PLEASE HELP: Equifax credit report
Hi All, Would really appreciate someones help. I've been cleaning up my credit files and Experian is close to being sorted out so just signed up to Equifax, added the last 3 addresses to set up my profile but cant seem to find the option to add more adresses to cover the last 6 years. With Experian you can go back 10 years…
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Collections Debt - Written Off
My partner had an old Barclays joint account with her ex, which lapsed when they moved back to Australia in 2011. This was then passed onto a collections agency later that year, as it they were out of the country and didn't get any of the notifications from Barclays and subsequent letters from the collections agency. Now…
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Expired defaults
Hi there My hubby and I have several defaults which are due to drop off our files over the next year. The first one expires today and another one at the end of this month. Can anyone tell me how long it takes before they disappear from our credit file and do we have to do anything to get them removed? Many Thanks…
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Website glitch caused 6 hard searches on my credit report
Hello I hope you can help me! I opened up a credit account on Very.co.uk I kept getting an error with the page when proceeding and retried and not knowing much about credit didn't realise it was putting hard searches on my file. I have just checked my credit score for the first time on Equifax it is sitting at 264, I know…
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Experian Not Updated in 4 YEARS
Suddenly got turned down for a mortgage despite passing affordability... Just been on experian for the first time in a long while to find it hasn't been updated in 4 years - has incorrect addresses, no recent credit information (including 2 paid off credit cards and a paid off loan). Any idea why this might be? We've…
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Questions Regarding my Experian Credit Report
So I've just received my report and I have some questions. Background: I have been in debt and I am at the very end of clearing it. I hope to be able to apply for a mortgage in approx 4/5 years with my partner who has an excellent credit report. 1) Arrangements. I have some accounts with this status that are open but the…
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How long will it take until my credit score settles down after too many applications?
My ClearScore report updated yesterday and my score had dropped by about 50 points, and when looking at the negative factors, one of those was that I've made too many credit applications this year, which I don't deny. I knew I was going abroad for a few months this summer and I wanted a card I could use abroad, and was…
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Very £3.50 missed payment!! Result: Poor credit score...
Hey All, I've been carefully building my credit score up as I'm due a remortgage in 3 months time. I've been purchasing many things on credit and paying them off in full a few month later just to try and show some good money management. I recently bought a phone from Very.co.uk on a BNPL deal. I signed all the forms and…
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N Power
I recently applied to join the MSE Credit club and was surprised that I had a poor credit rating. I had previously checked with Equifax and one other main one, where my score borders on good to excellent As a result I checked with Experian and saw that N Power had placed a marker against my file for an unpaid debt of £644.…
