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Has My Credit File Been Compromised?
Dear MSE I have just registered as a new member, and took up the Free Experian Credit Report. I was shocked to find my score come out at 321 out of 999!! This, potentially, explains why my credit card provider recently advised intention to raise my credit limit, then promptly withdrew this offer before active date, due to…
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Credit Building Products - is it worth it?
Hi Forum, I wonder if someone could answer me this: If there are more positives vs negatives on my credit report, do the positives outweigh the negatives? e.g. 3 x new credit facilities (credit builder card, high interest rate credit card and a loan) but 1 remaining default account. I guess what I am trying to learn is it…
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Default dates query
Hello, I've obtained a copy of my credit report. Back in 2010 I was in a debt management plan for a lloyds tab loan account and credit card. In September 2010 the dmp broke down and as a result the loan account was marked as default as of October 2010. However the credit card is recorded as missed payments for several mo…
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Credit rating affected if claiming benefits?
HI, I have recently left work and am in the process of setting up a business. I have been to citizens advice and they have said i am entitled to benefits whilst starting the business especially as I am the carer for two children and have my own home with mortgage. Will claiming any benefits affect my credit rating? Thanks…
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After 3 Years I Checked My File Today
To see 4 defaults & 1 CCJ Now im not going to panick or fly off the handle just yet, as im pretty sure MANY other people have been in FAR WORSE situations than this right now. Im going to keep it short and sweet. How can I rectify these defaults and this CCJ in the speediest, most efficient way? At least 2 of the defaults…
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Ccj
Hi my lovely people,pls I need your honest opinion on this. I susbscribed on the 21st Aug 2016 to have my credit score checked only to be hit by a surprise of a CCJ which was issued against my name on the 14th April 2016 for debt and damage of £247.Since then I have been trying to get this resolved.I've called the court…
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Improving Credit Rating
Hello, I'm looking for advice on the above. Firstly overdrafts, is it good to have one and not be in it? Or to not have one at all? Should it be a low or a high limit? Credit cards, again is it good to have a low or a high limit? What sort of utilisation would be positive for a credit rating? Anything else I could do?…
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noddle credit
Hi, I am waiting for some defaults since 2013 to go off my noddle report by British Gas. They've told me now they'll be off within 48 hours. Will i see this change as soon as its done or will i have to wait until my next report is generated . I'm applying for a morgage and need them gone asap just wondering how it works?…
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Barclays have reported to credit agency incorrectly
Hi all, my husband has had a credit card for about 20 years, used to be Goldfish, now Barclays. He always pays the bill in full in cash in a Barclays branch. Last month's bill was about £56 due on 5th Sept. He paid it in branch on 31st Aug and got a receipt. New statement comes showing no payment received and interest of…
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Delinquent Account?
Hi all, Can someone please advise what a delinquent account is, and how long it will stay on my credit file? I have a couple of defaults but have now noticed a delinquent account as well. It doesn't show a delinquent date, like my defaulted accounts do, so how do I know when it will drop off? Is the effect on my credit…
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Trouble with credit ratings
I'm in constant email with experia who have given me some poor credit rating. This is mainly because they say I am not on the electrol roll. I have sent proof twice from my local council even including my electrol roll number and they still say I'm not on their records. This is stopping me getting a credit card as well as…
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Statute Barred Debt and CCJ claim form has arrived
Hi all As my title reads, could anyone please offer me some advice. I have a statute barred debt, I have received a county court claim form, stating the claim from 06/09/10 and the claim was issued on the 13/09/16 I have contacted stepchange who advised I need to fill out the defence section. I can see where I need to tick…
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Does opening bank accounts affect credit rating?
Hello I have been trying to sort out my finances recently and have opened an ISA and 2 savings accounts in the last 3 months to try to maximise my interest returns. I want to switch my bank account to first direct and then open a savings account with them as well. However I am concerned that with all of the above that this…
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Late payment showing longer than 6 years
I am in the process of applying for a mortgage after selling my last property a few years ago. It is now July 2016 and my last mortgage ended in July 2011 (5 years ago) I am aware that my previous mortgage record will show on my credit history for another year, however, is this supposed to also include the payment history…
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EE / Orange Broadband Name change
Hi, I was notified a few months ago that my EE broadband, that was being billed as "ORANGE HOME" was going to be changed to "EE Broadband" on my bank statements, however it seems when they have done this, 2/3 credit reference agencies have noticed this as the "ORANGE HOME" account being closed, and a new EE account being…
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Address affecting credit report?
Hi, My address is, according to Royal Mail, is in the following format, but obviously I've renamed parts to post this thread: Flat 3/4 (Flat Number) 1 AppleSeed View (Street Number and name of block of flats) Apple Road (Road flats reside on) Apple (Village flat is in) Bigger Apple (Main post code area/town flat is in)…
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Closed bank account showing a balance on credit report.
Hi, I have just checked my credit report with Experian as I've recently had problems with Vodafone and wanted to see if they had left a bad mark on my report after cancelling a contract. When checking, I noticed that a bank account I had with Co-operative has a balance of £190. What does this mean? When I switched to…
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Search related to mobile contract
What information can lenders see about searches, and specifically can they see that a search relates to a mobile contract application? If they can, would this impact less on a future credit application than a credit card search would?
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Do mobile phone contracts go on your credit raring? Or help it?
I've always seen my mum or step dad pay for a contract and the phone shops always run a credit check. But I recently signed up for my first contract last week, £40 a month and they did run the credit check and I completely forgot that they do it, but it went through and cleared straight away. But I saw somebody on MSE the…
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Late Payments - how long do they significantly impact your score
Long story short, an ex-partner failed to settle our npower account (in joint names), despite telling me that she had. The account was 6 months late for 8 months - however it never officially defaulted. As soon as I found out about the debt I settled it. There are no negative markers on the account since August 2015. I…
