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What can I reasonably ask credit card companies to change on my credit file?
Hi All, I hope you can help! Thanks to the wonderful new MSE facility, I have today found out a whole lot more about my credit file. It's an education! About 5 years ago I had a lot of credit cards, and they all suddenly started asking for much higher repayment amounts per month - completely reasonably. I contacted all of…
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Address not recognised on MSE
Hi, I have signed up for MoneySavingExpert.com's Credit Club but I had to use a very old address (my parents) as my previous address as the page would not recognise my old postcode of a flat I lived in for 12 years. The flats have now been demolished but google still recognises the postcode. Has anybody else had this…
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Closed accounts
Hi All, Please can someone help me!! Are closed accounts classed as defaults? I have a closed account that shows i went into arrears, then settled then closed. Im so worried about this being on my credit file. If anyone can give me some advice i would be really grateful:).
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Bank says they have no record??
I have a bit of an unusual situation NatWest at the moment. I had a student credit card with them when I was at uni I did have late payments on it and its been paid in full it's all on Experian and I thought it was now closed down. It hasn’t been closed down I don’t have the card as it’s been a long time. I spoke to…
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Arrears - Reported 7 years later! Unknown accont1
Hello, I'm looking for some advice. I logged into Noddle to view my free report - I was alarmed as it said my score had dropped to very poor. I quickly noticed an account I did not recognise - and it was marked as a late payment. The account is for an unsecured loan of £500. The following details are listed: Account start…
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MSE Credit Club Using Wrong Address Finder?
Hi, I've tried to enrol the wife and myself in the Credit Club. On completion she gets the following message: "Sorry, but you have failed the Experian identification process. This means that Experian was unable to verify your identity from the details you provided. The information that it holds on you is very sensitive so…
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#VanishingDebt?!
Hi :) I am new to the site but started a DMP with Payplan in 2008; my husband recently checked his credit score on Check My File and 3 defaulted debts - 2 credit cards and an overdraft - had vanished. We have been paying a small monthly payment via Payplan since 2008 and the last time he check a year or so ago they were…
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Arrangement to pay- help needed
Hi. Looking for advice please! My credit file is showing an arrangement to pay for an RBS current account dated April 2014. There are no late payments showing and I did not go over my overdraft. I also had 2 loans with them which are showing as all payments up to date . However, in March, April and May 2014 I made late…
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Thanks to MSE for Credit Club
I have been battling with some of the other Credit Score providers for years over their inability to tell me what exactly affects my score at any time, with no success whatsoever. The MSE Credit Club gives me all of that detail in very easily understood terms. Thank you, thank you, thank you...... I will be cancelling all…
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Effect of closing credit accounts on credit file
Also posted on the mortgage forum as I'm not sure where this should be... I will be applying for a mortgage next April/May with my partner. I have paid off my credit card and catalogue account, however I have read that if I close these it will have a negative affect on my credit file, is this correct? I have no other…
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How do words make you feel?
I'm currently working with HMRC to develop a new online service. As part of this, I'm interested in gathering feedback around language and how it makes people feel. I've posted a short survey here, and would be interested in your comments and opinions. It'll only take a few minutes! Thank you.…
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Consolidating debt - Effect on credit rating?
Hi I have 2 credit cards (£6000 in one, £3000 in another one). I can put £300 a month in total to repay them. I am going to call each card first to see if I can get a 0% deal for a a limited tim . If not, I was looking at a 0% card to transfer my debt there. Otherwise the bank offers me a loan at 4%. We are buying a house…
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Correcting a report?
Hey, Just looking for a bit of advice before I chase up Paypal. I took out a finance agreement with Apple at the start of the year, with finance provided by Paypal Credit. I immediately organised a direct debit to pay the 12 months of instalments as agreed and I received confirmation of this from Paypal. Due to a technical…
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Student Accounts
I've just been rejected for a student account due to a default on my credit rating. Are all banks likely to reject me or would it be worth trying another one?
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ppi
I have been turned down on a PPI I have had a lot of hassle as I changed my name form McAllister to Lowry in 2007 can you help me as I don't know what to do
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Credit score decreased -> on Registering in Electoral. help required.
Hello, I had a credit score - good [ i.e 410] till last month. I have registered for electoral roll, to increase my credit rating. But since I have stayed less than 2 years in my current address , they reduced my credit score to Poor [i.e 350]. Even though Im regular in paying back the credit & bills amount, this decreased…
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Why would mortgage account be settled when I didnt pay it off?
Hi, I checked my credit report and Landmark (previously NRAM) have marked my mortgage account as settled. I no longer have a home mortgage account. (I haven't paid it off and I haven't any rich relatives who would do this for me.) Why would they do this? Experian and Equifax both show account closed as at 31 July. I…
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Guarantor
Just holing for some advice. I recently agreed to be a guarantor for my wife when she purchased a new car. I was told on more than 1 occasion it would not effect my credit file. I have just looked and there it is 12 grand of finance from Private and commercial finance. I have phoned them which they have pretty much ignored…
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Savings loophole credit score Noddle
Hello everyone, I have for the past year and a half been taking advantage of the interest paying current accounts. I have recently began stoozing with a now 6 month old barclays at 1k limit (to be extended by them this month to 1500) and a recently opened MBNA card with £1700 limit. I have no "debts", no missed payments,…
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MSE News: MSE launches free Credit Club
MoneySavingExpert.com has today launched its brand-new Credit Club - a totally free way to check your credit score, whether you're likely to be accepted for credit in the real world and how to boost your chances....Read the full story: 'MSE launches free Credit Club' Click reply below to discuss. If you haven’t already,…
