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Newbie
My credit story: I've been poor with money and, never been on the electoral roll until now. Ive had a credit card for years, maxed it out to £3800 and payed the minimum on this for a couple of years. I have missed multiple payments (due to laziness and no direct debit set up). the last late repayment was in November 2015,…
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Alias on credit report
Hi, my credit file had an alias attatched by halifax bank (they claim to know nothing about this). The alias was my dad, iv been unable to get a mortgage because of this as all his credit information was on my account, so what I provided to the mortgage application wasn't correct in terms of out goings. Not only is this a…
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Default still showing after DRO
Hello! I have had a quick look through but couldnt see anything on this subject. So 4 years ago I had a DRO, being young and given lots of credit I got myself into debt I couldnt repay a DRO was my only option at the time. I had 3 debts to be written off. 1 was but 2 others are still showing as default on my credit report.…
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Civil Partnership or Married?
Joined the Credit Club today and I realised I might unwittingly be lying on application forms. In May my wife and I converted our Civil Partnership into a Marriage. When the option comes up, Which box do I tick? Previously when I attempted to ammend my personal details with a credit agency, was told I keep my original…
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Credit Rejection but no search done?
So I've received a notification from Vodafone that after carrying out a credit check with Experian, they've decided to decline my order for a SIM Only Monthly deal. (£19.20/month). There are a few puzzling factors in this one:* Decent credit record (991). I know this in itself is not a guarantee of being accepted and that…
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Good Credit report/Score but cant get credit?
Hi Everyone, I hope you can help as I am really lost! I have applied for interest free credit twice in the last 6 months and on both occasions I was declined and the provider just sent me the generic letter saying that I should check with credit reference agencies. I have checked my Call credit (Nodle) and Equifax…
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Bank of ireland
Tried to open second current account, have flex with nationwide, went to the post office fill in form ,declined the women said it s internal D O C they are the bank of Ireland who are linked to on this list Bank of Scotland Sainsbury American Express Tesco, Mbna Barclays Bank City cards Capitol one Nationwide Do people…
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Paying Default
Hi, I am 3 years into a defaulted payment (only knew about this when I applied for a mortgage.) If I pay this does the 6 year cycle start over as that is what the EE website is telling me. I found out about this and immedietly paid it ( even though I dispute the charge after requesting the contract be cancelled numerous…
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Is a joint account a good or bad idea?
Both my partner and I have got our own separate accounts and we split the bills between us - he pays his own phone bill, the rent, council Tax and the car stuff (tax and insurance), I pay all the utilities such as gas elec water etc. We were thinking maybe a joint account would be a more streamlined option but he is…
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Outstanding balance with Virgin Media..
But I can't find any email address or postal address to contact them in order to start repaying (found an entry on credit report). I dont like to discuss debts over the phone so would prefer to speak to someone. Also, I have no idea what address it relates to or what my reference number is! Can anyone help?
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Letting an apartment - credit check
My living situation is pretty bad to the point where I have to move out (family feud). I've just some enquiries regarding a fully furnished apartment and the monthly rent is ideal for me. Trouble is I've just asked what the next step is for reserving is because it's a new build and they do a credit check to make sure I can…
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Can I get a default removed?
Looking at my credit file the other day I notice T Mobile have put a default on my file over £20. There was some confusion when I moved my phone from T Mobile to EE so I had one account for 3 phones, daughters, other halves and mine and one direct debit, on doing this, they then credited my bank account £9, shortly after,…
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Building up a credit rating from nothing
My boyfriend currently has a very thin credit file as he has only has a savings account, and no outlays as he still lives at home and therefore is not responsible for paying utility bills, rent, etc and has no direct debits (has a pay as you go phone and no credit card). He also gets paid cash in hand for a job that he…
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Thin Credit File
Hey, So I got declined for a mobile phone contract before the weekend. Mortifying! Anyhow, it got me looking into my credit score, etc. When I checked earlier in the year it was good, and it still is, however, a couple of things bothered me: 1. Equifax are the only credit agency to have the incorrect address for my bank…
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ghost loans - how long till they vanish
I have a ghost loan from RBS, basically I took the loan and then decided to pay it back within a few days. The account is now closed and all this happened mid june. Now when I apply to renew a mortgage the lenders still see it as a debt. So my credit rating is fair not good. Rather than get lots of credit enquiries trying…
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Using Cards to Improve Credit
Hey, So, I already have a card with bank but the 18month interest free has run out. My credit limit on it has increased up to £2k while using it, but I continue to use it and pay it off every month in full balance direct debit. If I apply to increase the limit to £5k - Will that mark my file? I was going to apply for…
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Energy Bill - I pay but not under my name.
Hey, I'm looking into credit ratings and I see that having different types of credit are good; for example not just credit cards but energy bills. I'm living in my mums flat; the energy account is under her name but I pay it with direct debit from my account. So I assume I won't get credited for this? THanks
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Removing a debt relief order from my credit file?
Hi there, I had a Debt Relief Order in September 2010, from which I was discharged in September 2011. Having researched this, I found that the DRO should be removed from my credit file "6 years from the commencement of the arrangement". My question is - is the 2010 date the 'commencement' of the arrangement, and if so,…
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Not seeing my credit report with Barclaycard
A couple of months ago I tried to get my Experian report through Barclaycard, as you supposedly can. It's been stuck at the 'we've sent your details to Experian' ever since. I'm not desperate to see it as everything I can see via Noddle and Clearscore is accurate and I've never been denied credit, but I will be getting a…
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Incorrect default on Credit report affecting credit rating
Hi, I'm new to the forum. I was hoping for some help or advice on an issue I currently have. I have recently been looking into getting a mortgage for a house. I would be a first time buyer and up until now I have never had real reason to get credit. When approaching the bank for a Decision In Principle for a home I was…
