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Changing energy supplier could affect your credit rating
I've just seen a episode of Rip off Britain which featured someone who regularly changes his energy supplier. This time he changed to NPower I believe. However, they did 2 hard credit searches on him and that resulted in him being rejected for a credit card a few weeks later. They said that 3 companies do hard credit…
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CC application while not working
I stopped working last year. My main (and only regular) source of income is renting out rooms in my house to lodgers. I'd like to apply for a travel money credit card. I'm not planning on using it to borrow money, but to cut down my cost of buying currency for my travels (I travel quite a bit), and for the convenience of…
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Would having different addresses affect my credit score?
So i was born and raised in London and have registered to vote from my house in west london. I have moved for uni to Manchester and have signed up for a credit card with my term address in Manchester. Would this effect my credit score? Also if I change uni again and sign up for a credit card and use the address at my uni,…
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Defaults
Hi Sorry if this is a dumb question. I am currently on a DMP which has ages left to go. My credit file still has 6 defaults showing. These were all registered in 2011 so I'm hoping these will drop off next year. Am I right in thinking that this will happen even though the accounts are still open? My score is gradually…
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Problem with Eon and CCJ
Hi, i'm new to this so bare with me, for the last 2 weeks ive been having an arguement with EON, i've recently split up with my partner who has kindly left me with a debt with Eon for £1,100 I agreed a payment plan in May to pay £40 per month, the first payment went out a couple of days after and I didn't think anything of…
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Returned to UK after 15 years. Mortgage?
I returned in Jan 2016, renting a flat, on electoral roll at current address. Recently got 1st credit card. I would like to be able to buy a house soon but as I am having to rebuild my credit from scratch after being overseas for so long, wondering if anyone has ideas on how long it will take for me to be likely approved.…
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Default issues
Hi everyone This is my second time posting and I am loving the forum. Heres my story. In 2009 I moved into a rented 2 bed flat with a flat mate. I hadn't paid my gas/electricity bill for a while and after probably about a year I decided to do something about it. My flatmate contacted them and we agreed to make monthly…
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Joint Tenancies and Credit Affordability
Hi All, I recently applied for a personal loan from my bank and was declined based on affordability. I asked to examine the decision in branch as based on my calculations I felt I should have been fine on this front. It turns out that as I have a joint tenancy agreement, they have to take into account the entire amount of…
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Why is my credit rating bad (credit info shown). Advice please
Hi all I have been hoping to cosolidate my debts for a while now onto one credit card, with no/lower interest but my credit rating is holding me back. I had a blip in my rating the second half of last year - I graduated from university, red brick, in an engineering degree summer 2015, then I was looking for work and did…
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acqua card...want to give a ccj
i was trying to get credit sorted a year or so but again had personal problem affect life. so ended up paying the minimum and said as soon as i am a bit more sorted would pay it off but carried on paying the statutory amount. in meantime now i have received a letter saying "we are giving you a ccj" unfortunately due to…
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Differing Credit Score
All I am a little confused about credit score, and as I am about to go for a mortgage I need to clarify. I did my credit check with Equifax and it was good, although I had a default on a mobile phone bill, that I had cancelled for 15.00 but my score was still good. However with Experian I am rated poor due to changing…
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Settled CCJ time up
Hi all, my wife has a CCJ on her credit file, it was settled a couple of years ago with no problems but the "6 years on file" time has now elapsed. We checked her file today but it's still on there. Do we have to apply somewhere to have it removed now? Many thanks.
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Mortgage with poor credit (happy ending)
A little over 2 years ago I posted this thread: https://forums.moneysavingexpert.com/discussion/5047465 Essentially, a string of bad decisions in my early twenties had left me in a VERY poor financial situation - I have a decent job but the hole I had dug (including poor financial management) had left me in a nasty debt…
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Noddle Credit Report not updating?
Hi all. I've just logged into my Noddle account to see that some of my credit agreements are months out of date. My mobile phone contract and loan have not been updated since the 1st of July, and my bank overdraft has not been updated since the 14th of June! I paid off the loan and overdraft early and completely in August,…
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Massive rise then drop in credit rating after getting a mortgage
According to Noddle I recently had a great credit score that was going up every month. I took out a mortgage and it shot up massively to an almost perfect score but now after being here for 6 weeks it's gone through the floor and is down to 3/5 from 5/5. I think a big cause is simply the fact I'm no longer showing on the…
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Credit file
Hi there, Ok so long story short I received a CCJ for an overdrawn TSB account (10GBP) It was a charge I never realised it was there. Anyway I disputed it as the address was an old address and I visited a branch to change it before never using the account. Anyway it wasnt done and mail was going to an old address. The…
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Text from "Opos Limited" - should I get in touch?
Hi all, Sorry if this isn't quite the right place, but this is a difficult question to fit into any of the folders. Today, I received a text message from an 07- number. It reads as follows: "This is a message for (my correct name), please contact OPOS Limited on (phone number) regarding reference (reference number) as soon…
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Defaults falling off rating.
Looking to an answer to a question I can't find a definitive answer on. I have some debts that have fell off my credit file. Now i'm with the understanding that If I'd acknowledged the debt the 6 years (To fall off) would have started again. If the above is correct. And as they've fell off my files (they're over 8 years…
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Credit card utilization.
Hello guys. Looking for a bit of guidance. In relation to credit cards and keeping good credit... is it better to have two and keep to using a lower percentage or just one? And a question that could get me some stick... Whilst I understand a lot of people believe/know that credit "SCORE" isn't important. Would the…
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CCJ on my credit file with no opportunity to defend
Hi All, I hope someone could give me some advice. For the past 3 months I have been wrangling with both Capquest and Lowell regarding 2 separate debts. I believe both are Statute Barred and have sent them both letters to explain this for both separate debts. However, I looked closely at my credit file from Noddle last week…
