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Aged 18 and zero credit history
I turned 18 in April, and I have ZERO credit history, even my current account isn't listed on my report. I wanted to start building up a good credit history so I decided to be realistic (I realised I won't be eligible for many credit cards) so I applied for a catalogue with Studio and JD Williams. Rejected for both. Then…
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Credit Checks
I have never borrowed money. I will be renting flat shortly. If the owner runs a credit check am I likely to be disadvantaged because I will have no record?
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Debt Company Giving the Wrong information to Credit Checkers
Hi, I had a Virgin Credit card which was sold to CapQuest. I've been paying the agreed amount for over a year now, but have just discovered that a company called Arrow Global have the same debt linked to them on my credit score and are claiming each month that it is still in default. I spoke to CapQuest and they have…
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Default now satisfied
Hi all, Just looked at my credit history for the first time and noticed I had a default for a Three mobile sim only contract which was passed on to Lowell a few years back, I contacted Lowell straight away and have now paid in full today. I was offered a the option of paying a full and final fee of half the money (£35) and…
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Clear score how can I get better details.
Hi I've never posted on a forum before so bear with me I'm not massively sure how it works.Anyhow I was looking for some advice-i had my recent credit score from clear score and is says my score is down again even though I've cleared a few bills.But it also said that I have opened a new current account...that's it no…
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Barclarycard increase credit limit process
I have a Barclaycard and may need to put a large set of expenses on it, I've noticed there is an option to increase the credit limit on the card but there's not much detail on how long the process takes and any negative effects. I'm wondering if anyone has done this recently and how they got on, I realise there's a lot of…
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is LANDLINE useful for credit scores?
Hi, Basically, moving home soon and currently have BT internet with weekend calls (totally unlimited, 76 mb download, 20 mb upload) for £52/month including line rental. which is close to 17/month. New house already has Virgin cable connection installed, so I was thinking to take the one of the faster plans from Virgin and…
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comparison websites
Hi, I was trying to get car insurance scores (first time car driver). And my Noddle credit score has gone down from 659 to 619 Is this normal, or is it because I'm first time driver? Are there any comparison websites that do soft search. Regards
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Energy switch decreased credit score
Just cancelled my Experian Credit Expert account!!! My credit score decreased by 34 points this morning taking me from Excellent into the Good range. The reason....I've just switched from Eon to British Gas. Apparently that counts as a new credit account that's less than 6 months old??????? Been consciously trying to keep…
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Cars and Loans
Morning, I am struggling to get a 0% loan of £2000 on a bike and it is hard to understand. My credit report only have one blip which is that I have high loan value. I got both my wife's and my car PCP in my name (hers was a present from me). I have even tried to get a % purchase card, but get knocked back. My Experian is…
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Wescot Credit Services - fishing trip? Help needed
Hi all I received a text from Wescot Credit Services asking me to contact them and quoting a reference. I ignored it as spam after reading this forum. I have now had a letter, well more of a note addressed to me and requesting that I call them. It has my name and address correct and next to the heading "What is this about"…
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balance at bank when a credit card debt is sold
I've come across this before but not in this way ... Some of my credit card accounts were sold to debt agencies around 2003. I settled most around 2005/2006 with full payment. This was before I came across charges being unfair and PPI being mis-sold. In 2007 I made charges and/or PPI claims with the banks of my ex credit…
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about to default on credit - help!
Hi all, My father has been sprung by Vodafone with a very large bill (4 figures), which he strongly disputes - so much so that that he has gone and cancelled the direct debit. My big concern is that he needs to get a re-mortgage - and this is going to go down as a default on his credit file with Experian and the like! The…
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Does being in your overdraft affect your credit rating
If you have an arranged overdraft, will it affect your credit rating if you go into it? Say if you have an overdraft of £500 and you go into it and stay into for a few weeks will that have a negative effect when applying for credit? Thanks, Andrew
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Which Utilities do not report to Credit Reference Agencies (CRAs)?
Hi All, As the title states- which Gas and Electricity Suppliers do not credit search new customers and/ or report to CRAs? I would ask about Water too, but... I can’t find anything online in this vein already, however, feel free to point me in the right direction if I’m wrong and there is! Read on if you want to know the…
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Credit information not available at moment?
Looked online couldn't find any info... When trying to apply for a loan/Overdraft (Or Extending it) Barclays (Checked loan to see if it said the same as overdraft don't need one) It say's We're sorry but your credit information isn't available right now so you can't apply for an overdraft/loan online. I was just checking…
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I don't agree with a default. HELP!
I had a default on my credit file from 2013 (partner at the time took out a loan and didn't pay it). This is fine. I accept the debt. Since then I have moved house. In June 2016 a default was added to my account. I know ive made payments on time for over two years. Turns out this company (motormile finance) now owns the…
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Advice on post IVA situation
Hello I am hoping for some advice and would be really grateful to hear from anyone who has been in a similar situation before... I went into an IVA in 2011 but my circumstances changed slightly in 2013 so I managed to agree a settlement. I've been in the process of trying to improve my credit file and have since found out…
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Dates, deadlines and calender months - Erudio.
I am having, at the moment, a civil email conversation with Erudio Student Loans concerning some arrears from last years deferment period. The deferment end date, as printed on their paperwork, is the 14/7/2015, therefore, I presume I have up to 11.59pm on the 14th July to make a full submission? Correct, or should it be…
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1 bad debt in 15 years credit gone from v good to poor help!!
I allowed my daughter to use my name to get a mobile phone contract. As I mainly live abroad I did not receive communication until too late. In July 2015 I opened a letter from a debt company and had to pay 583. This has taken my score from v goo to poor. Now I need a small loan and cannot get one. This is my only debt…
