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Confusion over default
I cleared my debt this August & the credit card companies said it would say fully satisfied after 8weeks but on clear score says still in default & it doesn't matter as it will stay on my file for 6 years from when I defaulted😥:(
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Credit Reference Agencies, What's The Point?
I have seen endless comments being thrown around that credit scores are meaningless, therefore a marketing ploy, while this may be true for credit reference agencies like Experian and Equifax what's the point in £14.99 a month when only you can see the "score" while creditors have an internal system that rates individuals…
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Catalogue to improve credit rating?
How easy is it to get a catalogue? Does it improve credit rating?
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600 points difference in my reports!
Hi I've been working through my debt for the past 12 months and making good headway. But over the last 3 months, I've seen my Experian report go up and my Equifax go down. There is now over a 600 point difference. It's really starting to worry me. Has anyone else experienced such difference scores? Is it just a waiting…
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Different ratings - help!!
Hii everyone - I am trying to pay off all my debts (I am not massively in debt, but I have a few that I want to be rid of) and I am trying to get in to a position whereby I can get a mortgage in the next few months. I no longer have any overdrafts, and my credit card usage is at about 50% - always paid on time and will be…
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newbie help
Hi all sorry but i could not find the right forum to ask my question but maybe someone can help? loads hassle with neighbour who works at a barclays contact centre just found out she is telling all of my financial position what do u suggest i do ? thanx sue xx
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Experian Credit File
Hi Hope someone can help. Up until yesterday i had an experian score of 913 which was in the good category. I applied for a Santander 123 account and was accepted and guess what? my score dropped to 867 and now rated fair. I didn't request an overdraft, i just wanted to change from a no frills account to something that…
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MSE Credit Club Qs
Hi, Just got some questions that I can't figure out and wanted to give some feedback on the tool to the MSE team. It's a useful tool and thanks for making it available freely. However, there are some oddities that I can't get my head around that I hope someone can explain. Credit Hit Rate: I signed up to the credit club…
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How to improve stagnant credit score.
Hey there I've been a long time follower of MSE. I seem to have exhausted all of the tips in the various guides for improving my credit score. It has been at the same level for quite a few months now and I am not sure what else to do. I have a long history on my current account, I'm on the electoral and everything else. I…
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Gym might ruin my credit score
In February I went to dw Preston on a day pass I filled out a membership form with the manager James Whittle leaving out my bank details telling him I would bring them in the next day , the next day I rang up saying the gym had not improved since the last time I was a member and I wasn't going to go back.I looked threw my…
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Credit Report Before Mortgage Application
Hey guys, I am currently saving for a deposit to buy a house and will continue saving through 2017 with the plan to get a mortgage early into 2018. I paid off all my debt last year after being really terrible with money for years. My credit reports all looks ok, With the exception of 9 late payments. 7 of these will drop…
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999 out of 999 score but only 58% chance of acceptance?
Just used MSE and Experian to check my credit score, it shows as 999 out of 999 but on MSE's website is says my 'hit rate' of getting the best deals would only be 58%? Why is that? I'm 23, full time employment for 2 years after finishing uni, have a credit card i pay off in full and on time every month? Could it be because…
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Insurance Policies and Credit Checks
Hi all, going through a mortgage at the moment which is all going ok (touch wood). I'm thinking of getting some Unemployment Insurance and paying monthly. Will this involve a credit agreement and if so, do you think I should wait until I've got my mortgage offer? Or will it not matter? Thanks if you can help!
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Credit score excellent but credit card ap rejected
My 0% deal ended a few months ago so in summer begin looking for new deals and applied to Sainsburys bank. I was accepted but they kept losing my ID, my credit agreement and after numerous calls in a very busy period of my life, I gave up. After my current deal ended and I had paid the amount off in full, I contacted them…
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Missing Promotional Rate Indicator
Not long ago I obtained a new BT card and made a 0% balance transfer. Experian credit report now just updated with September statement period (i.e. previous balance and payment being September statement balance and payment) and the Y for promotional rate is missing after being there for only 2 reporting periods, giving the…
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MSE Credit Club Report Missed My CCJ
Hey all, I signed up to the MSE Credit Club and have to say it's an excellent service. However, it seems to have missed my CCJ. I previously requested all three credit reports using the guides on MSE and all three have my 5 year old CCJ on there. It came about due to a dispute I had with a lender .. but that's a whole…
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CCJ on file
Hello, I've had a credit card debt on my file for over 6 years, I asked about this before on here and was advised to leave it as it would clear (it was just coming up to 6 years then) so I took the advice on board and made a decision to leave it. I've now noticed the line on Noddle with the debt is gone, but now there is a…
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Advice Please!
Hi MSE community I have an odd one for you - hopefully someone can help. My dear little brother turns 40 next year. Unfortunately he is having a bad time financially and is subject to some kind of citizens advice repayment plan on his debt. He is not bankrupt and I do not believe he is subject to an IVA. I am very lucky…
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Balloon Payment on Car Finance
Hi all, Please can someone help or give me some advice, 3 years ago I got a KA out on finance with Ford I have paid every month and its always been my priority, My three years have just ended and I now have a balloon payment of £4000.00 to pay if I want to keep the car, (All along even the day I bought the car I wanted to…
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Credit score query
Hi all, Wondering if anyone can help please, we have sold our property and are currently living with family whilst we wait for our new home to be built, which completes march. We have already had our credit search and a mortgage offer issued to us which runs out march and we have been advised not to take out any additional…
