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Ikea 0% kitchen purchase
Hi - we're about to order a kitchen from Ikea, but seeing as we have lots of expensive building work at our house, we want to use their 0% purchase plan and pay back over 2 years. I assume they will want to check the purchaser's credit rating before approving, so I have a question. My other half had an issue with his…
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How many new bank accounts is too many?
Hi there. Any advice on the following scenario is much appreciated :) I recently switched my Santander 123 account due to the rate drop, opening 2 accounts with Nationwide (Flex Direct and Flex Regular Saver) and a Bank of Scotland Vantage. I also opened a regular saver with First Direct (not sure if this will show up on…
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Have they put me at risk?
I recently signed up to Experian to check my credit score which turned out to be very good so on 12th November I cancelled membership as I only wanted to check my credit score. On 16th November they've sent me an alert email saying that there have been 11 searches on my report (not carried out by me). I've had 21 years of…
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Next Directory Card
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Turned down for a phone contract
I applied for a mobile phone contract this afternoon, and was turned down despite having a credit rating of 617 (4/5), having no credit problems or financial issues. I have asked the company to tell me why they did this, and have checked with my bank. However, even if this is a glitch, my bank tells me that this could…
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Linked address causing problems
Hi. Really hoping someone can give me some advice. I've never had issues in the past with applications for credit and regularly keep an eye on my credit file. My credit report is currently showing as 'good' with a score of roughly 900. I recently applied for a new bank account but have been declined. The reason they gave…
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CCJ paid within 30 days
We attempted to sell our house through an estate agent, they were supposed to set up a direct debit for us to pay the fees for this. They never did despite my numerous requests for them to do it. Eventually they contacted us saying we owed them the £2500 and they wanted it paid now. We explained we were still waiting for…
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Credit scores oh dear !!
Today I've been chatting with someone who works within the payday loan industry, just happened to meet up by accident, so I thought I'd make the most of the fleeting opportunity that was presented. Asked them about credit scores, most people seem fixated by them, and it was always my belief (and most on here) that lenders…
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HELP! Disputed bills damaged Rating.
I have been looking all over the net for some answers and seem to be getting no where! I have recently disputed some bills/agreements. One for a leased vehicle final payment. I was charge an extra £400 for items that were included in the lease, this has finally been fixed but I was asked multiple times to pay the full…
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Will paying back a default help?
I know many people are saying ignore your score its fictional but it obviously holds some weight or it wouldn't exist and after all it is calculated based on your financial behaviour. My score is poor. Started the year at just 94 and now up to 349. My question is I have 2 defaults. I know they will show for 6 years but…
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Vodafone Default Advice
Hi. I am looking for some advice regarding a vodafone default from 2012. It is impacting my credit rating and I hope to get a mortgage in the future. After numerous calls to vodafone to try and settle this, I have been given two options and I am unsure which ones to go for:- 1) Wait for 14 months and the default with be…
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% of Available Credit
Hi Guys Hoping you can help. I currently have "Available Credit" of £15k (total credit allowance is £20k, with £5k on one card) spread across a number of cards. I only use the one card, it is a BT that is being paid off, none of the other cards are used. My credit file says I'm currently benefitting from only having used…
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Experian Query
Hi all I've just signed up to the 30 day free trial on Experian and I'm a little bit confused by it! (Doesn't take much!) The only debt that is shown on there is my mortgage. It makes no mention of my bank accounts, credit card or finance on my car. My score doesn't look too good and I've just been rejected by Tesco for…
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MSE Credit Club ratings
Mine shows "debt ratio" as weak. I'm wondering why. It is possible that it's because I've got several credit/debit cards with high spending limits? Several are dormant, just signed up because by doing so I got a big store discount for example and all are always paid off in full every month. Would explicitly cancelling some…
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Wrong address on credit files
I finally got around checking my credit reports on Noddle and Clearscore and I noticed some mistakes with my addresses. Both CRAs show an old address for one of my CA, but when I checked my personal details on the online banking page they were up to date (and should have been for 4 months, since I moved). On top of that,…
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Is student rental address a problem on credit file?
Hi I'm new to the forum so hope it's ok to post here. I wondered if it is a problem to have an old student address on a credit file? My son has just checked his Equifax file (for the first time as he wants to apply for a credit card) and he has a linked address which is his 2nd student rental address. It's linked because…
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declined for mortgage because credit file hasnt updated
Hi Im desperately seeking some guidance. please help if you can My girlfriend and i have just applied for a mortgage and both have excellent credit ratings, but to our shock we were declined for a CCJ that was appearing that was linked to my girlfriends credit file due to her ex boyfriend of 4/5 years ago. We have…
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Just turned 18...how to start building a credit score
My son was 18 in October and I'd like him to start building a credit score. I have no idea where to begin as it sounds like Catch 22 - most of the things that would help him build a score, he needs one to get! He has a bank account where his salary is paid into from his part time job but he has never needed an overdraft,…
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How much of a hinderance is being self-employed?
I've been self-employed (well actually I started a LTD company and will be getting paid through that) and have been looking at personal loans, credit on shopping (PC World etc) and they all seem pretty clear that you must be in full-time employment to be approved. Is this enforced in reality or do most places approve…
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Income too low to get approved for anything?
I work two jobs, and have a total income of about £8,800 a year. I only pay £280 in rent a month and my food for the month comes to less than £50 unless I treat myself. I have about £300 in "unspent" income a month, but everything I look in to I have a high refusal rate because my disposable income is too low. How can I…
