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Multiple phone accounts
OK, so we have 4 mobile phone account's, each with the same company, these all show on the credit file, each shows the accounts upto date and paid on time every month. My question is this, does this show as good or does it lower the score? Would it increase the credit score if I shut 3 and kept one or does the 4 look…
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Cleaning up disputed debt and ones from identity fraud
Ok so back in 2008 I got a phone contract and a few months they changed terms and kept telling me I couldn't cancel, after about 30 phone calls they agreed to either let me leave or drop my then current tariff to £15 a month and I wasn't held to the rest of the time period (which was another year) so could leave at…
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Joint bills with housemates
Hi moneysavers, I am currently renting in a houseshare. The bills are jointly in all four of our names and we each independently pay a quarter of each bill when it comes through. However, one of my housemates always forgets to pay their share of the bill. They always pay it eventually, but only after we've had a reminder…
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Have I got too much credit availability?
I have four credit cards. Card 1 - limit £8k, balance £5.3k on a promotional offer. Card 2 - limit £6.6k, balance £2.7k on a promotional offer. Card 3 - limit £7k, balance zero. Card 4 - limit £3.8k, balance zero. Total limit £25.4k, total balance £8k, 31% utilisation. Do you think I have too much available credit, and do…
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Reappearing debt?
Hi, I have a very old debt from around the early 00's that passed to a debt collection company and I've been making regular payments for the last eight years or so. For most of that time I haven't been paying much per month. The debt is no longer on my credit file. I have about £1800 left to pay, and they have contacted me…
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Bank account not mine on file
Hi everyone, so i have been checking my credit file well last year, and i have 3 defaults 2 i know of and 1 is a bank account with lloyds from an address i do not know, i disputed it with noddle who said they cant change it and to contact lloyds, i wrote to them and they have wrote back to me saying they don't have any…
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LCS contacting me, will it be on my credit file?
Hello MSE, So I got a letter for unpaid energy bills for a shared house i was in at uni. Turns out the person we paid our share of the bills to took the money. Our names are on the account so it's come back to bite me in the A**! My question is will this be noted on my credit report? that EDF have referred the debt unto…
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Car insurance checks on credit file
Hi all, my car insurance iis due for renewal and I want to do the usual price comparisons. Do these comparison searches show up as hard or soft searches on your credit file? I am in the process of improving my credit score and I don't want a lot of searches to negatively affect it. Thank you in advance :)
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Previous address search
I recently opened a new bank account and my credit record shows two 'credit searches' - one at my current address and one at my previous address. Can anyone confirm whether this counts as one search or two searches? Thanks in advance.
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Do I close a Jacamo account?
So I've got a Jacamo account that's been gradually been upgraded over a few years so it now has a £1000 limit on it. My credit report is quite poor and I'm in the process of paying off all of my old stupidities. The Jacamo account has nothing on it currently I paid the small balance off months ago but I'm wondering if it…
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CCJ set aside
Hi looking for some advice. I live in Scotland so my CCJ is called a decree so I don't know if that matters but here goes. I basically left a rather crazy relationship at the start of 2013 and was staying wherever I could until I could work something out as I worked locally. Finally I decided to move back home in July…
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Loan advice please
Hi there, I was wondering if I could have some advice. My boyfriend and I would like to be able to buy a house within the next three years - we have the deposit, the issue is my credit rating. I've been looking around and I've found that I qualify for a guarantor loan of £5000 (with my mum being guarantor) which would mean…
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Best poor credit CC
Which is the best CC for poor credit rating?
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Advice on Removing a Default on Credit File
Hello, I have a default on my credit file placed by one of the large mobile phone providers. I was about 9 months into my 24 month contract when the local mast stopped working for a number of weeks. It affected the locality very badly and even made it into the local newspaper. I was and still am a completely dependant on…
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bad credit affect spouse
Good morning, My husband and i dont have a joint account if he was to apply for finance would my bad credit affect his application. Many thanks
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Vodaphone debt
Good Morning Vodaphone are saying I have an un paid amount going back 6 years. I am trying to sort it out but as its a phone I have not had for that long I cannot remember the number Vodaphone are refusing to talk to me as I do not have an account number or phone number This is affecting the level of mortgage we are being…
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Incorrect info removed !
Hi I had incorrect information on my Equifax credit file, nothing serious just wrong. I contacted Equifax who in turn contacted the two companies, they were given 21 days to respond. Neither did and Equifax decided to remove the info. So that's all fine so far, however what happens now if the companies respond at any time…
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Please help - credit check for employment
I am so embarrassed about my past history, please don't judge, I am already ashamed and trying hard to put it right. Anyway I have been offered a job for a large financial organisation after months of unemployment. The offer is subject to a credit check. The job doesn't involve me handling money but they do the same check…
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Default impact
Hello I was wondering if any one could tell me how much impact two 4year old defaults that have been cleared would have on a new mortgage to move house . I am looking at borrowing a further 44 grand I also have been living out my over draft for many years . Other than that no loans and all boils paid on time. Thanks
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Removing an old bank account from credit report
Good Evening, Last year I got my credit report to check it over in preparation for applying for a mortgage. There was a Santander bank account showing on it that I had with an ex partner that I split up with 9 years ago & to cut a long story short in November last year we both went in to the local Santander branch and…
