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Help with Credit Report
Good afternoon everybody, I am wondering if anybody can help me. I brought a property with my ex partner back in 2008, we separated in 2012, she remained in the property and it is my understanding she did not pay the mortgage and the house was repossessed and sold at Auction. The mortgage was in joint names so we were both…
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Ccj
Hi, I'm looking for advice about old CCJ's showing on my credit file. I had a huge one, £24k, that was completely cleared almost 2 years ago. It still shows on my file. They won't remove it without a notice of satisfaction from the court, but they say they can't provide this as it was never properly registered. All I have…
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Looking for advice/consultation on how to rebuild bad credit file
Hello - could anyone recommend a financial advisor who can advise on rebuilding a bad credit file? I wish Martin offered consultations! (My file is in a mess, with a score of 250. I defaulted on a credit card at the end of last year, so now I'm going to have a black mark for the next six years, and no hope of getting a…
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Anglain water searches on credit report
Recently checked my credit report and its showing 2 credit searches by anglian water services.I have never lived in the area that anglian covers(actually live miles away!) .I've rang them and have been informed the search could have been carried out in error when they have been trying to trace a person of a similar name…
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Closed Accounts On Credit File
Hello, Good morning all. I have a few questions about my credit file with closed accounts. I got into quite a bit of debt about 5/6 years ago, since 2013 I have been with payplan paying off my debt slowly. I recently got a letter from Ladderloans saying my debt had now been written off so it got me curious so I looked at…
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Account showing as settled?
Hi Guys just wondering if someone could shine some light on this. Basically I've checked my credit report and there's a few accounts that had defaulted showing as closed and settled even though to my knowledge there was an outstanding balance. What does this generally mean? Has it actually been closed and settled? Thanks! O
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Bills sent to wrong address?
We switched electricity providers at the beginning of December. Submitted final readings to new supplier as instructed who passed these onto old supplier. We had yet to receive a final bill, but today I received an email making a final demand for payment, before 'enforcement action' would be taken (transfer date was 5th…
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Fraudulent ex affecting credit score
My partner and I have just been refused a mortgage due to his poor credit score. After obtaining his full credit report it appears that his ex has had several pay day loans and other loans which were paid into their joint account at the time. My partner had no knowledge of this. Furthermore we suspect she has obvtained…
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Default
Hi, looking to get my first mortgage, so completed a £2 credit check and found that there is a default from Feb 2016. I haven't received any letters informing me of this at all. Are they allowed to do this?
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Debt
HI There, I paid Apex my outstanding debt of 400.00 4 years ago now. I paid 200.00 one month and then 2 weeks after i found that i had another 200.00 to spare so paid this directly. After contacting them about this numerous times and sending my bank statements to show i paid it they sold my 'debt' onto Robinson way. So i…
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CC age vs credit limit weighting.
Hi all, I'm not sure if this is best asked here or over in the mortgages section; admins please move if it'd be better there :) My partner & I are FTBers and moved to the UK just over a year ago, so our credit history / UK address history only goes back 15 months. At the risk of being chastised; I've signed up to Experian…
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Credit card application denied, surprised by low score
I've been in the UK less than two years and initially I couldn't do anything, even get a non-prepaid phone because of my lack of credit history. I thought that wouldn't be a problem by now though. I got an AMEX card as soon as I arrived by taking advantage of AMEX's international transfer, and so the account history shows…
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Address history clarification
I'm hoping for some guidance on what I should be doing about my address history information. Throughout university and since beginning work I have kept my bank details registered at my Mother's house where I was only present during the holidays and now not at all. My primary reason for doing this is that I typically move…
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Mortgage CCJ and Default
Hello I desperately need to get a mortgage, i have been offered to buy the house that i am renting, Price 265000 Deposit 100000 possibly 120000 The problem I have is I have a cci 3.5 years old for 2080 satisfied within 3 months 1 default for 1020 which is 4 years old and partially satisfied I own a property outright which…
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Improving Crediting Rating While Paying CCJ
Will my credit score improve while paying off a CCJ? I understand the CCJ will stay on my credit file for 6 years and make it impossible to get credit during that time. But, will six years of consistent payments towards the CCJ made on time actually count as a positive on my credit file and improve my score. To frame it…
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Next Credit Account
I have a next credit account, limit is £450. I maxed it to buy new work clothes, suits, shirts etc. It's 0% interest for six months, I'm paying it back over the next 6 months so I'm not incurred any interest and hopefully it would improve my credit rating. However... I've read on this site Next is really bad for my credit…
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Experian report incomplete, financial information missing.
Hello :hello: I haven't signed in for a long time but I've been lurking away in the background!! I had reason to believe something wasn't quite right with my credit report recently so requested my statutory report from Experian. When it arrived it had all my address links, financial associates etc but it only listed three…
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How to be a stable nomad
Thanks for the replies. I have deleted a lot of personal info as things have moved on now.
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CCJ finally dropped off but still no hope of loan?
Hi. 6 years and 2 days ago we were issued a CCJ when we were in financial trouble when the kids were born. I have worked tirelessly to improve my credit rating make sure that every single bill or payment is made in full and on time for SIX years. After a few years I was allowed a loan and a credit card and have had to use…
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A Mistaken Credit Report
Hi All I would be very grateful if any of you out there could help me. I ran into some difficulty financially about a year ago. I got thrown out of my apartment and was living with a mate, who has since passed on. The reason i was kicked out was that i couldn't afford the rent, the letting agency took me to court, i could…
