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I feel my score doesn't accurately reflect my file?
Hi All Having a bit of rant but also looking for some advice as well. I'm a 23 y/o male, with no dependants living with parents and not financially connected with anyone else. I've had credit back and forward since I was 18, and have had credit accounts open (albeit not the same ones due to paying off and starting new…
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Cap 1 searching every month
I have several Credit Cards. All are up to date with no discrepancies since 2011, then it was up to one month late on one card once! They are all used, but not maxed out! and I pay more than minimum amount to all without fail by Direct Debit. I use Noddle and can see that the only searches over 2016 were from Capital One…
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Changed name on electoral roll and now don't exist!
I've changed my name in September to my new married name on the council electoral roll. Sent evidence of my marriage certificate etc to council and they have amended their end. Just gone to my Equifax report and it says I'm not confirmed at my address and shows my new married name and this updated November 2016. I've lived…
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iD Mobile delinquent account on Experian
My credit score has just dropped by 500 points to very poor as Experian show a delinquent (more than 4 months old) account with iD Mobile the telecom provider for £27 !!! This account was passed by iD Mobile to debt collectors and I disputed the account as (a) I had never activated the Sim as it didn't work where we live…
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Dysfunctional credit reporting makes me £15
In summary - my 'financial associate' went to buy a load of furniture to the value of £1500. On offer was the typical 'take out a store card and get an extra 10% off'. Nice one. Let's take out the card, pay for the furniture on it, then bin the card. Problem - failed the credit check when attempting to open the store card.…
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How did he find out?
Hi all, I wonder if anyone can help me with this one? A friend of mine who works for her father's small family business recently bought a newish car (in her own name, it wasn't a company car, nor was the company paying for it) and her brother got insanely envious about it. So much so in fact, that he did a search and got…
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Payments to debt recovery company showing as defaults on credit report
Hi there I am looking for some advice. I have been paying a debt recovery company payments for a debt for the last 6 months (Westcot), on time every month. I have checked my credit report today and although the balance is dropping, each month I have made a payment it is showing as Default. Why would this be?
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Car leasing with poor credit
Has anyone here ever had any experience of car leasing with poor credit? I'm starting a new job soon that offers a car allowance but my history isn't good and I'm in arrangements with a few creditors at the moment. I already have a car but we'd ideally like to keep it as a 2nd car for my husband and children and use a new…
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Noddle Credit Score
Hi all, I have been using Noddle for 3 years and every month for the past 3 years, I have received a credit score of 4/5. My most recent monthly report has indicated that this has now dropped for the first time in 3 years to 3/5. I have not applied for any new credit in the last month and have never defaulted on any…
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Defaults on credit file
I have some defaults on my credit file from a loan that are around 5-7 years old. At the time, I was defaulting every month as I couldn't afford to pay back anything. I've not had any defaults or anything in 5 years, so was hoping these defaults would be dropping off my credit file month by month. But the report I got from…
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BBC Programme on Credit Reports
BBC Radio 4 Money Box programme today was all about Credit Reports. Whilst regular posters probably won't learn anything new. It is worth listening too if you are not that familiar with credit files, credit reference agencies, scores etc. http://www.bbc.co.uk/programmes/b086s8yn#play
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Credit File & Money Saving expert
Checked my credit file this morning and moneysaving expert appears on it. It's suppose to be a soft search so lenders cant see it right? So if I can see it does that mean they can? Tried reaching out on twitter to no avail.
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Failing credit check due to old address on file
Hi all, I'm banging my head against a wall on this one. I am, now and then, declined when using my credit or debit card online or on the phone. As a guess 6 months ago I tried a declined transaction with my old address and it passed. This has worked several times since. Just this evening I tried to pay my Santander credit…
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Credit Score Collapse
Hello MSE, Over the past 3 years I have been steadily rebuilding my credit score - to 995 as Experian rate things. Today I wanted to complete a balance transfer of a credit card and performed a credit check before applying. I was horrified to find since December 2016 my rating has plummeted by 562 points. This is due to 2…
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Mortgage Preparation Advice - Credit File
Hi everyone, I am just looking for advice on how to get my credit file and finances in order for a potential mortgage application at the end of the year. Last year my partner and I had to cancel our mortgage application because of my low credit score/bad credit file and an administrative address error on her side. Now I am…
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Delinquent credit advise
Hi guys, Just a quick one. I have a 'delinquent' showing on my credit report from Shop Direct (very.co.uk). I know that 3 payments were missed, as I was in hospital, but my credit repot shows 4. It has late payments showing 1,2 then 4 months late (jumping from 2 to 4). Now I raised a dispute over 3 months ago with Experian…
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Sudden dip in credit rating
Good afternoon all, I have now been debt free for 2 years and over the past 6 months have finally got around to repairing my credit score. I opened a new credit card after using going through the advice provided through MSE and pay it off each month. My credit rating had been slowly improving, but last month it suddenly…
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Settling car finance early - then applying for new finance?
Hi all, My insurance will be settling in full for a car that was written off. The car was new and was financed in July/August. My question is whether i am likely to be accepted for a new finance deal because of how recently the last one was - even though the balance would be settled in full? Any advice would be great!…
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importance of a landline and credit rating.
Hi, Sorry if this is in the wrong place. But i wanted some advice on the affects of not having a landline would have on my credit rating. Like thousands of other people i am currently tied to having a landline in order to get broadband. However the opportunity has come about that i can switch to another provider without…
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How to manage potential credit and affordability
I've assumed that holding credit cards and using them here and there for small purchases and paying them off immediately would reflect well in my credit record. However, I've started to wonder whether the opposite is true as it could appear to potential lenders that I could quickly sink myself into an unaffordable debt pit…
