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Refused for a credit card
Hi, I've been with my bank for a few years and have some decent savings. I've never been in overdraft with them, and was living at home so no bills or anything. I recently applied for a credit card with them and was refused. Could this be because I don't have much credit history? I've never checked my credit record, but I…
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Not my debt worries
I was hoping for some advice here, last night I received a letter from a debt collection agency asking for £600 odd on behalf of a power company we are no longer with. We were with the power company back in 2015 at our old house and when we moved we paid in full and closed the account. I spent a long time on the phone last…
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Joint tenancy and credit ratings
Hi, Me and my partner are moving in together. He has a very poor credit rating and I have a very good one. If we get a joint tenancy will his credit rating affect mine? Also, if we get bills in bothis of our names, will this affect my credit rating at all? Thanks so much for your help.
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housewife with no credit score
I have been married for 20 years and everything is in my husbands name. I am a homemaker and therefore have no income. My husband earns good money and I don't claim any benefits. How do I create my own credit file so that I can build up a credit rating should anything happen to my husband?
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Hard credit check affect
Hi, I'm looking at getting a CC and have been given a score of 921 by Experian. I am in the process of beginning to get a mortgage so would like to get as high a credit score as possible. However, I don't want to deter my score too much by getting a credit card (ie having the hard check on my history) either. So I'm…
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Old SIM card destroyed mortgage application
Hello all We have recently been making mortgage applications through a broker and have come to a complete dead end. No lenders will touch us and it's all due to a daft error relating to an £11 pm SIM card. My wife had an old SIM card in her iPad that she had an initial 12 month contract for. 3 years after the contract…
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Mse credit club and experian
Are many people using the MSE credit club? I understand that the data is based on the Experian credit file BUT, my Experian score is 744 & my MSE credit club score is 893 (which is also based on the Experian data)? eh? what's going on? ps - I do like the MSE credit club - good idea and very informative...
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Credit scores
Hi all, First time poster - I hope you're all good! I had a few questions regarding my credit score. I am saving for a deposit for a house and reducing my debt at the same time. Currently in my O/D near the limit which I am slowly reducing (this is costing me about £7 a month in interest. I have two C/cards on 0% one which…
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Virgin Media placed a debt on my credit file
Last year after suffering lengthy issues with broadband service with virgin media I decided to just get rid of them as I explained to them that they had not fulfilled their part of the contract in providing me with a usable broadband service and I was not going to pay for something I was not receiving. They then proceeded…
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Defaults
I got a copy of my credit file. I have a default. Why do they stay for 6yrs? Who decides that? Is there anything I can do to remove it before 6 yrs ? Also if you enter into an agreement with a creditor to pay a set amount is this a default? Thanks :)
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Account showing as closed when it's not
Hi, We are looking to get a mortgage (first time buyers) so I've been checking my Credit Report. Turns out that my main credit card (paid off each month) is showing as closed with an outstanding balance. Well, it's most definitely not closed! I contacted the provider who just said that they can confirm the account is open…
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Question
Does taking out direct debits help boost your credit rating, providing you pay on time?
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Switching bank affecting Credit Score?
Hello, I heard that switching bank account is affecting credit score. Is that true? I bank with my current bank 12 years and I do not want to ruin it to get 100 pounds for switching... Thanks
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Car insurance prices ridicolous CCJ?
So i have two ccj's im currently paying off also had my car insurance cancelled over xmas as i lost my job. come to re insure my car im looking for £1300 1 year NCB 26 years old driving 9 years. i do have 4 year NCB but it used on my work vehicle a pick up truck. Anyone shed any light? Feels like ive just passed my test…
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Car finance with a default
I'll try make this short and sweet. The situation is this. I'm after a new car, currently have 2 defaults but one drops off on the 26th of this month so I'm going to wait till beginning of march to apply. The remaining default will be 3 years and 2 months old, worth 168 but settled. I currently have a car on finance with…
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Should I be still trying?
Hi. I have been in financial difficulties for over a year now but I am starting to see the end in sight. I have checked my credit rating and I am at very low, I have been in unauthorized overdraft territory with my banks and have missed payments and been cut off with virgin media and my mobile phone a few times and made…
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Credit check verification fail
Hello, I've been having a problem recently where credit checks "fail" because the company is unable to verify my identity. This prevented me being able to hire a car, I get "verification fail" when I try and log in to the MSE credit club and I'm about to move house and am worried I'll fail the reference for the tenancy…
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Barclays closing my account
Hi I'm in a strange change debt plan and I'm paying Barclays credit card £115 per month. They wrote to me today saying they are closing my account and putting a default against me as £115 is not enough! I have never missed a payment to them so unsure why they are now ending the debt plan. What should I do? Step change said…
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Card Refused
So i did what martin says - tried his eligibility checker, all good - went to barclaycards site - did their checker 9.5/10. Apllied for card so far so good - first application looked dodgy as it had nothing at the end of the app. 6 days no contact so tried again thinking first was bad no problems here. Rang next day just…
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When did I start work for current company
I started work in the Civil Service in 1990. I got TUPE'd out to "Company a" in 2007 They got taken over by "Company b" in 2009 I then got TUPE'd across to "Company C" in 2012 According to my personnel records with "Company C" my date of joining is 2012 however it also states my "Statutory date of joining" as 1990. On the…
