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Credit Card Utilization - Credit Rating Effect
Hi there, This is my first post in the forum so forgive me if it's not in the correct area. I'm currently saving for a house deposit as a first time buyer and so am trying to cut my spending as well as reduce my debt and improve my credit rating. Up until recently I had 2 credit cards but I've just taken out another…
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I have money, but no credit rating!
I have very recently purchased a flat in the UK after many years of living in France. I own my main residence in France outright and have money in my bank accounts both here and in France. Unfortunately I have made a couple of applications for credit here, but have been turned down as I haven't lived anywhere in the UK for…
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Suspended bank account - old fraud - need a mortgage - advice now needed!
Hi, I am posting on behalf of a friend, as I have searched everywhere and can't find an answer to her query! Let's just say she used to be a 'wild child' as a teenager - and she once tampered with a cheque which wasn't for her, paid it into her bank account (successfully) and withdrew all the money. The bank then suspended…
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Default from BT
I've just received a letter from moorcroft advising me I owe £80 to a BT account that I closed in November. I previously disputed their claim that I was terminating early as they messed up my order so much the delay on my service going live was theirs, something which they acknowledged at the time. I was also advised by…
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will this help my credit rating cash-plus overdfat
Hey I am a newbie, Basically I have had a lot of defaulted accounts which i am paying off bit by bit, to improve my score further i got a cashplus pre paid car loan where you "pay back" £5.95 I have been doing so for about 6 months now, they have just offed me he Cashplus Overdraft is yet another great service available to…
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Improved income
Hi All, My income has improved, How/Whom do I notify ( IF anyone) I'm sure when I signed up to this site I had to put my income, Where can I change that? Any suggestions ? Thanks
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Equifax NOC
Oh my god, possibly one of the most frustrating experiences! I want Equifax to remove a NOC from 2004! Has anyone ever tried calling them?! I think they must have a phone line from the 80's to india!! You can hardly hear the CS rep, then getting them to understand you is another mission!! Experian on the other hand, called…
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Wescot/ Halifax won't let me pay my debt!
Hi Everyone, Hoping someone can help. A few years ago I was silly and got a credit card. I was paying the installments back every month for about a year and a bit (or so I thought) it turned out the direct debit got cancelled and the money wasn't going out for the last 3/4 months (I genuinely had no clue and still to this…
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Lowell Default
Good morning, My boyfriend has a credit score of 480 which unfortunately is being held back from a default which was given in
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CCJ - Mediation
Good morning all, I received court papers re Lowell relating to a phone contract I supposedly had with T-Mobile from 2009. I filed my defence stating I had absolutely no recollection of the debt as I am 100% positive that I never had any sort of mobile phone contract with T-Mobile. I sent a letter to Lowell asking for a…
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Shawbrook Bank Ltd
Hi I have been checking out my free credit score as I do every month with clearscore. I have noticed that under the QUOTATION AND PERSONAL SEARCHES I have one for a Shawbrook Bank Ltd. On the 27/01/17 there are 2 Search for Credit Quotations. I have no idea who Shawbrook Bank are and why they are doing soft searches on me.…
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Credit Score takes hit
Evening, October last year I applied & was approved to transfer to the First Direct bank account as mentioned on MSE. I went on holiday during this process and sent the paperwork off when I returned. They then called me to inform me as it was after 30 days from my initial application I had to apply again. Whilst this went…
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Lowell Finance Ltd
Evening all. I have got a letter from Lowell Finance Ltd today, stating I owe money on an O2 (UK) Ltd account. At no point in history have I ever had an O2 account. I haven't even had PAYG O2! What's the score and what do I do?
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Ongoing mystery default
Please help, advice on what to do would be very much appreciated! I have looked at my credit report before and although my credit score was pretty dire, I put that down to some old (2013) defaults when I was more careless and a pretty high utilisation percentage that I've been working on decreasing. However today I thought…
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MSE Credit Club Login Issues
Hello Folks; I have been having issues logging into MSE Credit Club lately. I have been trying to log in the last couple of days, but end up with a "validation pending" once it gets to step 3 verification. I have been trying the last couple of days with no luck. This also happened about a couple of weeks back, magically it…
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NatWest warning
I got a message in NatWest online banking saying that I qualified for an increase in my credit card limit to £xxx. I then followed their links and applied for my limit to be increased to this amount. I then got a text saying that my request had been declined but they were able to increase my limit to a smaller figure. Now…
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Declined for credit card
Hi, I've had a really good track record with my bank, never been in overdraft, always had money going in (was living with parents so no big expenses). Paid a couple of bills from it on time always. I've never had any debt. I recently applied for a credit card from this bank and was declined, which I find very strange. Any…
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Electoral Roll Address
Hi, all credit applications I've made in the past have been denied, and I wasn't sure why until now. I found out about clearscore and signed up. I found out that I'm not on the electoral roll at my current address. I thought this was weird as I voted in the referendum, so I phone my local council. They confirmed I was on…
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DMP and impact
Hi I'm a long time mse user but posting under a new name as no-one knows our situation. My husband is a year into a stepchange plan paying 660 a month. My father passed away last year and has left a sizeable amount to me. Are we better to look at paying the debts off in full or offering settlement figures? We'd like to use…
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Historic CCJ
Some years ago my finances were in a bit of a mess. From this time I have a CCJ on my credit file. It was registered in July 2012. I have contacted the court and found out that the claimant is United Utilities. I still have an account with United Utilities and they are not chasing me for outstanding payments. Therefore am…
