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Help Needed - AlmostThere2017
Its been years since ive paid this forum a visit but ive had a productive few years which is great for my credit file. I need some advice however. Whilst ive been able to drop around 14 defaults off my credit file only a few remain that drop off my credit file next month. My questions are: 1. Is it advisable to pay the…
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notice of correction
Hi Has anyone managed to do this? Please advice how Thanks
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Default about to turn into a CCJ
Hi I am so upset and stressed. I really hope that someone is able to help me with some advice on how best to move forward with a difficult situation I find myself in. I had a default registered against me by Lowell on May 2011 for catalogue debt. I thought this was about to drop off my file in 2 months however I checked my…
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Credit score drop..
Hello, So 90 days ago my score was 908 on experian. Now it is 835. This isn't ideal as I currently have a mortgage in principle with TSB. I applied for the mortgage in principle with my partner who's credit score was lower than mine. Could it of linked our scores through an in principle mortgage? The only change I've had…
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Impact of Arrears on Credit File
This is my first post so I apologise if it comes across a little disjointed. Over the last year or so I have had some financial difficulties due to changes in circumstances and although I have managed to keep most of my payments up to date (credit cards, mortgage etc) I have a Bank loan that I had to reduce the payments…
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Mortgage and moving house
Hi All, Myself and my husband bought a house in December and since then we have both been refused credit. We have not missed any payments on anything or paid anything late. I was refused a new phone contract with O2 which seems ridiculous considering we were just allowed a £300k mortgage and I wanted a £12 a month sim only…
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Fraud affecting credit rating
Hello, I am posting on behalf of my husband. His account of the situation is below: I began receiving letters from a debt company in 2016 stating I owed more than £6000 on a credit card that had been taken out with Barclays bank. I have no knowledge of this credit card, I have never used this credit card and I have no…
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How to Start Improving Terrible Credit Score?
Hi, I have a client that has quite a bad credit record. 17 defaults about 3-4 years ago totalling about £4,000 in total. She has recently started clearing some of them, now there are 13 outstanding defaults with a value of around £3,500. We are in the process of clearing these defaults, and trying to organise settlement…
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Savings Accout & Credit Checks
Hiya Do banks credit check you to open a savings account? I'm looking at opening one with Tesco, however I have been turned down for a current account previously (with another bank) due to my credit history. Thanks in advance
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Credit Club - Disposable Income
Hi all, For the last 6 months i have been actively saving my butt off for a mortgage deposit. every month i transfer £200 into my help to buy isa (until LISA opens) and the remaining of my free cash i transfer into a high interest savings account. I joined the Credit Club a few month ago (amazing tool) and under the…
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MSE Credit Club: Mortgage/Rent question
I've put my income and my partner's income into my profile but I am unsure what to put for the last question about mortgage or rent. Do I put how much the mortgage is in total, or the amount that I personally contribute to it (half)? I originally put the full value and got a really good credit score but a poor…
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Very.co.uk account closed with debt left too pay, do I have too pay?
Sorry if this is in the wrong section, this is my first post. I purchased a PC via Buy Now Pay Later last June, having tried too access the account recently too find out which day specifically it needed too be paid by, I noticed the account is no longer in existence. How do I go about this, am I still liable too pay?…
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getting a default removed by virgin media......not as hard as you might expect
so long story short..... was a virgin customer for 10 years on a loyalty package. moved to non virgin area-asked for engineers to come out numerous times to clarify it was 100% non virgin area-weeks passed with no visit from them,i went with sky and totally forgot to pay my last 2 bills and the 1 i accrued whilst my…
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Failed verification while joining credit club
Hello, I'm new here and after some advice from anyone who's been in a similar position or knows the system well. It seems Experian don't believe I am who I am. All info I gave during the registration process was correct, I've lived at the same address for 21 years. The only thing I can think of is they asked me for a…
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Please Help with CCJ info
Hi there, I have totally buried my head in the sand and now I have come up for air! I have a CCJ against me, BUT, I don't have any information about who to pay, I've lost it all. I am willing to start paying it and want to do something about it but need some help with where I can find out all the information I need? Any…
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Telephone number when applying for Credit report
Do you have to enter a telephone number when applying for your credit report? I do not want my number to be publicly accessible to creditors as this will mean they start calling again, but I would like to have an updated report so I can see what is actually on my file.
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Account on Credit File in Status 'Default'
I had a credit card about almost 6 years ago, which I defaulted on. Since then, I've paid the credit card off in full (5 years ago), and the card should have been cancelled at that stage. I've recently checked my credit file, and the account is still showing up as status 'default' rather than 'satisfied'. I called the card…
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Delivery to Alternative Address
I had a very strange experience with an online retailer mandmdirect.com which has left me mystified. I placed an order with them online and requested a different delivery address from the billing address. They called me back and said they had problems processing the order, and how long had I lived at my billing address. I…
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Credit score drop after getting credit card
Hi being working on my credit since the start of year and received a capital one credit card with a £200 limit then last month I got an aqua Card. Aqua 1st statement due 14th but will be paid and the capital one paid off in full. Yet my credit score has dropped by 200 points...... I have looked at the only other reason i…
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Credit Score Building
Hi I am looking for some advice, I am considering applying for a mortgage. I have a problem in that a credit agreement I co signed with my parent was defaulted, however this default is 6 years old in August 2017 - and I understand it will fall off then. Other than this I have a good credit history, no outstanding debt,…
