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Should I cancel cards? credit score
Hi I am currently trying to rescue my credit score after a few years of being young and irresponsible with my finances. I currently have 4 credit cards which I will have paid off in the next 3 months. Once I have done this, would it be wise to cancel 2 of the newer cards? The main card is around 5 years old with a credit…
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Interest free period
Hi I got an email to say my next account interest free period will end in April. Now I have paid anything off within a month of the statement production. If I continue to do this when interest free period ends will I be charged interest or not? Thank you
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Wrong Name on an Account in my Experian Credit Report
Hi All, I've checked my experian credit report and there is an account on there that has a different surname to mine, can i simply ask for them to take this off my report? Has anyone else had any similar experiences? Another question, i noticed that my current account balance in my report always displays as 0 surely this…
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Why is it so stressful?
So we're looking at putting our house up for sale and wanting to buy a bigger house. Last night I registered for the credit club and noddle, and I'm left feeling rather confused and stressed. I was initially pleased when I saw the score from Experian at 965...however, underneath my hit rating is very weak :/ on further…
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virgin account
I closed my account with virgin for my tv, phone and broadband in January. Just looked at my credit score and it has dropped by 110 points and the only difference on my account is the virgin closure. Why is this cause it seems stupid
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Incorrect information with one CRA
Hi Can someone help me out, I had a joint account with my Ex which went into default. The default date was 10/02/11 and I settled the account as soon as I learnt of the default. The problem is the default had been cleared by Experian and Clearcredit however Equifax have not updated the record. I asked Equifax about the…
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Tips to improve credit score please
Hi all I've been debt free for 7-8 years and have had no credit cards in that time. I would now quite like one, to improve my credit rating and as a back up - my holiday this year cost £400 more as I couldn't pay for it there and then, whereas I could've paid for it on a credit card then paid that off instead. My Equifax…
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Credit club findings......
Hello all, im new here ! On signing up to the new service, I note that the eligibility checker gives higher eligability rankings than the actual company websites !, and that my Experian score is higher than my actual Experian account score on the same date This is somewhat misleading, so would advise anyone to double check…
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Effected credit rating
I have an agreed overdraft with my bank (HSBC), occasionally i have gone over this without realising and then HSBC have notified me. within days I am then able to transfer money to be back in credit from an adjoining savings account. Does anyone know if this will effect my credit rating?
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Credit Score Help
I am after some advice regarding my credit.I have recently been knocked back for a loan even though the bank says I am a very good customer.I joined a few credit scoring companies and have 4 negatives against my name.1 of the negatives is 3 debts adding up to about 1200 pound.If I pay this off would this then be cleared…
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Removing Settled Defaults early?
Hi everyone. I'm new here and just wanted some advice. I had an unfortunate situation happen in August 2011 where I had to leave the University course I was on due to personal circumstances. Naturally my funding stopped and due to a mismatch between the Unis computer system and DWP I did not receive any assistance for 8…
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Interest free credit.
My daughter has recently ordered a bed costing over £1k on interest free credit from Dreams. The finance being covered by Barclay's. The finance was agreed and the bed delivered yesterday. However, she has not received any finance documents, and the direct debit has not been set up. Does anyone know how this works, have…
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What order to sort things?
Hi I wasn't sure which board to put this in so I'll start here and see what happens. The headline is I'm now (as of 2 weeks ago) looking at getting a mortgage within the next 6 - 12 months, which means I need to change how I deal with my finances. At the moment I have a total of £6k debt, of which £4k is on a 0% credit…
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try elsewhere or stuck
I enqired about a loan (santander ) and was accepted , i have the paperwork and just need to return it in order to get the money BUT when i enquired they were advertising a 3.1% interest rate which sounded fine they put me on hold while they checked my credit rating ( which was excellent ) then came back with an interest…
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Boosting Bank Internal Score?
Just wondered if having multiple products like home and car insurance from your main bank boosts your overall internal score at all? I'm with NatWest.
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I've been scammed
I don't know if I've posted this in the right place. I hope someone can help. I had a letter this morning from bw legal saying they represent PRAC Financial and have acquired the debt I previously owed to The Money Shop (hundreds of £s). Thing is I have NEVER had anything to do with The Money Shop. I didn't even know they…
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Asking lender to update with the agency
Hi, I've got a personal loan with Tesco bank. I'm plaining to make a one big payment to clear about 70% of the loan. Would it be possible to to ask them to update their records so my debt is only showing remaining amount to pay ? As now ,even though I've been paying for the loan for over a year now ,it is showing full…
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Getting a default overturned
Hello I wonder if anyone can share any of their experiences of give any advice please. In Feb I got a letter from Barclaycard saying I needed to make a payment before 24th Feb or they might register a default etc. Stupidly in my mind I read this as 'by' 24th and during Feb I begged and borrowed and together with some of my…
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Energy Bill Direct Debit - In Debit?
Morning all Hopefully someone can help me... I've just moved energy supplier to a cheaper deal and based on my consumption with the last supplier they set my DD payments at £44pm (fine). I provided my 2nd set of readings yesterday, hence to get my first bill and I'd used £45.10 worth of energy. I am now in £1.10 worth of…
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Late payments with virgin media....affect mortgage or not?
I have quite a few late payment strikes against my name with virgin media from over 3 years ago, it was due to me paying over the phone as I had to cancel direct because of redundancy. I am no longer with virgin and I owe them nothing but I didn't realise about all these late payment strikes until last night. For the past…
