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How can i build my credit?
Hi, Im 21 and have only come to realise how important credit scores are and need to improve mine. I dont have much of a credit history, my file only shows my bank account, my old bank account (closed account), credit card, and a default. When i was 16 i opened a credit account with very, i lied when putting in my details…
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Default advice please
Hi I have questioned a default on my credit file from Lloyds which has recently been passed to Wescot. I am in a DMP with Stepchange and have greatly reduced my debt. all other defaults have long dropped off my credit file bar two with Lloyds. I have a default letter from them dated May 2011 & I am pretty sure if I look…
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Conflicting credit scores - both Experian!
Hello all, This is my first post and I hope someone can help as I'm quite confused! I have checked my score on MSE credit club which has increased gradually over the last 6 months. I have not checked Experian Credit Matcher (ECM) for some time and checked it today and was shocked to see the score was completely different…
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Notice of corrections on Experian through Credit Club
Can anyone find where you submit a notice of correction for your Experian report? I have found guidance that says "Use the “Query Your Report” tab to send us the text for your Notice of Correction", but I can't find that tab! A CCJ that I am told will be set aside is still there. Parking eye kept photographing me on the…
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This 6 year from default thing.
Hello, Can someone advise me on two things.... 1.When does the default kick in ? The first time I missed the payment ? 2.How can I find out the exact date the 6 years is up ? Thanks.
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Vodafone hell
Bit of a long one…. (trying to make it shorter) I had a mobile phone contract with Vodafone a couple of years ago, and there was an outstanding bill of £700 (I don’t know where this came from and they are unable to give me the bill for this. Regardless of this fact, I paid them £300 of this amount and before I knew it the…
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Linked addresses on file
Good Morning I have noticed on my experian credit file that i have linked addresses going back 10 years, is there a way to remove these to clean up my credit file?
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Linked Names
I have been divorced from my wife for over 10 years. Recently I checked my credit score and it links me with her at her new address. How can this be?
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Best credit card to build credit
My husband wants to take a mortgage in the future so we have checked his credit report.... - He wasn't on the electoral role so we have added that - He has no debts - He has no credit cards - He only has one open account Barclays Bank - He has four closed accounts. Amiga which has a zero balance, he loaned £2500 and…
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Debt Collector Payments
Hi About 2-3 years ago when I lost my job I defaulted payments to a credit card I had and a Very account. Because of this they passed it onto debt collectors. I arranged payments with them and have paid consistently since, the payments are due to end September and November this year and the debt will be cleared. How long…
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Poor credit rating - will i be accepted for dfs credit?!
Hi, i applied for a dfs sofa on the 19th june as im moving into my own flat, i assumed i would be accepted because i passed the credit check for the flat, but i checked my credit score on experian this morning and it said on it its unlikely i would be accepted for credit, but i was accepted for a barclaycard a couple of…
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Is this identity theft?
I'm not sure if this is the right board but I don't know where else to put it. I got an email this morning from a company I've never heard of, and when I google, I can't find them. It was an order confirmation. It had my full name and my old address. The house number wasn't there but the rest was correct. It gave no…
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Confused. Mortgage default removed after just 1 year, score jumped up 300 points!
Hello. I logged on to Experian this morning to find that my score had jumped up by 300 points. This was due to the fact that a mortgage which I defaulted on has been removed. I am confused because I thought it would remain for another 5 years. Here is the background - the property was repossessed in February 2016 and the…
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Water Rates - Paid in full to DMC but having defaults added to my credit file
I'm in the process of jumping through all the hoops to slowly rebuild my credit rating after a long time paying off a DMP which was finally cleared this year. A PPI claim success also came through this year so the first thing I did was pay off the final debt in my name; which was a payment agreement on Water rates that was…
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Default on credit file, help please
Not sure if this is the right place but I am currently working on rebuilding my credit history as I am hoping to buy my first home in about 4 years time. When I switched Broadband providers around a year ago I cancelled my direct debit for the old provider, however, they still tried to take it even though they were aware…
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DMP/Credit file/mortgage
Hi All, We are about to pay off our DMP (which has been running for 10 years!) amongst all other existing debts in preparation for buying a new house. Many mortgage advisers have told us that we are 99% sure to get a new mortgage based on our current income/expenditure and credit reports if we apply in August when a few…
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'Credit management' companies - will they affect my rating?
I have had a letter from a 'credit management' / 'debt recovery' company (as well as a barrage of phone calls!) regarding a utility bill from 2015 which is *supposedly* unpaid. My question is - if companies like that are contacting me, will it affect my credit rating or whatever? I am aware that setting up bank accounts…
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Any way to improve credit score while living abroad?
Hi all, I've been living abroad for a few years and kept a credit card in the UK until I was settled in one place. I paid it off in full, checked again every month for a few months then put it to one side for emergencies. After a while I called to cancel the card but was on hold for a long time, got frustrated and thought…
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Credit rating nose dived after selling house and settling mortgage!
Hi there, this is my first post! I hope it's in the right place. Here's a bit of background - my husband and I took out a Trust Deed in December 2011. It was supposed to be paid off in 3 years however, Half way through I fell pregnant and our son was born with severe health complications. I took alot of time off then…
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Experian WARNING! - Wrong reports!
Its important to know that these reports are not correct. The report they show you is NOT the same as the info they have on their LIVE system. My Experian shows a score of 999/999. So i applied for credit for the first credit card in 7 years. Refused.... Tried another company.... Refused. Turns out that even though all 3…
