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CCJ I knew nothing about - HELP!
Hi, I have applied to a rent a new property and as part of the letting agency checks they have informed me that I have an outstanding CCJ that was issued in May 2016 at a previous address I moved from in April 2015. The amount is obviously 'unsatisfied' at £380 This is the very first I have heard about it. After contacting…
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MBNA Promotional Rate
I've applied for a new MBNA All-round credit card with a 0% 30 month introductory rate for purchases, balance transfers and money transfers made within the first 60 days. My question is, when does the promotional rate start? Is it from application acceptation or card activation? The reason I ask is that it's already been 2…
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'Finance' vs 'Credit' to Improve Credit Rating
Hi all, With a 'Poor' credit rating (mainly due to little credit history), I recently took a chance and applied for financing to cover some orthodontic work. I was accepted... Now if I stick to the repayment agreement, which is by Direct Debit, would this help to improve my credit rating in the same way making credit card…
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CCJ who do i pay?
Hi, i have just set up a clearscore account after being happy with noddle for some time but someone recommended to try it. it turns out that clearscore displays a CCJ which i want aware of through using Noddle. i was not aware of any pending ccj and this is the first ive heard of it. i do believe that this is to do with a…
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MSE Credit Club - 'lending balance' - should be borrower balance
Hello Just checked my MSE credit report, and IMHO the 'lending balance' is mis-named. I am not a Lender, and I am not Lending money. I am a borrower, and I borrow money. 'Understanding Credit Balance Your total credit balance is the total amount you owe across all credit accounts (excluding mortgages). If it is too high…
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Finance Issue
So the wife tried to purchase some bits off Ebuyer using the finance option and got accepted but just as she was about to click the check box for the direct debit agreement she notice a mistake in the details, Chrome had autofilled her name but instead of putting her first name it had put Mrs so her name in the finance and…
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Rebuilding my credit rating
Hi all, I'm just wondering in simple terms i would go about fixing and improving my credit rating. Unfortunately I had a tough couple of years and managed to get myself in some debt, about £3,500 which I've managed to fully pay off now. I hit unemployment which meant that I couldn't keep up the repayments and didn't deal…
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Could someone write a post about credit scores....
....being totally meaningless. And then could a moderator make that post into a sticky? Then we can all just point the countless folk who drone on about the same subject in the direction of that sticky. Would save a lot of typing/time.:(
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Defaulted, then compensation given greater than default - what can I do?
Hi all, I had a Post Office Credit Card (operated by the Bank of Ireland) from March 2008 to December 2013, when (through my own disorganisation, pretty much) I defaulted to the amount of £779. In December last year, out of the blue, I received two cheques for compensation totalling about £1400 (they took me so long to…
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Cancelled overdraft, credit rating dropped
As above, Ive had a £3k overdraft with Lloyds for a few years but not used it for well over 18 months, so decided to close it. Then, my credit score on CreditExpert drops by about 70 points? I guess its because I'm using more of my now available credit, did I do the wrong thing? Was just trying to clear up my finances a…
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Credit rating inconsistency
New to the forum, but frustrated by credit file inconstancy. How can I be a Poor rating on Experian 631 and a Good rating 425 on Equifax? I have no defaults or any major differences between the two providers records, so this makes no sense to me? I have plenty of disposable income, great payment history on credit and only…
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Getting a work loan on my credit profile
Hi All...Here's one for you. I've got a poor credit rating that I'm trying to improve as quickly as I can (460). So, the credit reference agencies obviously want to see that I'm able to have a loan, and pay it back on time essentially. I can't get a credit card at the moment...at least not one with a very high limit. I…
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Confused About Default on File
So I have a default on file. As far as I can tell it is due to drop off. The details are as follows: Account started: 6/2/2002 Account Settled:: 31/8/2011 It last appears to have been updated from the lender January this year. There doesn't seem to be a date that says when it was defaulted. If I go back along the months,…
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My Credit File
Hi all, New to the forum so apologies if this is in the wrong area. My credit score is currently 518 and largely due to 5 defaults from 2011. I understand these will come off so. But have a couple of questions. Firstly on 4 of these I partially settled around 2013, will the default and all the information drop of this…
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Morgage and Credit Rating
good evening, i really hope i am posting this question in the correct place if not apologies in advance and please feel free to point me in the correct direction. My wife has a quite a large balance on her credit card for which we plan on paying off a substantial amount more than the minimum payment each month however we…
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Failed credit check trying to change electricity meter
I posted this is the Energy forum but it's probably more appropriate here. We just bought a property which has a prepaid electricity meter. I called British Gas (the provider) to ask to switch to a regular meter. The guy ran a credit check and said it came back negative. He said that my score needs to be above 800 to…
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Orange wrongly damaged our credit file and the file of lots of other people
We have just had an Mortgage offer withdrawn because Orange entered a default wrongly against my wife for £14.06. When we spoke to Customer Services they said that it had happened before to lots of people because the Orange computers had issues in the switch from Orange to EE but not to worry they would correct it. They…
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Credit Score Hit
Was wondering if this has happened to anyone else on the forum or can explain what has happened... I used MSE to change gas/elec. providers to EON, however my credit score has fallen 19 points and the only change was EON doing a credit search and then providing me with the supply on monthly DD like I have always done with…
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Can't get a Credit Score?
Hi Folks, I have worked in the UK for over 2 years now but I have only had an address in the UK for 1 year, because I was living in Southern Ireland and working in Northern Ireland. I have since moved to England and have been here for over 1 year. I have been trying to get an idea of my credit score to build it up as I am…
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Applying for balance transfer
I currently have 3 open credit cards and am looking to complete a balance transfer on one of them and close the account down. The card in question was opened in October last year however I'm not keen on the bank or their website etc. so want to change. I was refused a loan of £4,000 in May; is it too soon to complete a…
