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So confused don't know where to start
Hi Guys looking for some advice Young and naive when I was 18 (14 years ago) I mounted up some debt I could easily pay off with the monthly repayments, or so I thought. I took seriously ill and was unable to work for some time. My illness took over 10 years to finally be diagnosed. Now I'm back to full health and a normal…
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Wrong Date of Birth on Credit Report?
Hi everyone. I recently discovered that my date of birth was entered incorrectly when I opened my first UK bank account 5 years ago. No idea how since I had to bring in a passport, letter from my university, etc. with me to open it. Anyway, my bank has corrected my DOB on my current account, but it seems that the incorrect…
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Improving credit rating quickly
Hi - I need to improve my credit rating quickly. I have checked my credit report and I am very rated as very poor. I plan to pay off my credit card (5k) this month, I am chasing a defaulted payment from 2015 to see what it is, I am registered to vote. Is there anything else that I can do to improve this?
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Credit limit increase
Hi I have a next account and they have sent me an email saying they can increase my limit to £3750 from £600. That is a massive jump Especially when I barely reach £100. Should I accept the increase when it's not needed.
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Identify fraud and CCJ
I am at my wits end and would appreciate any help or advice. I discovered, completely by chance, a few weeks ago that there is a CCJ against me. On investigation, this is for an item I never purchased way back in 2012. from a company called Studio Mail Order. There is a default against my credit rating and, after seeking…
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will switching banks often negatively affect my score?
Hi all, I wanted to ask a question relating to the some information given on this website. I just joined the MSE Credit Club. On one of the sections, it gives you your credit profile. It states ways in which in which you can improve your profile, or things to avoid, two of them include: "Credit applications Too many credit…
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Defaulted account disappeared from credit report 6 years after default but now back.
I had an account with Next which was defaulted in 2006 and disappeared from my credit report 6 years later. After making many payments to the debt management company it was passed to, I made a full and final settlement in 2016. I have just checked my credit reports with Experian, Equifax and Callcredit and found the Next…
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Mse credit club update
0-pt5≥øºπ÷9999999999999999999999999I have just checked my credit score today with MSE and has increased by 100 points. I appreciate the situation regarding scores etc. However the score was generated yesterday but my report is not updated until 3 August. I check all the statistics on my credit club page is states I am very…
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Notice of correction
Hi, approximately 3 years ago I defaulted on payment with EE. The debt was passed to a debt recovery agency and the full balance was paid off in full in September last year. Upon looking at my credit file recently I have noticed the account is still in default with a balance of £22 being shown. I have had zero contact from…
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FTB mortgage rejected with Barclays. 95% LTV
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Money Laundering Product
There was a search on my Callcredit report under the heading "Money Laundering Product". I am interested to see if any other users had seen this on their credit reports from any of the Credit Reporting Agencies. I did post on this earlier today so it is not a question of what this is only how common it is. Many thanks.
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MSE credit club Experian score unexpected changes
Hi everyone I'm just looking for some help please I've had a new updated MSE credit club report yesterday and it's showing in purple a lot of changes this month compared to Last months. It's also jumped up by over 400 points and after looking at all the changes it looks like a few big mistakes have happened on Experian's…
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'Business Version' of Credit Files
I've been advised that the 'consumer' version of my credit file that I'm in possession of from Experian is different to the 'business version' that a lender would see. Now, while I totally understand that the data might be presented differently, I was under the impression that my credit file contained everything. Nothing…
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Money Laundering Search
Hi, I opened a Virgin Money credit card on 6th July and received my card on 14th July. I was surprised therefore to see a search on Callcredit (via GiffGaff) dated 17 July. The search is by Virgin Money Plc under the heading Money Laundering Product. I would have expected any searches to have been carried out before I was…
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Noddle report
My noddle report shows two lots of accounts - open and closed. The open ones, I can go in and see the dates of my defaults, but the closed ones I just see as either "settled" or "satisfied" Is there any way of seeing the dates of those defaults so I can count up six years does anyone know?
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Advice on getting credit when moving back to the UK after a period abroad?
Hi everyone, I'm just about to come home after a few years working overseas. I'm going to have to take a lot of hits to my credit file in one go when I get back which is concerning me - I'll need to apply for a new phone contract, new utilities services, new purchases credit card, and potentially be checked by letting…
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Stoozing, Shuffling and Mortgage Appliction
Hello, I am currently stoozing £10k on 0% credit cards, and doing a shuffle betweeen 3 current acounts to attract the best intrest rates on my stoozed money. I also have a help to buy ISA I am paying £200/mo into. The resaon I am doing all this is to gain as large a deposit as possible to buy my first house in 18 months…
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Haveing trouble getting a loan, credit agencies have fairly differenct scores
Hi there I would like to get a loan or maybe a card with a lower rate so i can pay off my card debt faster and have a bit more cash flow, its about £2400. I have been paying off my outstanding debts , social loan and a loan I defaulted on when I was off work and on ESA. They have been paid off for about a 9 months now and…
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Effect of mobile contract
Would taking out a £5 pm mobile contract be likely to have any impact on a credit card application soon after?
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What does 'six years' really mean??
Hello all, New to this forum so just finding my way slowly around - please bear with me!! I'd like some info about how long credit history remains on your report and when the clock starts ticking? My credit history is excellent, lots of lovely green ticks..... except for bad bad mortgage with ex that ended up in court and…
