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Director
Hi I've been asked to be a director os a CIC company, and have been reassured that I'll have no financial liability regarding this. However, will this have any impact at all on my credit score if the company goes under? Thanks x
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Guardian Article on the credit 'score' agencies
It's no wonder people get confused with articles such as this: https://www.theguardian.com/money/2017/jul/17/credit-score-angencies-break-lives-lenders-no-mortgage
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Out of date balance showing on Experian/Equifax for Lloyds Credit Card
Good morning all, this is my first post, so please be gentle. I have just paid off all my credit card debt (Martin would be proud) as part of a mortgage application process. Several weeks later, my credit files at both Experian and Equifax are still showing the out of date balances on some of the cards. (Some are now…
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Default advice/help
Hello In 2014 I contacted Stepchange, as my circumstances at home had changed and my debts were very high. They advised me to go onto a DMP to get things under control. I contacted my creditors and all was agreed. I stuck to it religiously and in 2016, we decided to sell our house and use some of the equity to settle my…
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CCJ Help?
Hi I'm considering some changes to the way I manage debt and a question has come up about a CCJ I have from a £4k loan that I couldn't pay from about 6 years ago. (I had a good job etc and then got crippling anxiety so can't/struggle to work full time) They pursued me in court for 4k and I couldn't pay and I'm on a £1 a…
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outstanding payment - where do I stand ?
I am a freelance researcher and earlier in the year rented a desk in the UK. I have since moved away (abroad - where my business is now based) and cancelled the agreement before moving. The company I rented from gave me instructions to set up monthly direct debit payments which I followed. It was via a payment system…
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Unstable address history & car finance
Hello, Bit of an uncommon one here as I can't find much online about it, sadly! Firstly, I'm in a pickle as my old 52 plate Astra is about to pack in and I need it for my commute to work. I can't get Hire Purchase finance on a car because I have had more than 3 addresses in 3 years so they won't even look at me...…
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How does paying off mortgage affect my credit rating?
I am in fortunate position to be within 11 k of paying off my mortgage. But I understand that to have no mortgage can negatively affect my credit rating..and I might want to take out another mortgage in the future depending on what happens / where life takes me. Can anyone offer any advice on this? If it is true, I am…
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Default Problems
Looking for some help. My credit club report is still showing a default opened in 2010. The debt was fully cleared and satisfied in 2013. I have read after six years the default should be removed from my credit report automatically but this seems to have not happened. Can anyone suggest what I can do to get rid of it from…
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Debt Collection Letter wants me to confirm it's me....
Hi all, this is my first post. I'm really unsure how to respond to this letter! The letter is from a debt collection agency asking me to confirm that I lived at a previous address. The address is where I lived during uni and I'm assuming (as nothing mentioned in letter) it's regarding an unpaid utility bill which me and…
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CCJS on Experian credit file in error.
Hello, I have 3 CCJs on my credit file which I am paying, this afternoon my son found the same CCJs on his credit file by Experian. They have my name on them and I don't understand why all of a sudden they have appeared on my son's credit file. He is going for a mortgage next month and we are all in a panic. Some of these…
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Experian Credit Score coming up differently?
I know the score itself doesn't really matter and isn't what lenders see, although I currently see my Experian Score from three different platforms. Barclaycard, MSE Credit Club & the free Experian Itself. The Barclaycard one has updated every 60 days for the past year that I've had the account now and the other day it…
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Latepayments
I have recently been turned down for car finance due to bad credit. I have never had bad creditbefore so got a credit score and report. The report indicated 4 late payments with Shop Direct ( very). I hadn't used the account since 2013. After investigating further my partner unwittingly had ordered on my account in error…
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Using rent to increase credit score
I have been looking at ways to get my credit score as high as I can... One of the things I have read about is using rent payments. I haven't heard of it before, so am after some opinions! The way I have read it is that you sign up and let them know what you pay (landlord doesn't need to know) and as long as you pay your…
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Tax Credit Over payment, Debt Colleaction Agency !!! Please Help !!!
Hi All, I am new to this forum, having read lots of thread, I believe this forum is really helpful. I will be grateful if someone can give me the correct information. I have a tax credit over payment since 2011 which HMRC was collection through my Tax credit award until I have started a second job in September 2016. Once I…
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Transferring balance from vanquis to cap one . Advice needed.
I have a vanquis card with a £1000 limit which im struggling to clear. I pay £70 a month . My interest is usually £30 each month. Its ruining my credit score which isnt great already due to a settled default back in 2014. I have been offered a 0% balance trans with capital 1 for six months. It has a limit of £750. What…
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Disputed council debt, panic time
I got a letter and statement claiming I was overpaid housing benefit in 2011-2012 for when I was at college (I was entitled to it as wasn't getting jobseekers or anything) and want back 2 lots of money totalling about £4600 which works out about 60 weeks housing benefit. They want payment within 7 days or they claim to…
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Mse credit club absolutely useless.
Mse say on there credit club it's important to put the correct amount of money you get in well unfortunately they have set a grand as the minimum amount you can put in the box well if it's that important surely there should be no minimum or are you trying to say you don't want people who have less money to be able to use…
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Default Removal
Hi all, I've had a default put on my account to which I had no prior notice of. Basically, a 'friend' had taken out a contract under my name (not to my knowledge) and the contract subsequently did not get paid so a debt was set on the account. I had moved house and therefore did not get any notification of the debt nor the…
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Improving credit card
Hi my partner has a poor credit rating which I'm trying to help him improve. He doesn't want a credit card or loan. One of the suggestions is to put some of the household bills in his name but the utility companies aren't allowing me to put the account in his name - water company said I can add him along with me but will…
