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Advice Needed: Cahoot and Default (unfair bankcharges)
Hello All, I'm a lurker looking for advice. At the end of 2014 (due to my husband being out of work) we went over our £500 overdraft limited with Cahoot. The overdraft charges started going on and account went from: Oct 14: £497 November: £775 December: £1,285 to finally January 15: £1,601 (where it has remained). My…
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score
9 months ago my credit score experian was 90!!! i had 4 defaults 3 years ago and i am in a DMP with stepchange currently owe £12k. I am unable to register on the votors roll due to my mum being on benefits. What is the best my score will go to without being on the register and ive been told as time goes on the defaults…
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Cifas
Hi. I hope someone can help. I stupidly opened a catalogue account in my sons name. It went into arrears but it is now paid in full. I phoned the catalogue company and told them what I've done. They will remove the account from his credit report and place a cifas on it to show he was the victim of identity fraud. They will…
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Default removal yoyo
Please can you help me to resolve an on going default removal issue? Back story: in 2002 I took out an Argos card and was using and paying it off until 2009 when I included an outstanding debt on the card in to an Iva, however the Iva company went bust and left me high and dry with my only option was to go bankrupt in May…
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Default on credit report from fraud
Didn't want to leave the info up
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A Complicate Problem
Hi everyone. I'm a newbie here with a complicated problem. Hope someone can spare the time to help me. My Barclaycard debt just vanished from my credit file as the account was sold to Link Financial on 23 June 2011 when the card was cancelled and account closed. All this time, Link has been sending monthly updates for the…
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How to get electoral roll info updated?
Hi I need some advice - I moved house in December last year, but contacted the national electoral roll so we could vote. We voted in March at the local ones & kept the voting notification. I then tried to change electric provider & was turned down cos I failed the credit check. I joined Equifax as I know my credit is good…
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Not sure what to do?
Hi all, im new here after using Experian for many many months taking all the tips i can to improve my credit etc im getting nowhere with it :( my score has been 721 for the last 2 years atleast and no matter what i do it doesn't increase. Ive kept ontop of it every month checking and updating if needed. i have 3 accounts…
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Equifax not updating
Hi, sorry if posted before, I've tried searching but to no avail on this matter. I was a paid member of equifax main service until June last year. I got talked into the credit alert service for £2.99 a month. I receive alerts by email on a case by case basis. however, my score on the dashboard hasn't updated since 1/6/16.…
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Student Overdraft - credit rating
Hiya - I opened a student bank account in 2015 with a £1000 interest free planned overdraft. For the past 2 years, I've been dipping in and out of this, say £200 here and there, but didn't really pay it back to £0 every month. For the past 6 months or so, I haven't used this overdraft - most of the time it's £0. Now, I…
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Credit File from Credit Expert
Hi, I like many others have a very poor credit file. I am now 28 and looking to settle down into an adult life. Unfortunately I have been completely irresponsible with money since I was 18 and have a credit score to show for it. I signed up to Credit Expert to view my details and see how bad things really are. Out of the…
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Letter from past credit solutions
Wanted some advice on something. I've come home from work to be greeted by a letter from past credit solutions saying i owe £1000 in relation to tax credits. I did have tax credits as i was on a low paid job around 12 years ago but i am not in debt with anyone as far as i know and aware of. Also the letter is addressed to…
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Council tax CCJ - help required
Hi all I've recently discovered that I have a CCJ registered against me relating to council tax and wonder if there's anything I can do to get this removed from the credit reference agencies files. Essentially, I struggled for years to pay my council tax and as I'm very effective at playing bailiff companys at their own…
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CheckMyfile or Creditreport
Hi all, I am an expat in the UK since 3 months. I would like to see my credit score and manage it. However, many services like noddle.com or callcredit want me to provide last 3 to 6 years address history and they does not consider overseas as an option. I contacted noddle and callcredit and they clarified I can't get the…
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Credit Accounts i pay for in someone else's name
Hi Guys, I'm currently 23 and and after a silly few years in 2012-2013 I wound myself up into having a few defaults. Which are all satisfied now as I've learned from my silly mistakes. Due to my credit situation a few years ago I wasn't really able to take credit out anywhere, so my grandad offered to help me out as he was…
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Affinity Water ltd debt?
Hi guys... a little confused and worried. I've just popped over to my parents house and have seen a letter in my name, it's from Inter-Credit International LTD on behalf of Affinity Water saying they're going to take "doorstep action' against me for an outstanding amount of £373. I am totally confused, I have never lived…
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Catalogue Fraud (from the other side)
Unfortunately a family member has opened two store accounts in my name, without my prior knowledge or consent. This has reduced my credit rating to an unsatisfactory level, although I am aware this won't be the first time this has happened to anybody. From reading similar accounts on MSE and the web, I note that the matter…
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Ccj
I’ve just checked my credit file and noticed a CCJ was added to it 4 months ago. This was made against me at an address I moved out of nearly 5 years ago and all correspondence was sent there so I knew nothing about this. Can they do this? I was saving for a mortgage deposit and now I’ve got no chance of getting a…
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Some Advice Please.
Hi, Whilst checking my Equifax credit file through Clearscore. I found it was missing my address from 2006-2010. FYI. My address between these years is on my Experian and Callcredit reports. I know lenders usually just look for the last 6 years anyway, but it only shows me on the electoral roll from 2014, (on callcredit…
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Hard searches
Hi, Does anyone have any experience of declined hard searches for credit being removed from credit report? We were misinformed that a credit search was soft and speculative and it turns out that it was a hard search and as the credit was declined our credit score has taken a hit. I have emailed the credit providers…
