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Credit allowance vs usage
Hi all My situation is: I've two credit cards say 5k each. One is my main with cashback sometimes spending over 50% of limit. The other was a balance transfer card coming to end of introductory offer (& will be paid off) Do I close this card and risk the higher credit card utilisation if over 35% is it flagged is my…
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Vodafone screwed my credit score
On 11 July 2016 I took out a 24 month contract. On July 28th both the phone and tablet were stolen and unauthorised calls made to Spain etc. Reported to police and company. The company refunded money for Spanish calls. A company employee (now ex-employee) told me the contract was now closed. A letter from the police said…
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Default Help
Hi Having gone to my bank to apply for a small loan I was told that there was a mark against my name and I should get a report of my credit file before proceeding. I was a little baffled as I could only recall having one late payment recently that had been sorted and I'd also got a mortgage last year. Sure enough it turned…
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Additional Borrowing on Mortgage Credit Check
Hi all, I have owned my home for 1 year and recently applied to borrow an additional £10k for debt consolidation and home improvements. I passed the affordability checks, the credit checks and the underwriters approved the application but unfortunately, when their surveyors valued my property it fell just short of the…
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Vodafone Question
Hello MSE Forums :) I was checking my credit report on Experian and I have a listing for Vodafone saying that I defaulted on the account back in 2013. All was settled in September 2014 but it still shows as it is defaulted and not settled. I have been in contact with Vodafone who coincidentally cannot find my account on…
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Default counted twice on MSE Credit club
Feeling a little aggrieved about this. I logged into the MSE Credit club this morning to check to see if a default had been removed - which it had. Only to be replaced by a default from MBNA. MBNA sold the debt on to IDEM who I repaid in 2015. Surely you can't have a default for both IDEM and MBNA for the same debt? I have…
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Banks using credit file for verification
I know Lloyds and it's subsidiaries ask questions about details on your credit file for verification at times, ie information that has not directly been given to them. Do the others, such as Barclays and HSBC , do the same or stick to information directly given to them for verification?
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Does switching from a credit builder card effect the credit building process [UPDATE]
Although I have a decent credit score, I've always found it hard to get credit cards, because I am self employed and don’t have a good income. I was told I should use a Aqua card to build up my credit limits as that will make it easier to get a credit card elsewhere. I recently built up my limit with Aqua to £1200 (After…
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Small claims court effect on credit history
Hi, Apologies if this have been answered before on the forum. My ex-landlord (a lawyer) has threatened to take me to small claims court over tenancy deposit dispute. I would have liked to resolve it via Tenancy Deposit Scheme. However, as I understand it - TDS needs both parties to agree to it. If the landlord doesn't…
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Noddle incorrect Electoral Roll date.
How do I get Noddle to correct the electoral roll date? Reported the incorrect date end of April this year and it said upto 28 days to sort. Just logged in again and it still shows the incorrect date. Thought it got missed so I tried to open another dispute and it emailed to say its a duplicate dispute and the previous…
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Application rejection shows as open account in credit file
I opened a Nationwide flex direct account online a few months ago and the application went through and was accepted. A few days later I checked my mail to see a letter with the usual debit card + info and another letter saying that they've closed the account due to security reasons. The letter was dated a day after the…
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Halifax Overdraft - Hard or soft search?
I want to request an increase to my Halifax Overdraft though the app. Anyone know if this will be a hard or soft search? I phoned Halifax but can't seem to get a answer. Thanks
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Default info
Hi, I have a few old defaults on my credit file, mostly 2012/2013. Last year I took what I thought were sensible steps by settling any outstanding debts with the various credit companies. I notice some of these have logged the settlements on my report, will the defaults stay on my report from the time they have noted the…
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Defaults assistance
OK I completed an Experian check prior to a mortgage app. this came back as good so applied - then rejected. I called Experian - they looked deeper and came up with 3 defaults against LINKED ADDRESSES 1. August 2011 02 which is marked as satisfied, so will, of course, drop off next month 2. Default December 2011 for the…
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Not Enough Credit For A Power Meter
Hi All 👋🏻 I've just moved into my first home (Mortgaged) and come to find the last owner had pre-payment/top up gas and electricity meters. British Gas have just run a credit check on me to see if I'm ok to have standard a credit meter installed, I'm not. Just checked my Experian rating which shows they don't have enough…
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Should I reduce my overdraft?
Hi guys, Apologies in advance if this is a repeat thread, this place is a bit of a minefield of info to search through. I have a really good credit rating, thanks to a few years of hardcore budgeting and being sensible (having no life). My question is; is it better to reduce my overdraft or keep it and just not use it? I…
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Vodafone is a laughing stock
Despite some help from the vodafone representative on the forum (thank you Danielle), today I was unable to make a payment. Facts: In January 2016 my 24month contract with the vodafone has expired. I am pretty sure I have moved the number to the Tesco mobile on the very next day AFTER the 24-month contract. vodafone has…
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Very old debt
Hi, I hope this is the correct forum. I have a debt that is ancient. I've been paying £10 per month via standing order to BCW for as long as I can remember. I've been searching all morning to see if this company have a website and I can't find a thing. There are contact details but I would rather not telephone or write to…
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Default on a Credit Rating - possible to remove it?
Last year my husband was diagnosed with cancer and an account I held with HSBC went overdrawn. Because of the stress of the situation I let my personal finances slip and left the account overdrawn and didn't pay any money in. Silly I know, but when you're dealing with a situation like a was whilst looking after 3 young…
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Effect of old Defaults
I have had a default on my account since 2012 which has absolutely decimated my credit score. I believe the debt was wrongly placed on my account but nevertheless I accepted that I was stuck with the default and decided to wait for my score to get better. My score has gotten progressively worse however, the default is the…
