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Will my bad credit rating affect my partners credit rating?
I have a bad credit rating as I am currently repaying debts under a DMP through stepchange. Although I pay every month etc most of my debts are of course recorded as in default. It would be really useful for me and my partner to have a joint current account. We don't need an overdraft facility. We have avoided opening one…
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Opening Help to Buy ISA impacting credit rating?
I visited Lloyd's last week to convert my previous current account into a Club Lloyds. While I was there the adviser informed me that my lending rating was excellent (good enough to be accepted for a mortgage at the lowest rate), and that it might be worth applying for a trade on my student credit card (still have this…
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Improving credit score and cancelling credit cards
How long do I need keep using my cards (am paying in full and on time) till I'll be approved for a decent card? The cards I have at the moment are Aqua 49.9% and Vanquis 54.9% (awful!) :( I was rejected for a half decent Barclays one so I figured I still have some work to do. I'm also wondering, how does it affect my…
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Need advice on how to get my credit rating better (ccj)
Hi, hopefully this is the right place to post, apoligies if not. This is quite a long story so I will try to shorten it. I first got into debt when I was about 19 (I'm 25 now) I finished college and could only get temp work and wasn't earning enough money, I also had lots of family problems so I took out a few payday loans…
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Advice needed! Joint mortgage with one excellent credit score and one very poor
Hi all, I have a question regarding joint mortgages and bad credit. So me and my mum are buying a house together and we are both first time buyers. Mum has rented the same house for over 25 years now and she now desperately wishes to own her own property. My mother is 53 years old with a very strong credit history and a…
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Wrong date on default?
Hi, usually this would be clear cut but I've been reading and have found out it's a little bit tricky with defaults and current accounts / overdrafts. I have a default from Halifax dated 02/2016 which I believe is wrong. I got into trouble with them and an overdraft in 2013 to 2014. I struggled to make any progress on this…
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Trying to improve my credit score
Hello, I have obtained a detailed credit report with checkmyfile. I am paying some of my loans off (slowly). There are a number of other debts, such as utilities which have defaulted. I believe (I could be wrong) that as they have already defaulted, there is little point in paying them off as it won't improve my credit…
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Credit report from Noddle and ClearScore contains details from twin brother
Hi there, Both my credit reports contain details from my twin brother. So things like mortgage he's taken out, bills, credit cards, etc. They all clearly have his name against them. We obviously share the same last name, till recently same home address, date of birth, etc. I was prompted to take a look at my credit score…
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Arrangement to Pay Barclays - Mortgage application
I found lots of useful information on this forum and thought I would share my experience to help someone else, as I wish I had found out sooner. I had a short spell of financial difficulty in 2010 after my partner left me with a young child and huge child care fee's, I continued to work as I thought about the future rather…
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Arrangement to Pay Barclays - Mortgage application
I found lots of useful information on this forum and thought I would share my experience to help someone else, as I wish I had found out sooner. I applied for a mortgage this week with high credit ratings 989 on equifax and got turned down due to an arrangement to pay that was on my barclays account from 2010 when I was in…
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"Very" not closing account. Paid off
I'm trying to clear all my debts using the snowball method and I recently cleared "Very", the catalogue. I've written to them twice (by post) following their T&C's and quoting their T&C about closing accounts and I'm getting zero from them, no response, no account closure. Does anyone know if this £1300 available credit…
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Unlinking from an Ex Partner
Good afternoon, Apologies if I have not posted this in the correct place. My Ex-Partner and I of five years have recently separated and we're just going through the process of closing our joint accounts (should be done by tomorrow now we have divided the direct debits). A friend of mine made an off-the-cuff comment a…
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Full credit history
I am wandering if anyone knows how I can access my full credit history. I have signed up to Equifax and Experian but they only go back 6 years. Is there a way that I can go back to the beginning of time! This is just so that I can see what I have had over the years! Thanks in advance.
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Should I increase my credit limit?
Hi, I have a fairly decent credit score but want to improve it in time for the new year when I will be needing a new mortgage deal. Tesco have offered me an extra grand on top of my credit limit on my credit card. I don't need the extra credit at the moment but should I take it to improve my score? Cheers, Mark
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CCJ removal and credit score !
Ok ok I know the credit score from noodle etc is meaning less but ... It is often said that the older the debt is, the less impact it has on a credit score. So a 5 year old CCJ has less of a impact than a 1 year old CCJ. Therefore when a CCJ falls off a credit report after 6 years, would I be right in saying that the…
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Removing CCJ
Hello Everyone A few years ago i had a Vanquis credit card. I used it regularly and always paid the full amount each month. I am autistic and have suffered from mental health issues all my life. I am now 56 years old. Anyway one day i received a bill for £4,000 which i knew was ridiculous as my usual monthly spend was…
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Settle car finance or not
Hi, a couple of years ago I made a few mistakes with my credit and was a bit silly. Got myself out and now here I am today debt free but with the dreaded very poor credit file along with a couple of defaulted accounts. As a result of my poor credit my car finance interest rate is extremely high. I have enough money to be…
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CCJ and 6 year limit and out of the country
Good evening everyone, Wasn't sure to post this here or in Debt-free Wannabe. I have a CCJ for a debt that has a default date of Sept 2011. The CCJ date is March 2015. I understand that the CCJ will remain on file for 6 years. However, make yourself comfortable, I was out of the country when the CCJ was issued. I have…
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when to change address on the electoral register
would it hurt if i changed my address now on the electoral register? i get the keys to my new house in a little over 2 weeks. reason for this is i need to apply for credit when ive moved in for a car before the end of september and i know it can take a while for the credit file to be updated so ideally looking for a head…
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Bank Arrears
Hello all I checked my credit file today to find that Santander have marked my account as '3' Arrears - basically 3 months in arrears. This is due tomy own stupidity aswell as the banks failure to update my address after moving. Anyway I have the choice account with a £1000 overdraft. Are they allowed to mark my account as…
