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Will closing a credit card improve my credit score?
I recently opened a new credit card with Marbles to help me build my credit score. However, I have found credit agencies are now penalising me for having this credit card as the £800 limit is too low and I have since lost points on my credit score because of this. Marbles have refused to increase the limit. Would my score…
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credit report sparse
I am thinking of applying for mortgages in about 18 months but have never even thought about credit rating or credit cards (dont have one). I want to get one to build credit rating but if possible want to get a decent as a one as possible. I got a copy of credit report and the only thing on it was my virgin media bill from…
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Old settled loan popped back up on Credit File
Hi all, I'm in a bit of a fix as to how to best go about tacking this problem from here, and I could use some advice as to where I stand. The problem being this : I check my Experian credit file monthly through MSE and have done for a while now. I checked in May, when it updated, and was a bit confused to see that an old…
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Apple Store: 'Soft check' appears on my credit file
I was in the Apple Store a few months ago and was looking into getting an iPhone on monthly payments fixed up by the store. The guy said 'this is a soft check' so won't affect your credit' –!lo and behold it's there in MSE/Experian under 'Searches that may impact your Credit Score'. Can anyone tell me whether this will…
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Default: Illness
Hi, Last year I missed a number of payments to a clothing shop credit account. Approx 3-4 months before it was then defaulted/closed. Prior to that I always made regular payments and never missed a payment. The reason for missing the payments was because I fell ill, went off sick and ended up in a hospital ward [MH…
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Which is best for improving credit history with a credit card?
Hey guys, I just have a quick question about how to use my credit card to build a better credit history on my report. Some people say paying off your credit card in full each month is great for improving credit. But also, some people say to buy something for a few hundred pounds and spread the cost to pay it off over 3-4…
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Default from joint account with ex husband
I've just checked my credit file and there is a default on there for £455 from Southern Water. I genuinely had no idea I had this default. It was registered in June 2016. I've phoned Southern Water who say it is from a property I lived in with my ex-husband. They say we left without closing this account and it wasn't…
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DMP didn't make payments.
My husband and I got together 5 years ago. He was on a debt management plan after his ex screwed him financially over their split. In 2015 his DMP company wrote and said they were no longer in business and tried to palm him off to another company. He got me a copy of his credit file and there was a default from 2014 in…
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Getting a Default removed.
Hi guys, A few years back I got myself into a right pickle and got myself into debt. I got a loan to consolidate from Sainsbury's to try and sort things out, but things didn't go to plan i ended up defaulting the loan. The default date was in August 2013. Recently i received a letter from Sainburys saying they charged me…
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Building credit
Good afternoon all. I am now happy to say i am debt free for the 1st time in 10 years. I habe 1 credit card which i have used for building credit and have always kept the balance at £0 with a credit limit of £250. Would increasing this limit but keeping the balance at zero help my credit rating? If i have previously tried…
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Vigin Media giving me a bad credit score can I sue them?
I cancelled my Virgin media broadband 6 months ago. I paid one month in advance and gave one month notice of leaving. I, therefore, could not have owed them money. They disagreed for weeks and sent the case to a debt collector. I then spoke to a Virgin call centre girl who said she could not send me a statement as it was…
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Can I have a loan that I have repaid on time added to my credit score?
Hello I have recently repaid an interest free loan which I took out through a charitable organisation to complete some studies. I am hoping to be approved for a mortgage soon and I have had some terrible credit ratings in the past. I'm wondering if I can insist that this is taken into account? It hasn't been easy to pay…
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Credit Score 000
Please no nasty comments! This time last year (or maybe a little longer ago) I had an Aqua credit card. The balance was about £4300 (I had nothing to show for it)! It was just essentials that we were using it for as my husband was out of work so food shopping etc I was paying about £175 a month minimum payment but it got…
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DMP - 6 years after default help needed
Hi, I've done a lot of digging around and can't seem to find a definitive answer on this one so wondered if anyone can help. I'm two years away from completing my DMP. It's been a long slog but there is light at the end of the tunnel and I'm starting to make plans. By the time it's finished I will have had a DMP for 7…
