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Default drop off
Hi, I have two defaults on my credit file and I'm trying to understand when the will come off my file. I have paid them both in full. They show on my file as: Account start date: 21/10/2011 Account end date: 24/01/2017 Date of default: 27/07/2014 Account start date: 09/11/2011 Account end date: 30/03/2015 Date of default:…
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Credit default
Hi, i'm trying to find out which debt collection agency a debt that is in my name was sold to. Any ideas as the original company Talk Mobile say they don't know who they sold it to? Here is a summary of my situation... I have only just moved back to the UK (August 2017) and checked my credit report with Equifax. I can see…
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BT old account still kept open and damaging
Hi all I recently found out an old BT Consumer account I considered paid up and closed at a previous address dating back to 2010 is parked on my credit file as me owing them £29, with a new entry on my file every month showing the balance as unpaid but the account open. It has never been registered as a default. I have…
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Who's right - Credit Report or Credit Collection Agency?
Hey Hoping to get clarification on the balances shown in Credit Reference Agency files. I'm on a DMP with Stepchange and all ticking along nicely until Uncle Buck passed their account to Credit Resource Solutions. I'm uncertain if anyone at CRS is able to answer a question with any kind of independent thought. However, the…
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Applying for credit card just after moving home
I did try searching for this topic as I thought it would be a common idea people have: I am a FTB and would ideally like to use a new 0% purchase credit card to help with buying everything for my new home, after I move in - rather than eat into my (now considerably smaller!) savings. The search results differ in advice:…
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Building credit with no credit.
Hi, I'm brand new to the forum. I am 18 years old, and I would like to build credit, however I am finding this difficult with my lack of credit history. I have added myself to the electoral roll, and I have received a letter to say this will be updated in December. I have also taken out a sim only contract in order to help…
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Completed IVA early but credit rating has got worse
I completed my IVA almost 3 months ago (just over a year early) receiving the completion certificate at the end of June. I know it can take a while for it to update on your credit file and until this morning there had been no change to my score of 507 "Very Poor". This morning I logged onto Experian and my score has got…
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Trying to claim more from paid ccj
Hi I was hoping for a bit if advice. I have had a ccj which had an attachment of earnings and was paid off in full a few months ago. No more money has been taken out of my wages since the date is was paid. I have now had a letter and emails from tm legal services saying they are perusing a claim for this outstanding ccj of…
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Changing current account and credit score
Hi, I am considering to change my current account from Barclays to HSBC. I do not have an overdraft and not planning to get it. My account is just 4 months old. I am worried about the impact on the score. I understand that score number is fictitious but it has some kind of psychological appeal. My history is just 5 months…
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car on pcp looking at getting a mortgage
hello im looking at starting the process of getting a mortgage im just concerned because i have a car in my name which costs £340 a month my credit is okay not amazing but im concerned no one will touch me because of this burdon? any help would be appreciated?
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How does late payement reflect on credit file please?
I made a late payment on my Tesco CC. This was its first payment and I forgot to set up a DD so was 1 day too late by the time I realised. My fault of course but I wonder how that will be recorded on my credit file and have I trashed it for another 6 years ! Thanks as usual F
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Unknown CCJ (not my name) - ADVICE PLEASE
Hi all, I am saving for a mortgage and i am cleaning my file up, making sure all is in order etc I've found two CCJ's which i need help on My name is Dominic and there is a CCJ for someone called David who i have never heard of. How do i go about getting this removed? as its not even in my name Secondly, there is another…
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Should I wait until my credit file updates before applying for a new card?
I have just paid off a £2k credit card as the interest free period was coming to an end. Should I wait until next month when my credit file has been updated before applying for a new interest free card, or will this not have much effect on my credit rating as it is already a good score?
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Equifax data breach scandal: how is Clearscore affected?
clearscore.com uses Equifax data. In view of the data breach scandal at Equifax, how are clearscore.com users affected?
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Just done my six years... what now?
Hey all, Back in September 2011, I defaulted on a Capital One credit card (£10,000). This default has been on by credit report and I've been able to see it every month with Noddle. It had a detrimental effect on my credit score as you'd expect. I've been paying off bit by bit and as of last month, there was still £2700…
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CCJ issued even though amount was paid
looking for some urgent advice please my husband received a county court claim form for an amount owed to Valour Finance/Savvy. He did owe the money so got the money together somehow and called them directly and paid the money owed in full. This was done on the 14th day which was the deadline. they confirmed that it was…
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Tesco Finance Default
Hi Has anybody ever had any dealings with Tesco finance when it comes to removing/amending default information on your credit file? I have a default that is incorrect, the date is actually out by a year, are they likely to respond promptly to the letter that I sent recorded delivery to them yesterday, in line with ICO…
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Mobile phone contract - who will be credit checked?
My partner is a stay-at-home-parent so has no independent income. We don't have any financial associations and want to keep it that way, but everything comes out of my bank account. I was applying for a new mobile phone contract in my partner's name, but with my bank details for the DD. Would the credit check be done on my…
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Have I just messed up my credit rating??
I recently applied for 2 credit cards. One to pay off a Balance Transfer and another to pay a holiday. I have never missed pay.enys on anything and if Ive had otger types of debt before - cleared it off without issue. I applied for a third from Santander - but was refused. I've not really had credit cards before and I…
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Incorrect referral to credit management company
Hi sorry if this is similar to previous threads. Spark gave me an incorrect bill last Oct when I switched providers and it took months to sort out due to issues with their software. Meanwhile they referred me to a credit management company. I refused to pay and finally my new provider managed to get through to Spark and…
