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Settlement Offer
I really dont know what to do . I had a credit card with nationwide which the default date is 24/9/15. I am paying £130 back a month and there is still over 2k to pay. I cant really increase these payments at the moment. Wescot have written to me offering me a settlement of £500. I know this will negatively impact my…
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How to rebuild your credit
Hi I have a plan to pay off my debts in the next few months and then start to rebuild my credit so I can apply for a mortgage in 3 or 4 years time. The problem I have is that, all the advise I have gotten about rebuilding my credit was about buying stuff on credit, applying for and using a credit card, opening up a…
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Credit rating
Hello all Haven't posted for a while so please be gentle. We are hoping to pay off one of our credit cards soon. Is it best to pay it off and then close the account or to pay it off and leave account open (without using it) demonstrating you can be more responsible? Thankyou
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Ovo Energy
Having just opted to move from British Gas to Ovo Energy, I have checked my credit report and found that my credit rating has reduced because Ovo Energy did a HARD search of my file. I had been anticipating my score to rise due to good reduction of outstanding credit and had anticipated being able to apply for my…
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Know your customer/ proof of ID query - banks
When a bank or other financial institution wants to check your ID, if you provide paper documentation as proof of ID/address (such as your passport, a statement from a different bank account etc) should this be enough or do they need to check things electronically as well? I ask this as I am currently away travelling at…
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Residential Status
Hi all, I live with my partner who owns the property. I contribute to the mortgage, although am not named on it,. What's the best "Residential Status" to pop down on a loan application? (other's not an option!) Do I just opt for "Private Tenant"? Thanks!
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Experian report doesn't work
I can't get to grips with the Experian website. I've signed up and entered my details, it kicked me out and I was in an endless loop with that useless pink credit score website they have. Each time I click to login it lets me put my details in and then tries to send me back to Credit Matcher AGAIN. I don't want that…
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Credit Score Fluctuations
Hi all, I signed up to the MSE Credit Club, Noddle and ClearScore a while ago (I like to get different points of reference) and have noticed my score fluctuates from month to month. I don't miss payments on any bills. I have two credit cards which I never go over 10% utility on and I always pay them off in full each month…
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Npower posted someone else's debt and default onto my credit file
I informed Npower that my tenant had moved out back in June 2017 - the bills were in his name. New accounts were then made in my name. I knew legally I was not responsible for his debt but nevertheless I was still told by the Npower rep on the phone not to worry about it. In August 2017 I was declined for a remortgage due…
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let sleeping dogs lie?
i hope someone can help shed some light on whats going on with my credit file..... i was in a DMP back in 2009 as a marriage breakdown had left me with a load of debt, October '11 i lost my job and and had to stop the DMP. between now and then, I've had no credit nor have i attempted to get any and I've successfully "won"…
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Credit Score Impacted by this....
Hi All, Would appreciate some input on this... In late 2013 I had some financial difficulty, and ran up a lot of bad debt. I ended up going into a debt management plan with StepChange and paid it all of. A lot of my creditors were very kind to my credit report, only presenting defaults where I'd actually missed payments,…
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Will this harm my credit file?
Hey everyone, A couple of my creditors have agree to give me some breathing space by freezing the interest on 2 of my credit card accounts for a 6 month period. I am continuing to make the contractual minimum payments ( have never missed a payment) and will continue to do so throughout the 6 month period - they will just…
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Defaulted account on my credit file
Hi all, I have one defaulted credit card account on my credit file. I have entered into a payment plan with this company, but they still have me as defaulting, despite the payments (nearly 3 years of payments made). I had another defaulted credit card account too, but since setting up the payment plan with this particular…
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Credit after a DRO
Hi, I don't post often...very rarely actually but I'm after a bit of advice. In July 2016 I applied for a DRO, so this year after 12 months it ended. I waited a couple of months and applied for a Simply Be account. Yes I know they're not the best of companies to be with but they're usually quite accepting for people with…
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Virgin Media - 2 hard searches
Afternoon all, I signed up for Virgin Media last month. I can see on Clearscore that Virgin Media have actually performed two hard searches on the same date. Is this normal? Can I get it resolved? If so, do I contact Virgin Media or Equifax?
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Wildly different credit score across agencies
I got my first credit rejection (increase credit limit) a couple months ago from Halifax. It seems it was blocked by Call Credit (noddle), as my credit score there is "Poor". However, Equifax and Experian both have me as "Excellent". I have a steady income, and no "negatives" on my score (electoral register, no default,…
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Ccj and car insurance
hey guys. i recently received a CCj for an old debt, amounting 500 something pounds. i am paying it back monthly but am aware it is now on my record. when i applied for my car insurance (which i pay for monthly), they asked if i had CCjs, to which i said no because at the time i did not. i have paid on time every month.…
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Electoral roll changed back to old address
Hi, was wondering if anyone else had experienced this problem. We moved home in June and updated electoral register. After about a month or so all address details had been updated on all 3 versions of both the credit report of my wife, and my own. Last months reports were all showing the correct new address as the…
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Credit Checks
I am trying to get the new iPhone 8+ on a yearly upgrade program and a sim only contract with EE, both of these require credit checks, If I apply for both of these in the same week will it effect my credit? I am a 19 year student, with only a current account.
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Debt Relief & Credit Rating
I have been in touch with the National Debt Relief who have proposed a monthly plan for me which means I will be debt free in 4.5 years. I am very happy with the re-payments and the amount of time it will take, but the only thing worrying me before I accept is how it will affect my credit rating. Does anybody have any…
