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MSE News: Massive Equifax data breach - what you need to know
Credit report heavyweight Equifax has warned that millions of people - including some in the UK - may have had their personal details stolen as part of a massive data breach. Info on exactly who's been affected and what you can do about it is sketchy so far, but here's what we know...Read the full story: 'Massive Equifax…
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Email or letter?
Good evening. As the title suggests. Should I email or send a letter? I'm in need of sending a prove it letter. Thanks
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Default on CF after settling loan two days late!
Hey i just wondered if anyone can give me some advice. I applied for a loan of £500 with a PDL but soon after I lost my job. I setup an arrangement for a reduced monthly payment over a longer period of time. I ended up paying the final payment in February two days late, but at this point the account was settled and I…
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Credit Score dropped over 100 points?
Hi, Could anybody tell me if this sounds right please? I've been working hard over the last 12 months to get my credit score up as I am hoping to get a mortgage next year. Last month I applied for a 0% Barclaycard to transfer my shocking rate credit card balance to in order to pay it down quicker. I knew that my score…
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Easy way of Getting a Credit Check
I am hoping to get a credit check but I have had a lot of accounts and the history goes back further than my memory. I've tried to get online checks but keep getting the questions wrong:eek: and am locked out of several sites. I'd be happy to pay my 2 quid if I don't have to do an exam to get one. Does anyone have any idea…
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Next Directory Accounts
Hi I currently have a store card with Next which I have been using over the past couple of years. It started with a low credit limit, then it rose and reduced a little, but crept up to 3.5k earlier this year. It was then snatched away from me and reduced right down to £1 above the balance owed. Not that concerned as Next…
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Reduce Available Overdraft?
Hi All, I am looking at the options around increasing my credit score ahead of a mortgage application in around 18-24 months time. I have no outstanding debts, all paid off, i do have a default on my account but it will have cleared by the time i apply, hence my wait of 18-24 months. My question is around my overdraft, i…
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MSE Credit Report not updating
Hi, Apologies if this is the wrong forum.. My MSE Credit Club score didn't update for the last month and is still stuck on last months score with the following: Last updated: 08 Aug 2017 Next update due: 07 Sep 2017 Is anyone else experiencing this issue as well? Thanks, Gary
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CCJ missed payments!
Hi, Sorry I am new to this and so not sure if I am posting in the correct place or even if what I am about to post is something I should already know etc. I am trying to steadily repair my credit rating one small step at a time. I do have a CCJ for a loan I defaulted on and this was granted in January 2016. I have paid…
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Freezing credit reports
Hi is it possible to freeze your credit reports for example noodles, equifax etc, to prevent anyone from looking at it, I think someone obtained certain details about me , direct debits payments etc.. To use to access my report, Thanks, great site
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When only an average salary will do
Understanding that consistency across the board in answering credit application questions like mobile number, job title and salary can make or break a credit check, I have a question about salary. My primary source of income comes from waiting on tables -- I have gone back to school in an effort to acquire some new skills…
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Setlling Defaults
Hi All I have two defaults dated 03/07/2012 & 16/01/2013 (182 &584). I have been offered a partial settlement on the £584 for £150. Should I take this or try and pay it all for full & final as I hope to take out mortgageinthe next year with my partner. I would appreciate any advise. Regards
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Late CCJ instalment...
Hi, I really hope somebody can give me some advice! My partner has a CCJ for an old mobile phone bill that was forgotten about. We managed to agree a monthly instalment plan for £70 per month, and have always paid on time (if not early) each month. This months payment is due today, however we don't have enough funds to pay…
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wrongly placed CIFAs marker by Barclays
When I first opened my Barclays account in 2015, it has been over a week before I received my card in the post, and when I went in branch to enquire about it, someone had intercepted the post and stolen the card and used it to put money IN and take it out too via ATM. This was a case of fraud I experienced at the very…
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High credit score low credit history!
I have only recently taken on a mobile phone contract so this is my only form of credit and already my credit score is very high. Should I be wary of this or could it really be so good after only 7 months?
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Discovered unknown defaults
I have discovered British Gas has wrongly reported I have defaulted on payments. I notified them I had left address in Dec 2014 and that my ex husband was remaining in the property I was told no money owed and never asked for forwarding address etc. Found out today I have missed payments appearing on Equifax starting from…
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Equifax hack
Oh dear. What's going on here - see Telegraph article on front page. One of the world' biggest hacks. Can we really trust our data with these companies?
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need help Experian don't seem to be resolving their mistake regarding disassociation
Hi , I wonder if anyone can help, I'm totally stressed out with Experian !!back In 2015 I sent an disassociation form regarding my Ex husband they updated this and he was removed, I've remained a paying customer with them for about 4/5 years now . In July I checked my file and noticed that my ex had reappeared as a…
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Default on credit files
Very gave me a default in 2012 after I entered into a DMP. This showed as such on my credit files, default date in 2012. In 2015 after being in DMP since 2012, Very sold the account to Lowell. When this happened, the Very account data was removed from my files and Lowell their own new data with a new default date of Sept…
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possible statute barred debt help please
