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Mortimer Clarke / Cabot
I wonder if anyone can help.... I received a letter from Northampton court in August 2014 regarding a defaulted credit card from Aqua. I filled in the financial details and offered to pay £10 per month. As it was worked out that my income was less than my earnings at the time ( I was a full time mature student ) nothing…
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Aqua application duplicated
Hi all I applied for an Aqua Classic card a couple of weeks ago, but today two cards arrived through the post. I called Aqua and they apologised and admitted that two accounts had been opened in error, and they closed one of them. I've subsequently raised a complaint as I'm unhappy about this error. Does anyone know the…
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Experian/ Equifax showing different things
Hi all Looking for some advice. I have recently downloaded my credit report with both Experian and Equifax. I have three defaults in total from a shared work rental 3 years ago where the flat mate didn't pay the bills he should have done. These were in a joint name so tarnished my report! I have two defaults with British…
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Credit Score Jump
My wife and I recently got a mortgage approved through Halifax, I was pleasantly surprised that it was approved as I had a DMP in the last year but it was a nice surprise. Since clearing my debt and getting back on track I have been very careful and signed up with experian to track my report, when I checked the recent…
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Experian - £2 Report - Need help
Hi all, Need some help. A few months ago there was an article by Martin on PPI - we followed it and joined the credit club to get our £2 credit file from Experian. Low and behold - for the last few months Experian has been charging £14.95 per month. Other than that initial time - we have not used or logged into Experian -…
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How long can CCJ's be enforced for?
Hello all, This is my first post and I'm just looking for some solid advice from you knowledgable lot. Basically... my husband and I met at the end of our 3 years being students, 8 years ago now. We must arried after 4 months of being together and have been together ever since. When we met (I didn't know this till a year…
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Credit Services Association
Has anyone ever had any dealings with the Credit Services Association? I made a complaint to them a few weeks ago about a member, Drydensfairfax Solicitors asking me for money for a debt owed to their client Max Recovery. I asked for valid proof of debt. They refused to supply me with a copy of the original default notice,…
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Motormile Finance UK Ltd
Have just opened up my credit file as am remortgaging next month to find the below....any help/advice hugely appreciated as at present it looks like we will be loosing our home. In 2010/2011 I got a few small payday loans - No job after uni etc. I didn't pay one of the loans back (£225). This account was opened on…
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Missing Current Accounts
Hi Everyone, I've viewed my credit report though the Money Saving Expert's credit club and two current accounts seem to be missing from it. (both with the same bank, although a credit card with that bank is there) Should i do something about that? The both have overdrafts arranged on them so count as credit. Thanks,
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Very Account
Hello! I'm sure you get asked this sort of thing a lot, but if I close my Very account will it improve my credit rating? I opened the account in December 2016, I have a credit limit of £1050, I have recently paid off the total balance on the account.Is it better to keep it open as a stable account, or close it to reduce…
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Free Overdraft - Credit Utilization
Hi, I have recently been doing some research into credit ratings and understand that credit utilization is one of the factors affecting credit rating score. I have read that having a utilization of around 30% is good, not too high, not too low. My question is regarding my current account with a free arranged overdraft of…
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CCJ Wrong Postcode
Hello, I have recently checked a credit file which isn't equifax or Experian and it appears to show a ccj on there which I have no recollection of which was sent to an address I lived in 5 years ago. The ccj was issued in June of this year for an amount I don't recognise. The only thing is the address is incorrect. The…
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Credit Scores (Experian, Noddle, Clearscore etc)
Hello, I have been looking at doing this for a while and I am still unsure so I am looking for other peoples experience in this area. When they say you can get your credit score for free is this really true or does it then cost after so long or cost to get your credit rating or advice on how to improve it? I have been…
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Just received ccj letter
Hey guys, newbie to this site so please bear with me. I have received a letter from northampton county court business centre. I dont know how to upload a pic so il give you a brief of what's on there. It's starts of with Judgement for claimant (in default) To the defendant You have not replied to the claim form, you must…
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Credit card debt offer
Hi guys Sorry if this is in the wrong group. I tried posting in the debt thread but it didn't work. I have £990 debt from a previous credit card company that's dragged on for years. They've offered me £100 to pay and settle. I'm suspicious of this. Anyone got experience of this? Should I pay and would that have…
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1st Credit Report
Hi, How long does it take for credit reference agencies to produce your first credit report if you have never had a bank account before? 3 or 6 months i assume? Does it depend the number of transactions you do that will decide if it's 3 months? Also, do you start with a low credit rating and this requires to be built up…
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Don't know who the company is on my credit file
Hi, I have a company called Hoist on my credit file but I don't know who they are it says the account was open in 2006 and last active in 2014 I remember having a few debt companies taking on different debts so I would of thought I'd have paid it off by now but I've never heard of the company. Can I write off to Experian…
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equifax/experian credit score....huge difference
i know the score doesnt mean alot but why between the 2 is there a massive difference? my experian is 999-excellent my equifax is 331-poor strange........
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Equifax via rbs.....
hi i have just had an alert on my equifax account and it is saying that EQUIFAX VIA RBS (hd decisions) have made an inquiry against my credit report...... who the heck are they? i have had my mortgage 1 week and i have not applied for any loan/credit other than a natwest online loan query to see if i may be accepted,it…
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Wrong name
I applied for bank account which was accepted, due to my stupid keyboard keys sticking I've put wrong name in. For example instead of Stephenson it's Stehensn (two letters missing). This is 100% my error. All other data, address, DOB, salary etc is correct. I've called the bank who suggested going into branch to change…
