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Credit score dropped by ~200?
Hi, I've been using CreditClub religiously every month to keep an eye on my credit score, and I've been doing fine up till 22nd December, when it was last updated. A month ago I was told by my bank that I still had a student account that needed upgraded as I had graduated back in July. I made an appointment and this…
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Building a Score
Hey guys, I've had my one credit card since Summer 2016, and purposely set my credit limit very low at £1k to test the waters. Currently, the only two negatives on my Clearscore report are that the credit card limit is low, and my credit card % utilisation is relatively high. To me, increasing my credit limit seems like a…
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Dormant Bank Account
I separated from my ex-partner approximately ten years. We are not in contact, nor do I know his whereabouts. There is still in existence a Halifax Cardcash Account in joint names/joint signatories. The account has lay dormant with a zero balance since the separation. I have approached the bank in the past to explain the…
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Address used for fraud; do I need to worry?
Hello Newbie here, never had any problems before but an Insurance company has written to my address, to a name I don't recognise. They have confirmed this was attempted fraud (bit worrying as I used them myself couple of years ago) and suggested I protect myself from any further attempts. As this wasn't an attempt to use…
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Equifax unable to change surname
My husband and I got married 3 years ago. When I husband advised Equifax he wished to change his surname, he was advised that this was not possible for a man, but was possible for a woman. After filing a complaint with the company they upheld our complaint but said that there was nothing that they could do. The error with…
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Credit card missed payments/Mobile phone contract
Hi, I've had a credit card since 2002 and was recently told I had missed 72 payments since then. I always paid them eventually(late payments), never disputed any, the odd time final warning, but always paid eventually, alot of the time it was minimum payments. I owe approx £1,400 and realistically can have it paid off in…
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PayDay Loan Company Added Account 6+ years after...
I'm hoping someone can offer some advice. A PDL company has added an account to my Equifax credit file. It was apparently taken out in April 2011, and this was a bad patch of my life although I genuinely don't recognise it. Anyway, they have added it in December 2017, saying it was opened in April 2011 and settled in…
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Old debt not showing
Hello! My husband took out a loan several years ago, he then took out DMP with step change. Got into a better financial position and so paid a lot off and wanted to pay direct to the lender for the loan. On the credit club experien credit file this debt doesn't show despite him still paying this back, the step change…
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Closed account - notice of default served with NO WARNING
Removed personal information
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is there any company or agency that will look for everyone you owe money to?
i have just received an email within the last few days off talk talk saying i owe £500+ so i log in to my account and speak to someone online, i haven't been with talk talk for bout 2 years the agent said its £500+ because i was still in a contract when i apparently left and was in contract until last spring told them i…
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Victim of an internet crank Shantanu Panigrahi affecting job-hunting
I'm one of hundreds (?) of victims of a determined, crazy or malevolent internet crank 'Dr' Shantanu Panigrahi. This is affecting my jobworthiness. The post, sorry, may not fit properly in this forum but it was the closest I could find in MSE. A week ago I was rejected for a senior administrative position, which job I…
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To Settle in Full or Partial
Hello There, I can’t quite get my head round the matter of settling old defaults and would welcome advice, please. :undecided In 2008/9 I defaulted on several accounts, with the bank & credit cards. In total the amount to about £25k, across six accounts. I have agreements in place (no formal IFA, DMPs etc.) and have been…
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What is a bank default?
Hi all, I stumbled upon this place (although I have heard plenty of references to MSE and the wealth of knowledge on here) when I was doing a google search to try and find out what a "bank default" is and specifically in connection with something that was registered against myself on Experian. Equifax and Call Credit back…
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Homeowner/tenant credit file
Hi My apologies in advance I am new to the forum so hope I have put this post in the correct place! I just want to check what I need to put on my personal information. I live with my partner who is a homeowner, however, my name is not on the mortgage as he owned the house long before we got together. Do I put that in a…
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PRA group debt collectors
Hello everyone I am seeking some advice please . I took out a £3000 loan from Halifax around 2005-2006 shortly after that I fell into depression and lost my job, as a result I was unable to afford my repayments and I got a CCJ . I struggled financially for a couple of years after because of my depression. After years of…
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Can my ex-bank refuse this information in an SAR
A number of years ago I entered into an IVA and completed it with no issues. My credit rating is currently good and now shows no references to the IVA. I recently went through a mortgage broker who mistakenly submitted an application to one of the creditors involved in IVA. The application was initially accepted but…
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***** Solved ******Lower my Credit limit for a better rating?
***** Solved ****** Hi All, I have a decent credit file and am thinking about improving it. I've done and followed all the bog standard advice over the years. However I have recently taken out a new cash back credit card (limit: £4800) and I'm wondering whether to lower the limit on an old credit card (limit:£1600). My…
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Help and advice please :-Been taken to county court for £15 ! yes £15
Help and advice please... Okay long story short.... I bought a item from a ebay business seller on november the 1st for £23 , it arrived , bought another item from the same seller on November the 8th for £8 , but decided to cancel the 2nd order , which I did within 1 hour , the seller they said they had cancelled the order…
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Credit score rent payments
Myself and my partner pay through Credit Ladder for a portion of our rent and both have the MSE Credit Club, do we split this on the details on the website there it says household expenditure for rent etc or the total household for both?
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Annual earnings
Just something I wanted to know if anyone knew anymore information about. On my annual earnings I usually put my annual earnings as per my P60 for the previous year is this correct? At time of writing during the 2016/2017 period in addition to my present position I have done some work for the local authority and I have…