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Credit score history
Does anyone know where I can see the history of my credit score? I think it might have gone down this month and want to find out why. I have checked my previous report on MSE Credit Club but they don't seem to show the score for previous reports. Many thanks BNS
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CARS and Close Brothers 'debt'
Received a letter purporting to be from 'CARS' a debt collection agency out of the blue, but the number is dead when I try and call. I have no debt at all to my knowledge with supposed creditor Close Brothers. Never heard of them tbh. I've always looked after finances well and cannot think of anything this relates to.…
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Close Credit card??
Hi all, I’ve been using a couple of credit cards to boost my credit worthiness over the last 24 months. I have now been accepted for a Tesco Foundation card. The question is I have a Vanquis card with a £250 limit that has never been increased since I got it 18 months ago, should I close that account or continue to use a…
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No adverse credit but unable to get credit
Hi, I regularly check my credit file and have alerts set with the 2 main credit reference agencies, there is no negative info on there such as missed/late payments etc, I’ve been at my address for 3 years, on electoral role, homeowner, employed, a couple of credit cards etc. So in theory I should be a lenders ideal…
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Which Credit Score do you believe?
Since the birth of Noddle and getting your credit report and rating for free, there are now numerous places to get your credit report and rating/score for free. The question is which one is accurate? and why are there such big variations between companies who supply the details via the same credit reference agency? Looking…
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T mobile defaualt
hi people had Tmobile contract paid up the 2 years then ported to ee with same number,shortly after this moved address and told EE. Now checked credit file,default from lowell for mobile provider ex t mobile knew nothing about it had no letters no contact from EE Have rung EE and they admitted the default was a mistake and…
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Can somebody help me. My Credit score went down and I dont know what to do.
I always have a 999 points score and never any problems but now my score went down dramatically to 782. The reason why this happen is because It is showing me that I have one account CAPITAL ONE showing as Default. What happened I had with them a long time ago a credit card which as far I was aware had been paid in full…
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two overdrafts?
Hi, thanks to some brilliant advice on here, i am now set up as follows - barclays credit card with 6500 limit Natwest current account with 1750 overdraft... account is in credit and this is my main account that everything’s comes in and out of Starling account set up yesterday, which i am going to use to “pay myself”…
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Credit Club having Christmas break?
Applying for credit shortly and just realised that my monthly email advising that my credit report has been updated didn't arrive. Have tried logging in via the MSE home page but the once I have inputted my credentials and are transferred to Experian website it then just times out. Anybody else having this problem?
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Barclays new Account Closure
No longer needed
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Equifax, breach and passports
My wife and I have been trying to check our credit reports. Experian and Noddle OK. Also her Equifax. But I've got stuck with my own Equifax report. 18 months ago I found an unrecognised linked address on my Experian (not Equifax) report. There was no financial loss - just an attempt to take out a phone contract in my…
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should my wife apply for credit using maiden or married name?
We got married 2 months ago and my wife is still updating her name for driving licence, banks, passport, utilities etc. She is just about there, but some are still coming through. She recently applied for a TSP Classic account but her application was rejected. I believe this may be because she applied in her married name,…
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Proof of debt challenge - help required
Hi everyone Sorry if this is in the wrong area. A month or so ago I got a letter from Robinson way saying I owed money for an account with a bank I did not recognise. I sent a prove it letter as I have absolutely no knowledge of thwhat this account is even in relation to. Today I’ve received a letter saying they are…
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Utility company appeared in Noddle credit report?
I did my monthly credit check using noddle (as usual) and the rating had gone down unexpectedly. Looking through the file, in the "financial-account-information" section in addition to the expected bank accounts there is an entry for Severn Trent Water. The name and address is correct, but there are three errors: 1 the…
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Credit Check Done, Services Withdrawn. Rights?
Relative has excellent credit rating. Recently signed to new entertainment provider and once order placed for services they agree to credit check, which passes. All is good. New provided then decides (and doesn't tell new customer) that one service (telephone) they cannot provide because of availability - there is none in…
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Trying to shift overdraft with a 0% money transfer CC
Hi all! So, I'm in about 2K of debt on my overdraft and am paying anywhere from 30-50 quid a month in fees. I have no way of even touching it to pay anything off until August of 2018. I'm hoping to transfer it to a 0% money transfer credit card, but every time I try to do a credit check on Experian, they can't verify my…
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Default Notice on File for 7+ Years?
Hello I made a couple of late payments on my mortgage back in the autumn of 2012 - this is not at issue. I moved house in the autumn of 2013 and repaid the mortgage in full. I subsequently discovered that the bank has applied a default notice to my credit file from the date at which I sold my house and settled my mortgage…
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three mobile bad credit
Hi and thanks for taking the time to read this. I am a long time lurker on the site and there is a lot of great advice on here - thanks in advance. I have an issue where a family member has decided to cancel a mobile contract that was in my name. the only way i found this out is due to the fact the 2nd house purchase the…
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Checking past credit report
Does anyone know if you can get hold of past credit reports, even though I was not a member of the CRA until last month?
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Huge name change issues with Experian! Please help if you have knowledge/experience
I’ve recently changed my surname by deed poll ( back to my original name, my mother had it changed for me when I was younger). I have managed to change it with pretty much everyone (bank accounts, mortgage, passport etc.) However, I am having massive issues with Experian. I haven’t even attempted the other credit reference…