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ccj wrong address
hi, i have recently received parking ccj saw on the court search site, my name is correct but at wrong address where i never lived and claimant do not have my date of birth either would it show on my credit file? ccj is related to parking fines. regards
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Credit Club Need Some Help Section
Please can somebody help me? I need to report an error on my credit report through the mse credit club. The FAQs say that I have to do this via the "Need Some Help" section on the credit report tab. However, I cannot find such a section on this tab, or on any other tab! I emailed Experian direct, but got a reply saying I…
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Debt letter through door. 8 Years old
First post. So hi to all! I’m just about to complete on our first house :p we are not far from exchanging contracts. A little about my past. 8 years ago I had a credit card and store card and had balances at around £300 on each. Being young & stupid, I did not pay these off and ignored all letters after i moved out of my…
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CCJ on a Ltd Company - how to break from it.
Hi, Hope someone can help me here. I have a CCJ on my limted company - it was raised without my knowledge due to access issues to the documents advising of the court case. I wasn't even aware of the debt until it was too late. I have now paid this debt off. But I understand that the CCJ stays on my company file, for which…
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Credit Card / Credit rating help
Hi guys, I’ve had a Capital One card for about a year now and always pay the balance in full. I’ve now been accepted for a Marbles card with a lower interest rate, should I ever need it. My question is, what is best for building credit? Should I have both cards active or should I now close the Capital One account? Any…
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Credit Score Help
Hi Guys. I'm currently a 20 year old student and have recently tried setting up a student bank account and getting a new phone contract. Both of these applications were turned down because I apparently have a bad credit score. So I singed up to Experian and found my credit score was 804 which they class as fair. Is this…
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MSE Credit Club - time to register address change to login
Hi All, Does anyone know how long you need to wait after moving before being able to access your experian credit report? I've been using it for a while but this month I can't get in. When I try to login to credit club it recognises that I have moved house (into my first home last friday :D ) and wants me to include card…
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Advice request for dealing with old debt and credit scores
I have today received a letter from a debt collection agency, it refers to a MBNA debt of £596.19p dated April 2009 after contacting MBNA today direct it appears the debt is from a credit card which was sold to Activ debt collection agency in 2015 who have since moved it onto another agency. It is a letter offering a…
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Got 0% BT offer, any way to get cash from it?
I know, I know, I should of applied for a money transfer card :( I applied recently for a balance transfer card as I have a few thousand balance coming to an end on a Virgin Money card, so applied to MBNA, and was approved with a £12k limit over 37 months, I only really need £4k for the balance transfer (I'm not moaning,…
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Joint accounts and linked names question
Person A and person B have a joint account and person B is removed from the account. Person A then get a joint account with person C. If a notice of disassociation hasn't gone through and person B then gets into debt or has any other serious money issues, is person C linked to person B on their credit file?
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affordability -credit cards
Doing affordability checks and I am coming out as very low. This is because all of our credit cards are in my name only and not in joint names so I think its just looking at my salary and by credit card balances. If I set my husband as a joint card holder would this improve it?
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Advice on Improving Credit File - I'm clueless!
Hello All This is my first post, so forgive me if my etiquette is a little off! Long story short, I have a lot of debt and I'm on a DMP. I have a house with an interest only mortgage £176k, recent valuation at £250k My DMP is circa £40k and I'm currently paying £340 a month, In about 8-9 months I can increase this hugely…
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Failed security check with Experian for accessing my credit file with them
A few weeks ago I joined Experian to view my credit file with them. They said they'd have to send out a pin as they couldn't verify who I was. Pin never arrived and now I'm a week off the free trial ending. I called them up and somehow failed the security check on the phone too! All the details I provided were correct, so…
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Retirement and credit rating/credit card limit
I have recently retired and am wondering about the effect on my credit rating. I've always paid off my CC bill in full, never had any late payments, etc. I use my CC bill for about 90% of my outgoings, except the mortgage. I have a mortgage with 12 years to run, but I plan to move house next year and will probably pay it…
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Can’t open any basic account/Student Loan /CIFAS marker?
about 6 months ago I lost my debit card and money was transferred into my account from a random source then withdrawn straight away. I then called up nationwide to tell them I’d lost my card and that money was withdrawn from my account, I told them that it was not me who withdrew the money, they deemed this as fraud and…
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Help to get back on track please?
Hi guys I've got no excuses. When I was younger I was awful with money and defaulted on many accounts. I buried by head in the sand to be quite honest and simply avoided the situation. Well now I'm a little older and wiser and I recently decided to take a step towards rectifying the situation. I did an Experian credit…
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How many times is too many to apply?
Hi everyone, I was wondering if anyone could offer any advice on how many times would be considered 'too many times' in terms of applying for a loan/credit card.? I am in a situation where over the course of the last couple of years I have accrued about £6,000 in debt on my credit card that I am eager to be rid of. In my…
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Stability issues
I've just done a credit score for the first time and it came out as fair. The areas that were affecting me were Stability and Credit applications. I recently switched to B bank and have swapped mobile phone contracts a few times this year. Would being 'fair' mean it's unlikely I will get a mortgage? I'm looking to apply…
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Martin Lewis Credit Club
I have joined Martin Lewis's Credit club and now have access to my Free Credit Report and Credit Score from Equifax. I used to pay £15 to be a member of Equifax and another £15 per month to be a member of Experian. I stayed a member of both for just over a year. Once I knew my credit files were clean and had no bad info I…
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Lowell and shop direct default
I am wondering if anyone out there can help? I have found a default in my credit report from Lowell from November 2016. The problem I have and am trying to fight is the date of the default. Firstly I went into arrears in October 2015, I may a few token payments to shop direct December 15, Jan- March 2016. I contacted…
