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Financial Probity
Hi, I was just wondering if anyone would be able to help me with some advice. I am currently in a debt management plan and I got an offer of employment subject to aviation background checks which includes financial probity checks. It isn't a job that handles any money nor a senior role. Does anyone have any experience with…
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Payday loan history - effect on credit file
Hi, I am in the process of rebuilding my credit file doing all that is advised, budgeting well and using my Barclaycard initial carefully. Until I understood the importance of all this, I, in the past had regular payday loans. Lots of them. Nothing is outstanding / owed, however I'm concerned that this will effect my score…
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Is spending on a credit card and immediately paying it a bad thing?!
Morning. So I joined the MSE credit club, everything is shiny green and "very good" except my debt to income ratio which is Amber and "fair". So can anyone explain does this relate to the amount of debt I have on loans and credit cards? I currently have 5 accounts with overdrafts and a credit card and no debts on any, I…
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confused - 3 different credit score
Hi, I've checked my credit score on 3 different sites and they all have 3 different scores. I used Experian, ClearScore, and Noddle. The information on Noddle is the most updated one because I registered on this site first. Info on ClearScore won't be updated for another 20 days. Should I worried about this? Because if a…
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Gf - poor clear score
Hi, My gf is using clear score to see her credit rating and experian it started of at 17.. not its at 450 on experian and started at about 2 and now 250 on clear score Part of hers on clear score as a negative says not applied for much credit in the last year and also her max credit limit is low (her credit card limit is…
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Energy supplier - date of birth
Hi, I will contacting an energy supplier soon to set up an account. They tend to ask for a date of birth, but I generally try to give out as little sensitive information as possible (especially in these days of high profile hacks), so I'm tempted to refuse or give a fake date. However, because this is an energy supplier,…
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Credit File Default Help Please
Hello, So I really need some advice on this situation as I am not clued up at all! I had a credit card a couple of years ago, which was passed to a debt collecting agency and this was paid off in installments last year, so I have a default on my account for this, which is fair. This month a company called IDEM, whom I have…
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CCJ showing as Satisfied
I have a CCJ showing as satisfied however it was paid within the month so shouldn't appear on my file. How do I fix this?
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Cancel Credit Card or Not?
Hi folks, I have a two year Barclaycard 0% interest credit card. Originally, the limit was 3k at 0%. After a year of having this card, last December, I pushed this up to 6k 0% as I needed something expensive... I've always made the minimum payment, always, and have just paid the entire balance in full at the start of…
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Missed Mortgage payment and lending again
I have a property I rent out. My father manages the property through his letting company. Over a year ago my father was hit by a car and missed three mortgage payments. I was not aware of this. As soon as I found out I paid all arrears. I have never had any arrears, am very careful and have a good income. However these…
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Switched banks, they missed payment, is my credit rating at risk?
Hi, Been a long time user of the site but never asked a question so apologises if I break any house rules or anything that I don't know about... I have recently completed a switch from HSBC to Halifax for the switching incentive. I used to bank switch guarantee and all of my direct debits have moved over and swapped…
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Will the dentist ruin my credit score?
Hi guys, I'm aware that my title sounds a bit ridiculous, but I'm honestly furious! Long, boring story short a month or so ago I attended an emergency dentist and had treatment done. I've never really had to pay for treatment before since the last time I attended was approx. 9/10 years ago. Informed by the dentist it would…
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Anyway to check if I have bad debts?
I had a contract in 2009 for Orange Broadband internet, business £10 a month. It kept on dropping out so eventually it turned out that the dongle was interfering with the anti virus software. I eventually agreed with Orange to send it back. However I'm slightly concerned that the contract was never ceased and they have…
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3 year old CCJ
Hello all, I have an old CCJ (long story from a private parking company) for £145. This was issued in Feb 2014...so coming up to 4 years old in Feb 2018. Now my credit files were showing in the fair/poor categories and I thought I would struggle to get any credit until after the CCJ drops off in 2020. I know CCJs are not…
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Credit club -credit report reference number?
Does anyone know where I can find this in the report please?
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Noddle.com don't think I exist?
Hi, Newbie to the forum here. Last Friday I attempted to sign up to Tesco mobile via their website and purchase 2 mobile phone contracts, after entering all of my details correctly the screen froze upon submission and "unable to pass identity check" was displayed. I assumed this was an issue with the website so phoned the…
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BT Engineer Scam
ARGH. I'm in the US travelling. My husband is in the UK. He had a phone call with a 'BT engineer' and he gave them access to our computer. They have purchased amazon gift cards, etc.... He's gone to his bank and cancelled card. I've changed all the passwords on email accounts, bank accounts, credit cards. Working my way…
