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Help with a default!!
Hi, im a new poster and looking for some advice.. i checked my credit report and found a default from a debt company. Not much details. Last 4 numbers of account number, default date and amount. Anyway i contact debt company to find out about this and got a reply back thats totally confused me.. my credit report - says 1…
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Unpaid credit dropping off before 6 years ? Weird
So over the last month I’ve had 2 defaults drop off my credit report which I haven’t paid ? Payday express I owed £150 and it has completed gone off my report ? Also EE I owed £60 and it’s completely gone ? My score has increased his month but it’s still showing one last default. What’s going on here considering these are…
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Help with a default on my account
Hi, I had a credit card with MBNA limited in 2014 and my debt was sold over to Link financial. I had a payment arrangement with Link financial and paid the debt off last year. When I last checked my credit report, I noticed a default on my account with Experian, in 2014 by Link financial. I was a bit shocked as I never…
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Lowering Credit Rating - Overdraft
Hi - I am using this year to attack my debt and improve my credit rating, ready to get a mortgage in a couple of years. The first thing I am working towards is clearing my overdraft (Was £2000). I lowered my limit to £1500 this month, and this has actually made my credit limit worse. What am I doing wrong? Thanks all!
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First credit card
Hiya, I'm an 18 year old still in free education living at home, that wants to build up a credit score to get a mortgage. I work 8 hours a week as well so earn around £2000 a year and have a direct debit set up to save every month. But I can't find any credit companies that will accept me at the moment, is there any way…
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Missing accounts
We live overseas but still own a uk place and have some uk accounts and out of interest decided to check our credit reports in the uk for the first time since leaving almost 3 years ago. Experian and Equifax both have 2 accounts missing - Barclaycard and Tesco credit card. I’ve not checked with Noddle yet as for some…
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Is it better to pay off more to increase credit?
Hi. When paying off the monthly balance of a credit card (purely to build up a credit score) does it matter who much is paid off? So basically does it matter if I spend £50 or £100 In a month if the card is paid off each month?
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How long do declined applications affect rating?
If someone applied for a load of cards before being accepted, how long does it affect the credit score for?
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Residential status - parents
My parents have recently put their house in my name Should I change my residential status on my credit file to homeowner instead of living with parents? thanks in advance for any help
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Credit File - AR - Options
I posted this on a thread on the Debt-Free Wannabe forum, but interested to get some opinions on here. Quick backstory - in 2011 my wife and I entered a DMP. That ran until 2016 when we set up direct payments to our 2 creditors Idem (5 accounts) and PRA (2 accounts). Direct payments actually worked better than the DMP and…
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Assisted Mortgage
Hi, We would really appreciate your help and advice please, if at all possible. We are trying to get our daughter on the mortgage ladder, but she has a bad credit rating which we will doubtless impair on her borrowing ability in the short to medium term. She is paying off her debts and her credit rating is improving but…
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Build credit
Hi I'm trying to improve my credit even more over the next few years to get a mortgage I've got one bad factor a ccj for a phone contract that's currently being paid off. I've just got a capital one credit card and am I right in thinking if I use it to pay off 2 bills , virgin tv , virgin phone contract and then pay it…
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Closed current account that wasn't mine?
Have opened up a noddle account, to have a look at my credit file. To my shame it's the first time in about 5 years I've done this. I noticed a current account with Barclays. I've never had an account with them. It was closed in 2015 and is marked as settled with a balance of zero. It also shows that it was opened in 1997,…
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Credit Cards and rating for mortgages
We are just about to get a new mortgage deal on our current house. We have had credit cards but are about to pay them off before we seek a new mortgage deal. Is it best to pay the credit cards off and either a) leave the open or b) close the credit card accounts. Which will have a better effect on our mortgage applications?
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Default dates
Hi Can someone with a bit of knowledge help me out. My history is that I went bankrupt on april 2012. In april this year it will be 6 years since that date i was assuming my credit report would be clean. The problem is that on my credit report one of my creditors are showing defaulted for a number of months after that my…
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Halifax late mortgage payment
Hi, I have a mortgage with halifax and realised in November that a payment had bounced. I rang up and was told by a automated message that the payment would be retaken in 10 working days. I was given no warnings about the affect this may have on my credit history or an option to pay then and there with a debit card. The…
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change my name or not ?
HI. I am now 46 years old after splitting from my father when i was 2 years old my mother decided to call me by my middle name,this is a name ive used throughout all my school and adult life,however this is now starting to cause me issues. When recently taking out a new pension the company insisted on using the name off my…
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Quotemehappy default by
My car insurances direct debit got cancelled for some reason. I was due payment on the 16th and paid 9 days later having received a "default 87 (1)" letter. Would paying 9 days later affect my credit score? I ask as if like to apply for a mortgage in the future. A bit !!!!ed off as it's only 9 days :-| Regards, Ken
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Emigrating. Does my credit report affect things?
Hi, Newbie to this group so please be kind.... Thinking about emigrating (who isnt these days?) and wonder if anyone has any experience of how (or if) your credit report status affects your chances of acceptance into another countries immigration process. Looking at Canada as an example. If my credit report is a bit iffy,…
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Are unrecognised soft searches something to be anxious about?
I've just checked Noddle, and there are several searches showing from 24 January, categorised variously as ID checks, quotation searches and general insurance. I've got similar soft searches showing up on my Experian report, for the same date, although nothing on Clearscore. The searches look like the sort of thing that…
