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Do credit searches really disappear after 12 months?
I've always been told that, after 12 months, credit searches 'fall off' a credit file. But does this mean that lenders cannot see searches older than 12 months, including for the purposes of a mortgage, or only that I, as the consumer, cannot see it on my file?
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British Gas debts help please.
I have these on my credit file. I’m not with them. I was before but had issues with the gas. Any advice please. Why did they not default, why would one be suddenly settled. Is it six years from being settled it disappears. Sorry it won’t let me post pictures. I have four account on my file two for gas two for electric. And…
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Defaults!
Hello. My wife and I have a problem in regards to credit history and we wondered if anyone might be able to help at all. We were in a debt management program through stepchange a little while back as we started getting in to trouble. We hadn't missed any payments but we knew that we would if we didn't do something asap. We…
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Should I close my Very Account
I have a Very catalogue account with a £1500 credit limit. I've ordered stuff on account (never more than £300 with buy now pay later and as such paid no interest. Question is there is no longer anything on the account, I managed the account well with no issues. Would it do my credit rating good or bad if I now completely…
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MSE money club - view missed payments
How do I view missed Payment? I ha e one but no idea what it is!
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Credit rating when living with partner
Hello all - love the website and forums :) I had a question that I can't seem to find a clear answer to. Backstory: I live with my girlfriend in a property where we are both named on the lease. We are not married. We do not have any bank accounts and any utilities are either in my name or her name. She pays the total rent…
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Cancel Only Credit Card
Hi Folks, I currently have an Amex Platinum Cashback Credit Card with a credit limit of £17,000 that gets paid off every month. Due to the cashback amount going down and starting a new job with a lot more travel (= expenses) I have moved over to the Gold Rewards card for the points. The problem is the Gold card is a Charge…
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CCJ - Received County Court Claim Form today help??
I have received a County Court Claim Form in the post today. Does this mean the person has applied for a CCJ against me? I received an invoice by email for ground rent from a property I own on 1st October 2017. The dates are wrong on it (01/10/2017 - 31/03/2017) it should have read March 2018. I replied to the email to…
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Debt paid still showing balance
Hi hope someone can help me. Around 5 years ago I got in a bit of a pickle with debts and used a payment plan through payplan to get sorted :beer: My DMP finished in 2014 but one of the accounts, a DFS loan through Abbey is showing a balance of £11, all payments except that last one are up to date. Account hasn't been…
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Does Halifax car hire purchase appear on credit report
My question is the title. I recently took out finance on a car through Halifax on hire purchase. Does anyone know if they report credit? Also should hire purchase on a car appear on credit report as debt is against the car and not me. TIA
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So annoyed at myself :(
I knew I had adverse credit but have avoided looking at my report for a few years now, just burying my head in the sand. Tonight I logged on and faced it. Put it this way, my score is double figures. It’s bad. I’m so angry with myself. How could I be in my 30s with a family and still be in rented housing with 6 defaults??…
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Experian STILL Not Showing Me On Electoral Roll
Hi all, I'm not sure if this issue has been raised in the past (I'm new to the forums, so apologies!), but I need a little help. I applied for car finance last year, and was refused. I was told the most probable reason for this was that my Experian report didn't have me registered on the Electoral roll at my address. I…
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Anyone has a ccj set aside from parking eye?
Hello everyone, I’m after a bit of help, back I’m march 2017 me and my husband went somewhere in London, he had a meeting so i stayed in the car, I called RingGo and bought a ticket for about 2-2.5 hours. I was holding on the line for a good 10-15 mins before I could get the ticket. The ticket ended at 12.30lm and we left…
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How much bank data is visible?
An online credit card application asks for my main bank account number and sort code. This raises some issues as I have 8 current accounts at 5 different banks. My pension is paid into NatWest and I generally regard this as my main account. However, this account is too old to appear on any of the three CRAs. The other 7…
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Credit Report
Hi I wondered if anybody could advise me. Does this mean that I am in credit or does it mean I owe £425? Many thanks ———————————————————————— Details of Account Account BRITISH GAS TRADING Info Type Electricity Account started 24/02/2014 Current Status Up to date Credit Limit - Balance £425.00 credit in use Entry code C8…
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Credit Searches
Hi. I am about to re mortgage my house as paying a bad 4.75%! after a 10 year fix. in the last month have took out a loan for £10,000 (for car) and opened a Santander 123 lite account. When is it safe for me to re mortgage bearing in mind my credit file? The bank have said they can do a soft search which won't effect it…
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Credit Searches: Hard or Soft?
I regularly check my credit reports free of charge but the three CRAs all have different terminology for previous searches which is not always clear to me. Experian viewed through the MSE Credit Club have "Searches that may impact your Credit Score" and "Searches that do NOT impact your Credit Score". I do not like the use…
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Chances of mortgage?
Hi guys. I would like your thoughts on the likelihood of being accepted for a mortgage. My finances have been perfect for the last 2-3 years and i earn a decent salary now. However I have two defaults from 4-5 years ago for a credit card -£627 default mobile phone - £798 these have been settled for sometime. I also used to…
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Credit file for early settlement
I am currently in a DMP and I told the company I am using that I had contacted my creditors to obtain settlement figures as my family may be in a position to pay these off for me their reply was " Thank you for letting us know. We also have our Settlements Team that would be able to help if you wish. Remember, short…
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Change Arrears To "In Dispute" Solar Panel Loan
Hello Everyone, I have a solar panel loan which is in dispute with the FCA under section 75 (consumer credit rights, something like that) Lots of people have disputed the way the solar panels were sold initially, and also have raised disputes with the FCA. Interest on the loan has been stopped and I stopped paying the…
