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Late payment
We are currently getting ready to apply for a new mortgage. We've been really careful with our outgoings and monitoring our credit files. But I've messed up!!! My partner has a loan with 118 money and the DD comes out of a different account, I've made sure we have all the DDs coming out of our joint account, but completely…
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Payment Authorisation/ Signatory for employer
I work in a very small organisation in a relatively senior role. I've been asked by my boss to become an authoriser for payments for the organisation. I've been asked to provide d.o.b info and address history for the past 3 years which makes me think that a credit check is going to be run (i haven't specifically been…
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Electoral Register
On this evenings program, Martin mentioned that not being listed on the electrical register does not affect your credit rating score. For security reasons associated with my job I do not publically appear on my electoral register. When I look at my credit score on Clear Score I have one negative entry due to the…
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Can’t find credit file
Myself and hubby are trying to check our credit scores. Have tried agencies online. However, our postcode is not registered and credit agencies can’t find us. Also, therefore we are not on the electoral register. We are both in our late 50’s so there is plenty of history to be looked at! We have tried to open bank accounts…
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Refused credit from Carphone Warehouse
Both myself and my Husband have been refused credit with Carphone Warehouse online, no reason given but to either contact Experian (which I have) or Vodafone. My credit score with Experian is 999, has anyone else ever had this for no apparent reason? How long shall I leave it before applying again?
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ML Money Show
Credit score special tonight. I really hope he’s not going to undo all the good work by over egging their significance.
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Job title/salary etc on credit applications
Read recently that using a different job title or slight variations in salary (i.e 40k instead of 44k) can cause a rejection. I just wondered if this information is available anywhere. For example I move jobs in April - how long before it can be considered "safe" to use a new salary and job title? Or does this become an…
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Clearing Debts - Settle in full or partial?
Hi, I am finally at the point of recovery after 10 years of paying things off after financial difficulties arising from the after effects of 2008 crash. This resulted in some later CCJ's and Charges, of which 2 CCJ's have been Satisfied and the others had a significant proportion paid under negotiated payment arrangements.…
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Loan to pay off credit cards, advice needed.
I made the mistake of getting credit cards and deals have ended. I was wondering whether or not getting a loan (same APR) would be of any benefit? At the moment I am using a high percentage of available credit which has a negative impact on my credit report so would getting load (same APR) to pay off credit cards be a good…
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EE and Lowell: Trying to remove a defaulted payment
Hi I am after some advice! My partner has a defaulted payment on his Experian credit report that we have been trying to remove since August. EE have sent us an email to confirm it was an error and have said they have instructed Lowell to remove it. However it is still on the credit report and we have been bounced between…
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How much can a credit score jump up?
So my question is if I have always paid everything on time, never defaulted, no credit searches in last year, have various settled accounts which an average age of 72 months I had 2 credit cards and an overdraft totalling nearly 19k until a week ago. I have came into some money from inheritance and paid it all off. I know…
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What is really affecting my credit score
After being rejected for credit just before Christmas I decided to check my credit report. It’s currently showing a score of 780 which is only rated as fair. However, the only factor that’s rated as Amber (the rest are green smiley faces) is Account stability. I have three accounts over five years old. I have opened four…
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Stealth CCJ registered against me...
Hi there everyone. I am hoping someone here can help me with a very worrying problem which has cropped up for me over the last week or so. I have been completely on top of my finances for many years now after a pretty poor show of things when I was younger. I have now had an 'Excellent' credit rating for quite a long time…
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Which free credit report uses which CRA
Who uses who? ClearScore Mse credit club Noddle ?
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Experian Credit Report Way Down
Hi everyone, I applied for a Amazon credit card at the start of January and have been paying it off each time I spend a big lump sum e.g. £150, i've always paid off the card and haven't waited for the direct debit to come out. I've just checked my experian report today and it's wacked me all the way down from 'good' to the…
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Default - is notice required?
Hello everybody, In preparation for applying for a mortgage, I checked both mine and my partners credit reports with Noddle and Experian. Mine is perfect, but he had a very recent default on his account from EE. He denies that EE have ever tried to contact him regarding this, and after making them aware, it took them four…
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Crediva - electoral roll
Hello I’ve just looked at checkmyfile and crediva is showing me as removed from the electoral role in June 2017 for my current address. All of the other three agencies are showing as on the register since I moved to my current property in 2013. I’ve phoned my local authority and they have confirmed that I am indeed on the…
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Fluctuating credit score?
After spending a lot of my late teens and early 20's being very irresponsible with money, I have taken steps to try to improve my poor credit score. One thing I've noticed is that my score seems to go up one month, then (frustratingly) down the next, with no obvious reason why. I've looked at the MSE page which explains…
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Callcredit - links to wrong person
Hi My brother has been trying to get a loan. We have found that Callcredit have basically linked all of my credit accounts with his (even though the accounts are listed with different DOB). We have disputed all of them but does anyone know how long it will take to sort out. I understand if you are disputing a default or…
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Default Loan & Debt Recovery Dispiute
I took out a payday loan with Satsuma Loan during the spring. With some financial difficulty, I missed a couple of payments and e-mailed them to set up an affordable repayment plan on 31st July 2017. It took a further five e-mails over the course of two months until before they actually responded (after constantly calling…
