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Pursuing Debts after 6 years.
Hi I have been on DMP with Stepchange over 6 years and the debts who all defaulted me are no longer on my credit file. these debts came about when I went for the credit card loophole asking for the original contracts back in 08 and caused me to get into a situation where i couldn't ever get any credit for all this time. I…
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MSE Credit Club - Dashboard not updated?
My Dashboard (including the Experian Credit Score) doesn't seem to have updated this month. At the top of the screen, it still says: Last updated: 18 Dec 2017 Next update due: 17 Jan 2018 The full Experian report has updated, but apparently not the dashboard. Is it broken or am I just too impatient?
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Unused mortgage applications damaging my credit file.
Hi everyone So the short story is for various reasons I have had 3 failed house purchases in six months so subsequently 3 cancelled mortgages. I understand that the mortgages would affect my credit rating but it has dropped by 25% and yes I applied for the credit but I havent actually used it. Is there anyway I can recover…
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MSE credit club - form broken
EDIT: It was Creation consumer Finance. The TV. I bought a TV from currys, buy now pay 6 months later - a no brainer, as I would rather that money sat in my account earning a bit of interest before i pay it back in full. didn't realise the name of the credit was Creation consumer finance. Puzzle solved. signing up for the…
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Credit check decline by EE - even I have no debt?
I have been recently declined by EE for a sim-only contract, checked my credit score on Clearscore afterwards and it is 398/700 which is "in good ground" as I don't have any loans or debt, and paid all my bills on time with DD, which really does confuses me... Based on my reading on the internet, I should not bother with…
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Hard Footprint credit searches mistakenly left on my profile
Today a received a letter from Dollar UK stating that they had mistakenly left hard footprint searches on my credit profile. For this inconvenience they have offered me £75. I would like to know if this is legitimate (I don't want to hand my bank details over to anyone without being sure) and if so is £75 the going rate.…
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ClearScore query
Hi, I have just looked at my clearscore updated scones and it is down a few points. I know it fluctuates, but I was wondering why it said “you are now on the electoral roll at your current address” I’ve lived here 15 years! Anyone any ideas?
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How late does a payment have to be?
Hi looking for some advice if poss. I have just checked my credit report to find a late payment against my Halifax Loan. The payment due date was the 15th Dec, and I made payment on the 3rd January. I thought that a late payment would only show up on your credit file if it was 30days late? The lady on the phone at Halifax…
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Should I apply for a credit card to rebuild my credit rating?
Last year I paid off my DMP :) and am now looking to improve my credit rating. I no longer have a credit card however I have heard that having one paid off IN FULL each month may improve my rating. Whilst I appreciate I will have the DMP on my file for 6 years, is it worth me applying for a credit card solely to improve my…
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CCJ Paid, waiting satisfaction update/parking eye
HI, would anyone have experience paying a fine from parking eye in particular, I paid a year old ccj about 3 weeks ago and was told they would automatically inform the court of the ccj being paid, how much of this can I believe or how long will it show as satisfied as it is still show as an active ccj?.
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Improve my credit rating
Hello, new here Im 33 male, im looking to buy a house in about 2 years. I have known my credit rating is poor for some time but obviously to buy a house i got to get it up to very good. I checked my report and it seems to be correct this is how it stands 1) I have 3 Three mobile contracts all with 0 balance and up to date,…
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Disputing default date
Back in January 2013 when I was self-employed I wrote to all my creditors and had to offer token payments as the business wasn't doing well. 3 of the 4 creditors recorded defaults in May 2013 but for some reason the last one didn't record a default until 2015. I have a copy of the letter I sent, plus an email from them in…
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PayPal Negative Balance
Hi guys, New to the forum and would really appreciate some help. I will try keep this as short possible. I came across an Instagram account which listed some health and beauty products that I was interested in purchasing to re-sell in the UK. The ‘seller’ referred me to their website (USA based); however, the payment…
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Regularly switch current accounts
I have five bank accounts to benefit from 5% interest rates. I regularly (about every switch months) switch one of the accounts to another account. I want to switch my TSB account to M&S Bank. My research tells me that opening new current accounts "constantly" (every six months or so) will not have an effect on my credit…
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Statute Barred Question
Hi I think that one of my debts could now be statute barred - I have not paid nor acknowledged said debt for 7 years. I have avoided checking my credit report during this time - just wondering if it would be ok to check now or would i be opening a can of worms - and if i do check what company would you suggest i use.…
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Ideal credit limit on credit cards?
Hi all, First post on here! I’m wondering if anybody has experience in credit ratings. I’m looking to apply for my first mortgage next year and so wanting to get my credit rating tip-top. I have 2 credit cards, one with a limit of £2000, £1450 spent on it (paying off £150 a month, 0% interest) and one with a limit of…
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Old defaults and a DMP
I've got three old defaults which are all settled and due to reach their 6 years this Spring. However, I have one DMP which is continuing (from around the same time) and which doesn't appear on my credit records at all. What's the best advice here in terms of what my options are and what might happen? Do I just continue to…
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All credit accounts from Three mysteriously disappeared?? (Inc default)
Has anyone ever experienced credit accounts disappearing mysteriously? Yesterday I checked my credit files and both hutchinson 3g accounts have gone, taking a settled account (no defaults or missed payments) and a defaulted account with it. I did change my name in December having married in Sept however everything has…
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Spam
just keep reporting these rubbish threads as spam and hopefully, between us, we can keep the boards clear
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JD Williams passed debt to Lowell even though I was on an arrangement to pay!
Not sure if this is common or not? I had an account with jd williams which I struggled to pay, I set up and arrangement with them for £40 a month which I’ve been paying every month for last 12 months, I called jd williams about looking to settle my account at the end of January and they told me they had just given the debt…
