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Credit Card Application declined with perfect repayment history
Hi, I'm hoping that any of my fellow forum users can help me with a deeply frustrating situation I'm having with a recent credit card application. I applied for a platinum Barclaycard and as I have never been refused credit, I was confident that I would succeed. However, not only was I declined but their credit agency of…
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How long to rebuild credit rating?
I'm in a situation where due to either me or my partner taking time off to study over that last few years that I have built up a fair few number of defaults and a ccj. Fortunately I'm now in a position to see a massive raise in salary. Looking at something in the region of 30k on top of what I currently earn. This means I…
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Credit score??
Hi everyone, brand new here! Sorry if I'm in the wrong thread. I just checked my credit score on Experian and my score has dropped from 890 to 788 this month. I'm so confused, the only thing that has actually happened differently this month is I paid off my (only) credit card in full! I haven't missed any payments etc…
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Credit balance too high
I recently took out a £25k loan to cover costs of starting up a business as well as providing a cash buffer for said business, but have now seen it appear on my credit file as a balance of £27,749 - does anybody know why this is and if the difference is likely to have much effect on my rating (which has obviously taken a…
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How to remove marks on my credit rating
Was just after some advise on some marks I have on my credit rating. I recently went through a divorce in which I had to go through the courts for a financial settlement. An order was made that the family home that’s mortgaged in my sole name is to be paid by both parties in which it states how much we both had to pay. I…
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Help with old default on file
Hi All, Im currently trying to fix my credit file with a view to getting a mortgage this late this year. I have been paying off as much as my old debt as I can, just finished off paying off £500 debt, another one has £300 left to pay which I should be able to clear in full next month. This leaves me with £956 default from…
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Building a Credit History from Scratch
Hi Guys, My wife is currently on a two and half year UK visa. She is allowed to work and has a full time job but is not allowed to be registered on the Electoral Roll. We would like to start to build a credit history for her where there is currently none. I've contacted all 3 main credit agencies but none have any details…
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Bad Debts, need help
Hi All, I have been ignoring things my whole life on the basis that eventually they will dissapear. In 2014 i got in a lot of debt, and struggled to pay things off since, some i have just ignored. I got loads of stupid things on brighthouse, which are now paid off. I got loads of loans, and didnt pay them. I was in a mess…
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Help re: missed payment
I was the proud owner of a 999 credit score until I was hit by a late payment! It was on a credit card that was sitting in my drawer not used for months and my home insurance auto renewed on it. I had already taken out a new policy with another insurer so I did not need this policy and my precocious insurer refunded me the…
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Help re default
I’m looking for guidance. I’ve recently checked my credit file and I’ve seen that I have a default from a company called Think Finance that was registered in 2012. Earlier in the decade I took out payday loans with companies to help my brother out - he let me down on payments and I ended up setting up a plan with…
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Disappearing credit accounts
Can anyone suggest why all my credit accounts have disappeared from my Experian credit report? I asked for a copy of my statutory credit report in March 2017 and December 2017. My credit accounts appear on the March report but have all disappeared from the December report. Same address, details, etc. - Companies include…
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Obtaining credit through limited company with poor personal credit
Hi, I have a limited company in which I am the director and only employee. I have poor personal credit although I have been gradually building this again over the past couple of years and wanted to know if I would be able to get a lease car through my limited company? The company is fairly new and is turning over around 3k…
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Noodle
Does anyone know anything about noodle. Why do they report differently to the other credit agencies?
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Question about satisfied vs partially satisfied defaults
I have 7 defaults lodged against my credit file between November 2016 and January 2017. The result of a relationship and burying my head in the sand. Fast forward to today and I've been paying down against these debts for the past couple of months. The debt total just over £5200 and both DCAs, Lowell and Cabot, have…
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Does switching bank account affect credit rating?
Hi At 24 my niece is thinking about future borrowings such as a mortgage. If she switches bank account (one she has held for many years) will this affect her credit rating? Thanks.
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Paying minimum payments to debt collection company
Looking for some advice, I had a Vodafone bill from when I was 19 that has been passed onto lovell finance (collection company). This is the only thing I've defaulted on and I'm looking to improve my credit score. I'm only paying them 5 pounds a month and the balance is 700 odd pounds. I'm worried this will turn into a…
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MSE Credit Club eligibility query
Hello, Have a query relating to the MSE Credit Club. For some reason my eligibility for a credit card is only showing as 'fair' but my rating for a loan is 'excellent' the overall score is 741. I'm looking to apply for a mortgage later this year, can anyone offer any guidance as to whether the CC rating or the loan is more…
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credit blacklists and GDPR
Now that ordinary people are able to control their own data, and have the right to be forgotten - they can force the blacklists to delete it - will blacklists who ignore the law be open to the next ppi style claims bonanza? "For example today, financial institutions share data with Credit Reference agencies and this is…
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Paid all of my debts and my credit rating dropped 100 points..why???
Hi all, I have spend the last 4 years paying all of my debts off (credit cards/overdraft/store cards), around £12,000. I made the final payments on 2 accounts last month and the accounts were closed, my credit score dropped 100 points in 2 months. It wasn't the best to start with, it was in the low good range before and…
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AR/AP Removal Method
Hello all Haven’t posted on here much before but I wanted to share some good news regarding my efforts to remove AR credit marks from my credit report as I’m sure many people coming here may be frantically looking for ways to remove these disastrous marks. I had 2 account with several years worth of AR markers on my report…
