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Family fraud advice
Hi everyone I’ve recently discovered my mother has opened a catalogue account in my name as her credit rating is too poor to do so and has racked up about £400 worth of debt with them. She has missed a number of payments resulting in them sending a final warning letter which is how I found out. I am saving for a house…
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Does increased credit affect my score?
I didn't ask for a credit limit increase on my credit card, but they have offered me an increase from £1500 to £2500. I never put more than a couple hundred £ on my credit card and I pay it off in full every month without fail, so I don't need the credit increase. But I wondered if having a higher limit would have a…
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Declined Credit (Mobile Phone) but don't understand why
Hiya :wave: Wasn't sure if this should go here, or in the mobiles bit. In December (2nd) I applied for a phone upgrade (I'm currently SIM only contract) through the same phone provider as I have now. I pay £16 a month and the new contract was £29 per month (Three). Unfortunately they declined me credit. I checked MSE's…
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Defaults and when they are removed?
Hi all, Just wanting advice on defaults, I've noticed one of my account from 2013 went in to default on 21/03/2013 and was reported each month as being defaulted up to 2015 when I settled it. Does this mean that all the defaults reported for each month will remain until they each hit the 6 year mark or will the whole thing…
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Equifax have no record of my accounts
Hi all, hoping one of you lovely lot can point me in the right direction! Ive just checked my credit report with Equifax for the first time, and they have no record of any of my current or previous credit agreements (mobile phone contract, credit card, overdraft etc). Experian on the other hand have all my credit info up…
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Help With Defaults on credit file
Hi guys I was hoping you could help me with something. I ran into alot of trouble with pay day loans a around 2013-14. I managed to get clean and have them all paid off in 2015 and have been building my credit file since. However I have noticed I have 10 defaults from Kapama limited which are dated through 2015-2016. The…
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Barclaycard to PRA Group
Hi All, I have had 2 credit cards with Barclaycard. I was struggling to pay them and agreed a reduced payment plan. Recently they shown these as a default on my credit file but backdated the default to when i first agreed the reduced payments. Meaning thedefault was only on my file a couple of months. They have now…
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direct debit guarantee
hi, a year and a half ago, i wanted to cancel my gym membership. i sent an email to the gym and they sent me an email confirming that my membership has been cancelled. however, it turns out that what they did instead is UPGRADE my membership and continue to take payments from me via direct debit for a year and a half after…
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lowell
Hi A few years back during a prolonged house sale and divorce my wife got behind on some accounts. Some were long time accounts dating back years, and wouldn't have been enforceable under CCA agreements. But we paid them all and most in full. Anyway some had gone to DCAa 's . We settled all in one day to the tune of…
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Credit Reports - Which is best?
I'm in the process of trying to sort out my finances and been asked for a copy of my credit report. Noddle was suggested and I got that but it was suggested I get others as companies report to other credit reference agencies. So what are my options? I Aware of Experian but only because of the press stories about data…
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Over my credit limit, how long until off my credit report???
Any advice would be much appreciated please. I’ve struggled financially while on my maternity leave and I have now gone back to work as we can’t manage any longer. I have twice exceeded my credit limit on my credit card, due to the added interest charges. I’ve never missed a payment. Clear score have just advised me that…
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Do we have any chance of getting a mortgage?
Wondering if anyone has been successful in getting a mortgage with arranged payments on their credit report? We have 10% deposit, can go up to 15% if needed but would rather use this to do up the house if able. They are 3 years old but know they will be well and truly stuck on my report for at least 6 years. I don’t have…
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Clear Score points down due to recently joining electoral role, but joined 14yrs ago!
I registered with Clear Score just over a year ago and ever since it has showed my credit score as 520. I have no debt and don't even have credit cards. But today (January 2018) I received an email saying my credit score had changed so I logged in to Clear Score and checked this. It shows my credit score as down by 9…
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Credit cards and mortgage application-ready credit file
Hi I am looking to get my credit file as good as it can be for a mortgage application, probably in April/May of this year. I currently have three credit cards: * Barclaycard - Used to balance transfer from previous M&S card. 0% until next month with no additional spending. £1500 outstanding with 4k-ish limit. * M&S -…
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Ccj advice
Hi , I’m in a situation where I have a ccj but I feel it’s undeserved for the following reasons ....about 4 years I did a lot of work for a lady , my only mistake was that I mixed business with pleasure and although my work was faultless the personal side of things hit a low. To cut a long story short when it came for me…
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CCJ Set Aside After 2 Years
Hi, I moved out my flat over two years ago. 3-4 months after I contacted my landlord to collect any post that had been sent since I had left. To my shock I found that I had been sent a court summons for the amount of £171 for a phone bill 8 years prior. Because I had not received the summons the hearing had happend and the…
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Will having a larger overdraft facility improve my credit score?
I want to improve my credit score after a period of bad debt. My score is gradually improving but I'm looking for ways to improve this faster. I have no credit cards and have been paying all my bills regularly. My bank has advised that I am likely to be accepted for a large overdraft facility which I'm reluctant to apply…
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Remortgaing - credit advice
Hi I want to remortgage and have been checking my credit reports in advance. Experian and Equifax have me as having excellent credit ratings but note that I am not on the electoral register. I am urgently looking into that and have emailed my local authority to sort it out. But callcredit say they cannot verify me at all -…
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Credit files....now I’m confused
I’ve subscribed to Experian for both myself and my partner as we are trying to improve our credit ratings and I thought it would be interesting to see what they say. Also get the free reports from Noddle, which are really low compared to the Experian ones..... My question really is, is there any point in subscribing, as…
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Default to CCJ then 9 years later another default
Evening, Back in 2008 I defaulted on the debt which I subsequently received a CCJ for in early 2009 I entered into an agreement with the creditor via the court to repay the debt which I have done and never missed a payment. The CCJ dropped off my file in 2015 and no other record off the debt was held on my credit file…
