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Credit
Will taking out credit build your credit rating over 5yrs of being good with payments ontime etc
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Stuck don't no what to do .....
Hello urgently need some advice. I have 12 yr old car but. I really want to change it now i brought it for cash in 2014 proberly was a bad idea thinking back now. Well i have applied for car finance my credit rating is not great the apr is higher than norm.and i have been quoted 35% on a 7000 car which means over 5yrs i…
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Car finance
I am thinking of going for car finance I am limited for options due to historic defaults. One of the options was Money barn. My question is in a couple of years I would like to apply for a mortgage and will having a car finance with Money barn on my credit file cause me problems? How is it shown on your credit file? Thanks
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Cashplus Credit Builder Question
Hi all, I am already building a credit profile through my sub-prime cards, catalog with Shop Direct and unsecured loan. I want to add Cashplus Pre-Paid card with Credit Builder to boost my rating. They claim it can only benefit you, but I was wondering... If lenders check your credit report and see Cashplus on there, won't…
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Is it worth settling a default account, when it expires in 6 months?
Hello, after a misspent youth I finally have the means to clear my bad credit after recently selling a London property and downsizing to kent with the misses getting a mortgage on her own (lucky to have a misses with good credit!) I would like to be in a position to borrow to help finish the renovations required later this…
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'Account Settled' - is that the same thing as Default Date?
Hi everyone, I am trying to figure out the default date of an old Tesco credit card which has now been taken over by Cabot Financial Services. I had a few cards which defaulted in 2013 due to me losing my job/marriage break up etc and never made any payments and they are all showing the correct default dates of around…
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Southern Water CCJ was paid and now they're chasing me again.
Hi all I'm looking for some credit file advice, and some advice in general if anyone can offer any. I'll try and keep this as brief as possible! Back in 2006 my mother was struggling to make ends meet, the long and short of it being she got in to debt and started defaulting accounts. One account was with Southern Water and…
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My details arnt up to date on my credit file
Was just wondering if anyone had any advice about what I can do about my credit file. Basically my last address is showing as 2 addresses ago, I do everything they say I should, I'm on the electoral register and have been at all places, I pay council tax, I change all my bank accounts, I've closed old accounts. I update…
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What's the Credit Cart Company with a credit card Superhero in its Ads.
I've been trying to find the company name. Well, superheroines is showed in the video below. But I'm stuck finding the ads on youtube. Can u guys help me find the credit card company I'm describing here. Youtube video is "A Better Superheroine AMV-Mmh Mmh Yeah Yeah".
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Identity theft...defaults
My boyfriend recently received letters in from a company called Lowells stating he'd defaulted on a number of accounts that he had no clue about. Did a bit of investigating and discovered his mum (whom we do not speak to) had opened up several catalogue accounts in his name, spent thousands of pounds on them and then…
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Unrecognised default on credit file - Lowell
Hallo, I'm after some advice hopefully. Sorry in advance - this is a bit long ! I check my experian report regularly via MSE Credit Club and it's all in good shape. My husband and I have made an offer on a house and are hoping to get a mortgage. We got our AiP through Trussle which I understand doesn't do credit checks, so…
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default after 6 years
Date of default 20/01/2012 it's coming up to the 6 year period for the default to be wiped on my credit file. the issue is, i've not paid it off yet as i've only just started paying off all my debts after all this time i'll be honest. I won't have the money to pay this until after 20th, what i want to know is will the…
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Effect of unauthorised use of address
Hi all - we have just found ourselves in an odd situation and are wondering if it will affect our credit scores and what we should do about it. My wife's brother got divorced last year - his ex-wife has been living in South Africa for 3 years and at the point she left she stopped paying a lot of accounts (mobile phone…
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First time buyer and credit score
Hi, was wondering if anyone could help me please. Me and my partner have been saving for a deposit for our first house, I am hoping to start looking around November time. However, I checked my credit score last night and my score is fair 836. I've never had any credit cards, gone into my overdraft or missed a payment on…
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2 Bank Accounts - Credit Report
Hi all, Might be a silly question here, but I was wondering if having more than 1 bank account could reflect negatively on a Credit Report? The reason that I ask, is I am currently trying to take greater control of my finances, as I aim to repay all of my existing debts and eventually rebuild/repair my Credit Rating. I…
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Debt Consolidation - home Equity & poor credit rating
We bought a house 2 years ago for £105k - we only owe £88k And know it is worth at least £126k as we unfortunatly Got ourselves into debt as it needed total renovation. We don’t really have much debt, one loan - Very account, And an old loan for £1000. We have no CCJ’s - a default which was settled immediately But due to…
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Will a new phone contract really affect my credit score?
Hi everyone I'm very new to this forum so please forgive me if I'm reopening a discussion that might have happened elsewhere. My husband and I are looking to buy our first home around November/December this year, when the building is likely to be completed. We both have excellent credit scores at the moment (964 for me and…
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Barclaycard eligibility and credit score
Hi, I'm not eligible for the Barclaycard and the only reason I can think of is because I have quite a lot of debt on % interest credit cards - i've used this method for many months and it's saved me a lot of money, but now I find that I am no longer eligible for new cards to keep transferring the debt - so is this method…
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Rejected IVA and Mortgage
Hi all I wonder if you have any helpful advice. My partner tried to enter an IVA back in Nov 2015 however his major creditor rejected the IVA and so it didn't go ahead. My partner then decided to move back to his parents and since has cleared his debts. Around 6 months ago he checked his credit file with Experian and noted…
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CIFAS and Me...
Hi Guys, New to forum - I usually view stuff on here and it's great but time to join and ask a question! Back in Dec 2015, I was victim of a SIM Swap fraud, where a few thousand pounds was taken from my account. This was all resolved (although EE were a pain about cancelling the contract). However there were some…
