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Scottish Court Decree - what should it be marked?
Hi folks, Just looking for some advice, I've googled it but still not totally sure on the answer. I had a Court Decree from Shoosmiths. Had been making the agreed repayments when they contacted me offering to settle it with 55% off the outstanding discounted. Luckilly at that time I had enough money that I could pay the…
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Equifax Website
I have not been able to login to the Equifax Protect website this afternoon. Equifax say that there is no problem with their website. Has anyone else experienced any issues with logging in today?
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Help to navigate credit history
Hi all Back in early 2012 I had a period of unemployment for a few months that eventually led to me entering into a debt management plan. This resulted in half a dozen defaults being registered against me although payments in to the DMP were made on time & in full every month. I was eventually fully debt free in December…
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Problems with my credit file
Hey everyone.. I am experiencing a bit of trouble with my credit report... I am looking to take out a mortgage however there are some defaults on my score in which I need to be out of arrears for 3 months... now, this is no problem, I can do this, however... 2 of these that are stating I have defaulted, I have contacted…
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BMW Finance Decline
Ok so I've had bmw finance on various car's for about 10-15 years now got a knock back on application for a Yas Marina Competiion Pack M3, checked the equifax and stuff. Currently sitting at 760 out of 999, only negative factors from the martin money saver credit plus club thing says credit utilisation is pants cos I only…
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BOS 'soft' credit check - really?
This statement from Bank of Scotland in connection with their offer of house insurance: "Depending on the payment method you select, we may need to carry out a soft credit check on you and your address, which will be visible to other lenders but will not affect your credit rating. " Two things here: what's all this about…
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Statute Barred - Incorrect Data
Good Morning All, Apologies if this is considered a repost, but the question I have now seems unrelated to the original thread that I started. Long story short, I received a letter (and note on my credit file) out of the blue. As the default is noted as being 6yr+ old - i sent a statute barred letter. The response that i…
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Credit Check if lived abroad but kept UK cards?
Hi there everyone, I'm hoping to get some advice as I can't find the info I need online - thanks in advance :) I lived abroad from Oct 2015 till June 2017 but kept my UK cards / bank accounts going, and had all my post sent to my Mum's address. My fiance did the same with his bank account and has his post sent to his…
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Credit check
Hi all i have work for a company for ten year and now they want a Credit check all they workers and if I do not agreed my job maybe on the line can they do this
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Opening new ISA- credit score
Hi, I have a query about any possible effect of opening a new ISA , on the credit score. I read on another thread on this forum that , applying for a new account can create a " hard search" on your credit file. I have an existing ISA with Nationwide , but want to " transfer" to another ISA for the coming year. Despite what…
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Does paying a loan off early hurt credit rating?
Does paying off loans early as in paying off a 6 month loan after 3 months harm your credit file/score? I’d presume not as it’s showing eagerness to pay and hopefully good money management, but on the other hand - financial institutions won’t make as much out of you, as I’ve saved way over one hundred pounds in interest by…
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Miss-traced by Debt Collectors/Their agents
Hi I have been traced and in turn contacted by SMS and letter by Robinson Way and their tracing agents reference to 3 accounts totalling over £2000 for debts I do not owe. They have my address and name, however when confirming my date of birth the agent placed the call on hold and returned 5 minutes later asking me if I…
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CCJ Set Aside
Hi, Looking for some advice on setting aside a CCJ. Basically a few years back I got myself into some debt with payday loans. Stupidly I kept this from my wife as I was embarrassed. To keep this from her I was hiding the post so she didn’t see any letters from the company and in the process of this I missed a letter from a…
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Should I be "utilising" my credit more ??
I've been checking my credit files with all 3 companies. I have a relatively low/poor score, I assume because of a (satisfied) CCJ which dropped off my file last month (Feb) and understand this will start and have an impact over the next few months. I only have two credit accounts on my file as below Barclayloan opened…
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Noddle Bands
Hi all, I know the credit scores are useless and all, this is just out of curiosity. Does anyone know the bands for the call credit/noddle scores (the ones out of 710)? Thanks! :j
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Any difference in Credit Score for min payment?
Help - very 'Credt Naive" and need some opinions from the MSE Forum Gurus! We took out a 2Y 0% Barclays Credit Card in preparation for a planned, short-term shortfall in about 6 months' time. Our aim is to use it to build a credit rating (we only have a mortgage so far), and maximise/extend the credit limit on said card as…
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Repayment strategy for 0% cards
I have a few credit cards with the following limits Cap One: No balance / £4k limit / card I've had for years Nuba: £8,700 fully used 0% deal till June 2019 MBNA: £9,300 fully used 0% deal till July 2019 M&S: £2,000 fully used 0% deal till April 2019 The above 3 cards I've had for less than 2 years. So that's total £20k 0%…
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Credit check on remortgage
I have recently moved in with my partner. It is her house and her mortgage and it will stay that way. The current cheap rate mortgage ends in September and she intends to remortgage to avoid the interest rate hike as far as possible. My question is, given that I have no interest in the property and do not want any…
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Cancel card or not?
Simple question, I have an MBNA credit account that I have not used for some time, what's best to do cancel the account or just leave it unused, will my rating be affected?
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fraudulent fronting car insurance -
Not sure which category this comes under, as it cover credit scoring & insurance fraud. Please help. Daughters boyfriend (hopefully soon to be 'ex') fronted his car insurance in her name to lower his premium. She didn't even know she was a named driver on the policy. He missed enough payments to have the policy cancelled.…
