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Credit file update
Hello I haven't had any credit for about 11 years as i got into debt back then and avoided getting credit again as I don't want to be in debt again but I decided to build my credit score up as I am getting older so I opened up a argos store card up about 3 weeks ago and bought a £200 dryer on it and when I got paid 2 weeks…
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How do I improve my score
Hi I have debt of about 9,000 which I pay back each month. But I have a very weak credit score. I would really like to improve my score. How do I achieved this?
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Default logged in error
Hi there, I applied to Lloyds for a loan to replay my overdraft to avoid the new daily interest charges and for extra to help with wedding costs back in December 2017 but it was declined - I was told by the credit approval people to check my credit file as I had a default registered with a telecommunications provider.…
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Credit balance on credit file different to lender
Hi I’m looking some advice. I have a finance agreement in place with Advantage Car Finance which was took out 3 years ago. I have 2 months remaining left to pay on this agreement. When I checked my credit file it shows my balance as £532 however Advantage says my balance is £780. They say there are charges that were…
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Credit Score & Mortgage
Hi All, Unsure of the best place to post this (credit file and ratings or mortgage section) however ive gone with here. My score is currently 801 on Experian (low end of fair). I had two small credit cards which i defaulted on both of them, i paid off both defaults (experian is down at the moment but i believe it was…
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Equifax twins details on file
Hi everyone, Ive been going over my credit files as im going for a mortgage. We applied through a broker and have got an AIP with LBS. However they have said there was some undisclosed credit on file. The broker and I have scrutinised the files and can't find this. When looking at my searches my twin brothers searches are…
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Experian can't verify identity
Hi. I'm trying to get a 95% mortgage for a property I love, but have so far been struggling. My first mortgage advisor (supposedly independent but his office was within the selling agency's office, and his company logo was the same font and colouring as the selling agents???) told me that because I had missed payments…
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Default Dates
Hi newbie here.. could really do with some advice... So in July 2011 I embarked on a DMP with a company called Harrington Brooks. My creditors accepted this plan and the reduced payments. In July 2012 I came into some money and paid off a huge chunk of the plan, via full and partial settlements. I had 2 creditors remaining…
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ClearScore knows my mortgage!
Whilst playing with ClearScore mortgage offers. Where does clears score get my existing mortgage info from? E.g. Provider-current payments-valuation. Not sure I like this auto 'Habit' provider re direction.
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Should I change my credit limit?
Hi there I am trying to improve my credit use with my credit card - which I have hardly used in the last 2 years. I have a credit card with my current account and the cc has a limit of £3000. I don't have any other debts or accounts/cards. Is £3000 the right amount do you think? Should I get it increased/decreased? I am…
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50% salary return to Full Time
Hi msers' Hope I'm not getting ahead of myself. I noticed a slight change in eligibility checkers since moving to part time hours past year approx -understable as in effect almost 50% of what was my full time salary. Thinking ahead of the possibility of returning to full time in a few weeks. Is it possible eligibility will…
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Best place for £17k to earn interest for me?
A bit of background, I'm looking to buy a house this year so being accepted for the best mortgage I can get, is in my best interests, though this isn't going to happen realistically for another 3-6 months. I currently have two TSB accounts both with £2k in each (which I cycle money between them for about £3/month perks)…
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Credit Scroe NEVER Changes...
Hey, At the end of 2016 I cleared all my debts and and everything was complete as of early 2017, it’s now 2018 and my credit score is the EXACT SAME as it has been since some time in mid 2014... does this thing ever improve or does one slip-up mean a lifetime stuck with a poor credit score?
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Default
Possibly a question that's obvious and been asked many times before here but, If you have a default, if you don't intend to apply for any credit at all for the foreseeable, is there really any point in satisfying that default? Rather than wait 6 year period and allow it to drop off.
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Which payments are improving my credit rating?
Hi there, sorry if this is a silly post but I am new to this particular forum. i am wanting to improve my credit rating (no serious issues but I am worried that I may have 'no credit rating' as I don't use credit cards etc.). I have got a credit card and will use that to improve my score but just wondering about if any of…
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Refused Bank Account
Hi, I have recently been a second signatory on a business account application that has been rejected due to the main applicants credit rating. Will this have an impact on my own credit rating?? It was basically an account for a children's football team. I stupidly agreed to be a co signature and honestly didn't think about…
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Council tax/electoral role/out of the country
I'm registered as living at my nans where I used to rent a room. I've been out of the country since June 2017 and wont be returning for a while. My bank accounts and CC's are registered there. My nan is living alone and I believe she should be claiming single person discount, but im unsure of the legalities of that while…
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GDRP and credit files
under the new GDRP law everybody will have the right to SAR (subject Access Requests) about their personal data and companies cannot charge a fee for them. Would that work for all the credit agencies like Experian and Equifax that either charge a fee for a report or a subscription?
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Credit rating plummets
Hi All I wonder if anyone can help me. My credit rating went from 997 to 571 in a day - why? Last year, following reading this site I took a Creation Credit Card with £4K limit. I wanted it for using on holiday abroad. I used it in June in France and when I got home paid the balance in full. It worked brilliantly. I…
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Littlewoods - account closure
Hi all, Was hoping someone could share their thoughts on this. I recently checked my credit report and was shocked to see how high my littlewoods credit limit was. Its an account i no longer use and no longer require - i wanted the account, along with the high credit limit taken off my credit file. I phoned littlewoods…
