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ClearScore to be taken over by Experian
Received this email earlier: Earlier today it was announced that the global business Experian intends to acquire ClearScore*. It's an exciting step for ClearScore, and there are three things I want to reassure you about - as one of our users; You will always be able to see your credit report and score for free, forever…
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Paying Off A Default?
Hi My nephew recently got into trouble with his money and I'm helping him out. He had a Barclays Bank account which ended up going into default with an outstanding balance of £961. Apart from this is file was pretty good. His score was 681 (poor). I paid off the debt and waited a few weeks for his file to be updated. Today…
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What can lenders see?
Can a lender see from your credit report if you are only making the minimum monthly payments on several credit cards? i.e. stoozing.
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Lack of credit history in later life
Let’s say you are in your late fifties, and for a variety of reasons I won’t go into, you have a fairly low income, but a substantial capital reserve..... live in job-related accommodation, enabling you to let the house you own, which is mortgage-free..... have a spouse who organises the finances and is first-named on all…
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Experian to buy Clearscore
Could this mean no more free credit reports from them? It's also strange that it's not Equifax, whom Clearscore poll their data from? https://clearscore.com/blog/clearscore-to-be-acquired-by-experian
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Bad credit rating, not my fault
Hi Guys I used to have a "Good/Excellent" credit rating on Experian (Fluctuated between both). Now I have had an issue when I moved utility supplier over a year ago. There was some sort of issue with the recording of meter serial numbers on the national database. Both utility companies have acknowledged the problem, and…
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Utility bills, debt collection, and credit score?
My partner and I moved into a new place a few months pack, switched our energy supplier and somehow forgot to find the previous supplier and pay the bills. This just occurred to us and we've discovered that the previous bills have been passed to a debt collection agency - under other people's names. If we call up and pay…
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where on my experian account can i find details of
hello trying to track down a loan from over six years ago - no paper work, cant remember who the lioan was with. on Martins news letter today he said you could try tracing such loans with credit files such as experian. So ive joined experian and cant see where prrvous loans are listed - thats if they go back that far. I am…
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Risk of ID fraud
Hi, I recently sent some information overseas in connection with a holiday that I paid a deposit for and subsequently cancelled. The information sent could be used to apply for credit in my name etc (bank account, date of birth, passport, address etc). No bank account usernames/passwords were provided. There has been no…
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EE account showing as settled
I have just found an account on my credit file which is marked as settled. It's an EE account, there was 1 late payment on it but it was quickly paid when I realised and was always paid on time otherwise. Is it correct that it shows as settled? I thought settled was to show I had partly paid or made a payment agreement to…
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Wrong Address (next doors!)
Hello everybody, I logged in to check my updated credit report today and noticed that my address for a contract phone account is wrong. It's a different flat number, in the block next to us. I spoke to Tesco who confirmed that their address for me is correct and they couldn't understand why it was showing as different on…
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Empty accounts
Hi All, I'm new here so apologise if this has been asked before! We are looking to get a mortgage on a house (first time buyer). At the mo, we are saving 1200 a month but the way we do that is that my partner pays me a chunk of his wage, which then goes into a savings account in my name. Every day to day expense and bills…
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Experian - Lost credit cards
Hi there, Wondering if anyone can help. I hadn't logged into my Experian credit report since before Christmas as I spent some money on my credit card and wanted to avoid looking at it online. I just logged in this morning to find that my 2 credit card reports are not showing up at all. Does anyone know why this is? I still…
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CCJ & My Credit Score
Hi all, I’m a 28 year old male and looking to improve my credit score / credit rating so I’ll be able to move out to my own place in a year or two. My credit score is 483 and my credit rating according to Noodle is 1/5. This is because I have had a large number of payday loans, unpaid phone bills, been overdrawn on a…
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NEW to this- fraud
Hello, Sorry I am new to this, I hope I don't get judged. Basically my husband and I were in a messy relationship- I was a poor student and him on a job with a poor wage. We had second hand disgusting furniture, we also had a child. One year I opened a store card in his name fully wanting to pay it back, however student…
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CCJ for £0.43!
I incurred a CCJ for £270.43 in January for a parking fine. I paid £270.00 to Gladstones solicitors (the claimant) within the 30 days period and thought that was the end of it? Then I chased Gladstones last month for confirmation the CCJ payment was made in full and the Registry Trust had been notified, thereby removing…
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Noddle score dropped for no reason
I know these scores mean nothing, but nevertheless I'm the type of a person who takes everything seriously :D Last report I had a score of 630 (out of 710), I have no big changes in my spending, no searches, everything is always paid in full with DD, and yet with my new report I've dropped to 588 without anything really…
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Business Loan - Personal Guarantee
Hi, I'm a business owner and I'm looking into a business loan through Funding Circle to expand our business. One of the stipulations of taking a business loan out with them is that each director has to give a personal guarantee, which involves a credit check. My question is, will this search leave a mark on my personal…
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Financial Link
Hi; Strange one this I think: My partner R; recently had a mortgage application turned down from the Halifax for a financial link to me; S - after getting credit reports etc etc is was down to a old joint account we opened and closed back in 2005. Both our credit ratings were really good back then; R's is wonderful - mine…
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Default an account not on credit file
I need the steady hand of a credit file ninja on this... Once a loan account falls off your credit file, can it be reinstated by the lender in order to register it as a default? I have a loan with Lloyds that's so old, the account fell off my credit file some time ago (I've checked ClearScore, Noddle and MSE Club - it's…
