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Barclaycard Default
So, long story short - 7 years ago my wife and I entered a DMP. As we approached the end of it (9 months to go) I started checking our credit files with the expectation that the various defaults would be dropping off. Curiously, my wife has a default with Barclaycard listed as June 2015 - 4 years after she stopped paying…
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SIM only deals
Hi All I was reading a post earlier this morning, as an aside, someone responded with an additional bit of info which was if you are a PAYG mobile customer you are better off going SIM only as this will appear as a regular payment/show on your file. I've been with Tesco mobile for years, I pay £7 a month and thought I was…
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Credit reporting in the olden days
I've just been clearing out some documents from over 20 years ago and I came across a credit report from Experian. Alongside this was a brochure from Experian called "Helping you to understand your credit file" (circa 1996). It has a laughable 'happy family' photo on the front - as if credit reporting is the key to a…
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Pension gap
I have retired before I get my state pension and I'm taking drawdown from a private pension. I want to get a cash back credit card, but can't because I have no regular income. I have a perfect credit history and I'm financially secure. I don't understand why I would be refused, can anyone help ?
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David Lloyd Membership
Apologies if this is not in the correct location, I'm new here and wasn't sure where to put this. I have a problem which I would very much appreciate some advice with. I joined David Lloyd in Southampton on 31st August last year. I was working in Southampton but was planning to move to Exeter and had found a house which…
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Pay Day Loans and Credit Score Help
Hi just popping on here for a bit of advice. Not sure if this should be on this board as it more about credit rating or on the mortgage board sorry. Me and my husband are saving for a house at the moment. We both have a Lifetime ISA and will be looking to buy in July (due to the 25% bonus you get with a lifetime isa). We…
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Complaint to Experian
Been having a nightmare with getting our credit files updated after bankruptcy in 2013. We have got all the default and satisfaction dates correct but when the creditors updated the correct details last month, Experian added a balance out standing to the same month they updated it. This makes it seem like we have default…
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Need help with debt and mortgages
I have quite a lot of debt and I am struggling to repay due to being on maternity leave! I have a mortgage which is fixed for 2 years (started October 2017) my question is, if I chose to go through one of them debt companies that write off debt and make repayments to them I know this affects your credit file for 6 years…
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Do lenders see more upto date info on credit file?
As Noddle etc only updates once a month, Im just curious if lenders get to see more up to date information on the day they perform a credit check? I've cleared some debt a few weeks ago that's not yet showing on my various reports yet, and wondering if lenders will see it's paid off. I'm guessing there is the potential my…
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Default
Hello all, I’m looking for some help. I’m trying to get a mortgage. So today I looked up my credit file. I had an old CCJ from 2 years ago. After I looked up what’s on my file I have seen the same company that gave me the CCJ have now just added a default on my file from last month. I’m not sure sure what has happened they…
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Stuck Trying to Get a Credit Card/ Phone Contract
A friend of mine asked me to help her to improve her credit file, so that she will be have access to credit products. I have never ever had problems getting a credit card and never had a loan so I am turning here for help. I have friend's Experian credit report in front of me. It shows a bank account with a major bank of…
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Where do I stans
Hi all Looking some advice, I wrote to one of the agencies to say my default was statute barred and they wrote back to me. I'm not too sure what to do. It was an old Halifax acc I had. A relative deposited money into the closed/defaulted acc (£30) and they claim it was payment. The information they sent is below:- For an…
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How many credit report checks?
I've been wondering, should I check my credit report with more than one agency. Will doing so harm my credit rating at all?
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HELP: HoistP/Robinson way changed default date!
Hi all, Apologies if there is already a thread for my circumstances but nothing related highlighted my issues. Bit of background on the debt: In my naive youth, I took out a HSBC student overdraft in 2008 for the amount of £500. Not long after this, in 2008, I left University for health reasons and buried my head about all…
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Unknown account in default, and electoral roll
Hiya. So, I just conducted my first ever check of my credit file two find two things, one which scared me, the other, confused me... I guess. So, first. There is an outstanding default to a lender called Link Financial. After racking my brains, I'm assuming - the only thing it could be - is my old student account with the…
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Credit history
Giid afternoon, Is there a way to look at a complete credit history. Over the years I have had a number of loans, bought things on credit etc. I am keen to have a record of these. Many thanks Marc
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Ccj/ no job?
Hello, I am finding it very difficult getting a job due to have a previous ccj, it was settled over a year ago, but I seem to be getting the jobs initially, until they do a credit check, in which case i usually get the 'unfortunately due to' blah blah blah. (Ido let them know in advance- why they waste my time i do not…
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Missed a Credit card Payment Help
Hi there, I made a very stupid mistake this month. I normally my credit card in full when my statement arrives. however last month I had a couple of things going on in my life and I forgot to make the payment. I know i should have at least set up a direct debit to pay the minimum amount just in case. ( I have done this…
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totallymoney Vs noodle (for callcredit)
I've seen that both Totallymoney & Noodle show your Callcredit report. Just wanted to know which is better or easier to use.
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Help with Wife's credit file
Hi all, I need some advice for my wife please. Here is some history her credit history. She has only ever had one credit card and phone contact. She moved out of her parents address around 5 years ago but never updated any of her addresses and kept everything listed as her parents address, even though she has lived at 4…
