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M&S sold my credit card debt to Cabot
Please help... Today my credit report had three new messages: Under my old name and an old address 'opened Cabot finance' 'Default from Cabot finance' 'closed Cabot finance' Balance - £1058 Opened - 28/08/2012 I don't have any debts that I have not paid or am paying towards so I phoned Cabot finance immediately to find out…
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Nationwide which CRA?
Hi all The list that is in here is out of date. Does anyone know which CRA Nationwide use for a mortgage please? Thank you
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Is my wife a dependent?
Sorry if this is a stupid question! Using MSE CC and experian asks me how many financial dependents I have, does my better half count as a dependent (she has a part time job)?
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O/D, made agreed payments, Credit file hammered
Hi, I would really appreciate some guidance please? In 2008 I lost my job and it took four years to get a new job and get back on my feet. Had a joint current account with Barclays and we went over authorised overdraft limit to try and keep family fed etc. Barclays cancelled agreed o/d limit and agreed regular payments of…
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Likely impact of new sim-only mobile contract
Hi everyone In a bit of a dilemma here: My credit score took a hammering over the last two years as I took advantage of current account switching incentives and credit card balance transfers. It’s now just on the border of ‘average/good’. As I reign in my account applications. All other things are good (no defaults, etc) I…
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Lowell letter saying that they forgot to...
send me a notice of assignment. I started to pay Lowell for Debt A last year. I rang them last year saying that my circumstances had change and I could pay a little more off Debt A each month. They then mentioned a Debt B over the phone and said they may aswell use the extra money to bring that debt down. I agreed and have…
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Which credit card can build my credit rating?
Hello, This is my first post on the forum so apologies if I get anything wrong. I did try searching for a thread on this exact topic but I wasn't able to find one. If there is one, I'd appreciate anyone redirecting me towards it. I have never had a credit card, or taken out any sort of loan (aside from Student Finance).…
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How to improve my credit score?
Hi folks, Im looking for the best ways to improve my credit rating as im now looking to buy a house in one year. I currently have three defaults. Two of which fall off in two months. The third is there until 2020. I dont have a great credit rating at all. But im steadily improving my finances. I have three credit cards,…
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Ex-Husband Left me with all Bills to pay
**NB I'm writing on behalf of my current partner** Background: Ex-Husband worked full time , wife (now my partner) was a full time mum 3 children The Ex walked out on the family home in March 2015. All bills and including mortgage were in his name. Immediately he stopped paying and his wife had to pick up the bills even…
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ClearScore search
Hey everyone- I'm currently looking to buy my first home, Iv spoken to a mortgage adviser and submitted an application awaiting approval, I was supposed to hear back on Monday however they didn't get in touch, we are now suffering very bad snow in Glasgow so I doubt I'll hear anything for another few days yet. Today I have…
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C.A.R.S & credit rating
Hi, I have always had a very good credit rating and would very much like to keep it that way so I'm a little concerned that I have received an email from CARS regarding debt recovery. I was a member of DW Fitness but slipped a disc in my back (not related). I kept my membership for 6 months hoping to go back but couldn't…
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Personal data accessed by cyberattack at Equifax
My wife and I recently received letters from Equifax saying that our personal data has been accessed following a recent cyberattack against Equifax. The letter offers a number of free services to reduce our risk like Equifax Protect, Equifax WebDefend and Cifas Protective Registration. I assume the letters are genuine, but…
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Can't access my credit file - yet bank can
I got myself into messes with debts 18 years ago and again about 12 years ago, when I went through a periods of ill health. Since then I've paid pretty much everything off (except for student loans) but for a long time I was careful not to get into debt again. Unfortunately, over the last 2 years, I keep being turned down…
