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Overdraft - good or bad?
Hello All, I am trying to improve my credit file after some financial trouble in the past. All adverse information (defaults) has fallen off my file and I learned my lessons from the experience. For the last 6 years, I have had one credit card with a £1300 limit. This is used and paid off in full every month without fail.…
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Surprise CCJ
Hi everyone I recently applied for a new current account which was denied due to a CCJ. I did go to court last year to defend myself against residential private property parking tickets (which I lost) but I did pay the fines and court fee's straight away. Is it possible to get the CCJ cleared and how would one do so?
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Settling a loan before applying for PCP
Hi guys. I am considering taking a new motorcycle on PCP but I have a balance of a current VPL motorcycle loan to settle beforehand. I am just wondering how long I should wait before applying for PCP after settling the loan? I don't want to risk being refused the PCP due to the other loan still showing as being active. My…
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Credit score improvement...
Looking at ways to improve my credit score and cut monthly outgoings as quickly as possibly and willing to try anything. I was look at getting rid of my phone contract and going sim only as it would save potentially £40-£50 PM. I’ll also be paying for my van insurance out right because this can save money over the year. 1.…
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Rebuilding credit score/history post BR
Hi, My husband and I were recently declined a mortgage due to our previous bankruptcy and (assumingly) the fact that we have little/no positive credit history since discharge nearly 4 years ago. We both have now got a credit card which we will pay off in full each month. I have also started to pay for car insurance monthly…
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My credit score keeps going down.
Hello Everyone, I am fighting my way out of debt. I was with Step change (great charity) and paid my creditors within three years. Since then I opened an online account with Jacamo (Everything is fine, I am paying big payments and have my last payment next month with should clear the account!). For the last six months I…
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Bankruptcy of 6 years ending
Hi my bankruptcy ends on the 9/7/18. That will of been the complete 6 years done. Will the order literally drop off or do I ring them? Also will it be off on the 10/7/18 or in August ?? Thanks
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‘Normal’ bank account upgraded
Hi all. I’m a discharged bankrupt of almost 6 years (9/7/18) and I have the standard Cash account which I’ve still got from when I initially went bankrupt. My question is, LLOYDS have wrote to me and told me my account is being upgraded to a Classic account on June 28th! Obvs this is great news but will it help my credit…
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Bank refusing to remove default.
Hi There, In 2015, I had an account with Yorkshire Bank for £7.50 a month. However, I was very ill at the time so the fees mounted up to £57.50. At the end they agreed to close the account, and waiver the balance as a 'good will gesture'. However, since 2016, they've been recording a late payment marker of 6 on my credit…
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British Gas cancelled my direct Debit - their fault - now added new Derogatory status to credit
Have just posted this in Energy section of Forum. As it could have technically gone in both, am just posting here as a link (cant post actual link as a new user :( : British Gas cancelled my direct Debit - their fault - now added new Derogatory status to credit ________________________________________ Around December,…
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Have you used Loqbox?
Hi Myself and my wife are rebuilding our credit history (I know scores are made up by the way). We have taken out a credit builder card each and I have just signed up with Loqbox for £300 per month. I have seen plenty of good reviews and done as much research as possible but wanted to hear from people who have actually…
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Some else removed me from Electoral Roll
Hi I've just been doing a soft check for a mortgage but every time i search with different banks I get they where unable to match my details. Finally one bank said it was due to not matching the Electoral Roll. I've been in the same flat for years have always been on the roll before and have never taken myself off it. I've…
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Why has my credit rating shot up?
Not that I'm particularly complaining, but I get my credit rating via ClearScore and Experian once a month. I take no notice of Experian, because I'm 999 and have been for years and it never seems to change, however my ClearScore has been stuck at 470 for well over a year........... this month it's flown up from 470 to…
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Moved Address - Eligibility Dropped
Hi Folks, I have moved in to a new build address last month and my credit report has since updated and my credit cards/loan eligibility has substantially dropped and I am no longer pre-approved/high chance of approval for most cards. I also use Klarna when buying from ASOS from time to time and I wasn't able to do this…
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Advice Needed Please
Has anyone every asked a lender to remove a red mark from their report (late or missed payments) and been successful. My ex-husband had a current account which we added my name to so I could deal with any queries on the phone or on-line. We split up over 2 years ago and I asked the bank to remove my name from the joint…
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19 year old looking to boost score
I have just checked my credit score and its 300. I'm assuming thats fairly poor since I have never had a loan before. Im looking at buying a new car on lease with mother as a guarantor however she does not have enough credit score for the car I'm looking at (Range Rover sport). I see that people are saying credit cards are…
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Turned down for mortgage - what to do
Before trying for a mortgage with HSBC I got my credit rating from Experian and everything looked good (my credit rating was 99). However, I've now been turned down for the application and advised to contact the credit agency they used which was Core Credit. I've checked this, and as far as I can see this is just the…
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Unknown Credit File Searches
I have checked my files and find two searches that I do not recognise: Noddle has a search from Creditsafe UK limited entitled "Checking credit application" for a post code of a previous address but not an address that I opened any accounts around that time. MSE (Experian) has a generic check by Smart Credit Ltd at my…
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Applications getting refered.
Hi folks, For an extra privacy reason I am using a street address provider as an address for banking. Does it breach any terms? Maybe it have to be an actual residential address or what does residential even means? :) I have 0 CCJ 0 arrears 0 defaults 0 credit cards, 2 current bank accounts, self employed. I have applied…
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Pre Approved/Qualified
Can someone tell me what pre-approved or Pre-Qualified means? Is it as I suspect a marketing gimmick and you are not approved at all, i.e. you are before being approved? I keep getting mail for tenant that left over 2 years ago who has registered for accounts at my address a year AFTER they left, I reported that fraud, so…
