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Vodafone Issue
This is a message for Lee from Vodafone. I have submitted your form today, reference 18503386. Please can you confirm that is has been received. Thanks!
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Should I replace "Poor Credit" cards?
Firstly THANK YOU one and all for the advice gleaned from these pages over the many years i've been lurking and learning from you all!! A few years back i had a very poor credit rating, following advice on here, i've used a couple of "Poor Credit" credit cards (paid IN FULL!) to help build it back up again. Now after all…
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Will another phone contract hurt my rating?
Hi, I recently watched Martin Lewis talk about a lady who couldn’t get a mortgage because she had an old phone contract registered at an old address. It got me thinking that I have 2 phone contracts coming out of my account on EE( mine and my younger sister) due to parents having bad credit and not being able to have it in…
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CCJ - MIL Collections Ltd
Hi guys, appreciate any advice on this. I was helping a work colleague before Christmas who was contacted by MIL Collections Ltd chasing a debt she's completely unaware of. Short story: they ignored her proof of debt request twice and filed a CCJ through MCOL at her old address, despite having her current home address,…
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what can lenders see on your credit file?
Can anyone clarify exactly what lenders can see on your credit file - totally confused. For example can they see who your creditors are? Can they see if you have withdrawn cash on a credit card? etc. etc. How far back can they see - looking for a solid answer as everything I'm reading says different things. thanks
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incorrect data
Hi, I have just opened my latest clearscore report having not checked it for a while as I'm looking to get a mortgage in the next few months. There are 2 catalogue accounts showing on there opened in November last year at an address of somebody I know but I have never lived there. I have now paid for the £2 statutory…
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how to stop fake entries on Credit Record
So, having been turned down for a loan for the first time in my entire life, and although knowing my credit record has been at 999 points for many years, I just couldn't see why. So used Experians free offer to check my record - to my horror TalkMobile had trashed it, although I've not had a contract with them for well…
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partial settlements/ credit file
I have asked my creditors for settlement figures as I am in a position to clear my debts ..1 of all my credits has advised me that a agreed settlement payment will show on my credit file as a partial payment .Could someone please advise what this means and will it restrict my efforts to rebuild my credit rating ...
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Multiple Credit Cards for Credit Repair
Hi All. I am undergoing a period of credit repair. I have a Capital One credit card which I am now managing and reducing to a near zero balance. I have managed it and retained it through the difficulties... Just! I pay the minimum by DD and I also have a Standing Order for £100 going in to it. It had a £2000 limit and a…
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Car Finance Issue
Hi There I wonder if somebody could give me some advise. We went to look at entering into a PCP deal for a vehicle. My wife made the application and was declined, the sales guy immediately asked me if I would like to make the application and I to was declined. We have no real debt to speak of, a couple of catalogue…
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Credit building after bankruptcy.
Hi Myself and my wife want to build up our credit repayment history and I have recently taken out a capital one credit card that I repay in full every month. We are now considering a small loan of say 1 or 2k for my wife’s credit repayment history. We are looking at Amigo loans and we are wondering if this would be a bad…
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TalkTalk Hard Search
Hi All, recently placed an order for a fibre broadband deal with talktalk, went through the normal hard credit search and all fine. Long story short they say they cannot provide the fibre in my area (even though the cabinet and exchange are FTTP enabled but hey ho) so ive cancelled my order. However there is still a hard…
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I behave well but my credit scores are poor
Experian (credit club) credit score 654 (poor) Cleascore score 302 Noddle score 2/5 I feel as though I know a fair bit about credit files etc. After all, in just over a decade I have gone from being chased for debt, to owning my own home. I achieved this by learning a lot about credit, and being really well behaved. 6/8…
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Moving forward default free
I'm hoping to be default free in the next 12 months, my question is without any outstanding debts how quick can I build a credit score of 525 to a low risk mortgage applicant. And what steps can I take. Thanks
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Defaults approaching 6 years
Looking for abit of advise in what the best route to take is, i have 3 defaults on my credit file from June 2013 totalling £3000 from utility bills from a previous address. I have not paid anything or cannot remember the last letter I received. I have secured a good permenat job where I can realistically purchase a house…
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CREDIT APPLICATIONS - Not registered at address but on the Electoral Roll?
After being told I had a 'very good credit score' for someone of my age and student status at my bank recently, I thought it was time (after much hesitation) that I allow myself to apply for credit. I visited a mobile phone store to obtain a device on 'contract' and in the application for credit was horrified to see that I…
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Partial settled and charge order
Hello 1 and all Please would some one be able to help me Ive been on a dmp since 2010 and have come to the end of it cause i phoned the creditors (nationwide and egg) to ask for an settlement amount to which i agreed and had letters stating that they are going to be put as an partial settled and account closed will this be…
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Help understanding credit file
Hi my husband and I checked our credit file rating on mycreditfile the ratings are 855 and 868 (very good) but on Experian mine is fair hubbys is good - we are close to limits on our credit cards and are trying to remortgage to consolidated debt as we are only really to afford minimum payments and it will take us years to…
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Why is my credit score so bad, yet doing nothing wrong?
Hi all, cannot understand what's going on, so hoping someone can point me in the right direction and answer why my score is the way it is? I have looked at all 3 of my reports in detail, Equifax, Experian and Callcredit and everything on my report shows as good. Everything shows as ''up to date'' and there is nothing in…
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Larger than normal purchase on 0% spending credit card to build credit score?
I had a search and couldn’t seem to find a definitive answer to this on MSE (sorry if I have missed an existing thread) I’m a recent graduate with an average disposable income/credit rating. I have never owned a credit card and have been saving for several months towards a trip to America for which I have the full amount…
