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Arrears reporting of £8 balance to my credit file
Hi - hoping for some thoughts on any legalities about whether the purpose of reporting arrears to indicate financial difficulties, actually applies to a situation of an £8 balance being reported being in arrears for 5 months I balance transferred out from Lloyds credit card last year - 100% - there was an £8 interest added…
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Credit file update
Hi. I’m looking for a ome information as to when a credit record is updated. I had car finance but was involved in an accident. My insurance paid off my car and left me with 3k change. I’m looking to finance another vehicle. Would it be best to wait until my credit file is updated to reflect the amount paid off or does the…
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Lowell and Capquest help!!
Hi, hoping if I post here someone can help me! I’ve got 3 accounts with Lowell financial and 1 with capquest. They are old accounts from about 5 years ago when I got myself in a bad place with credit. They are all paid on time and are up to date. I’ve only got about £100 left on all of them, and I wish I could afford to…
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Trading a current account you've held for years for a switching bonus
I'm considering switching my main current account from Halifax to one of the other providers now that they're reducing their monthly reward to £2/month (originally £5 then £3/month). The concern I have is that my credit score if affected by "account stability" for which the MSE Credit Club says this: "The average length of…
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Should I change my approach?
wrong board sorry!
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Getting credit enhance credit
Hi hoping i posted this in the right forum. myself (poor ish credit score) and partner are looking to buy a house in the coming 12 months. She doesnt have any credit history (no credit cards, store cards or loans) all the bills are paid by me via direct debit (car insurance, life insurance, mobile phones etc) this is…
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Chances of getting credit?
Just stumbled across this forum today and thought it may be worthwhile to get some advice from those more in the know than myself. I was in a DMP from 2015 to last month (paid off early with the help of family). I am now debt free and it feels good! I can safely say I will never get myself in this position again - I've…
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Issues with Idem and Credit Score
Hi, during a six-year messy divorce, our account with Idem went terribly into arrears although I paid what I could afford each month my ex-husband paid nothing. Idem then started court proceedings and I was about to lose the house - my parents stepped in and helped me pay all the arrears on the account. Since the divorce…
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Mortgage in principal...what now?!
I’ll try and keep a long story short lol! Basically I’ve put an offer in on a property which has been accepted! When applying for a mortgage however there were things on my credit report I didn’t know existed but recall contacting police etc about possible identity theft 4/5 years ago! I’ve gone to a broker and received my…
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using credit card correctly
Hi. So ive recently just found out that ive been using my credit card wrong. ive been spending alot of the limit and just paying it off hoping that it would show me repaying large amounts and give me good credit score.......................yeah.. So looking about and ive read a few things but would like a more…
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Credit card app soon before loan - wise?
Hi there, I'm a home renter with one current account and no credit cards. The only loan i have is £150 left to pay on a iphone with a Barclays finance deal. I'm looking to get a loan for a big purchase of around £3000 within the next couple of months. This will either be a loan or finance arranged through the company I buy…
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Virgin account added to credit file
Hi all, Got my credit file update today only to see a Virgin hard credit search was preformed last month and a new telecoms account has been added...but i do not have anything virgin related. Clear score lists the new accounts last four numbers Called virgin mobile who said i do not have a account with them and the…
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Unexpected CCJ Help?
Hi everyone New to the forums, a friend had a similar experience to me with parking eye a couple of years back and said the advice and help they got on here was invaluable so here I am... I received a letter yesterday at my home address from Lowell Solicitors about outstanding CCJ arrears, this is the first I’ve heard of…
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Credit file correction after ID Fraud- what do I need to do?
Hi, I'm a little clueless here and hoping for some help. This weekend I found out that back in July last year someone used my name and an old address I haven't lived at for 5 years to take out 3 mobile phone contracts, which are now £3.5k in debt. I had no idea until I started getting calls from debt collectors. I ignored…
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Credit Score Companies
Hi, Does anyone out there know if I can prevent my bank and credit card company from sharing my financial data with 3rd parties e.g. Experian ? I was wondering if the new GDPR regulations has an effect on this flow of information. Thanks, Nick
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Help with poor credit score
Looking into buying buy to let property, agent needed my credit score, I have a defaulted credit card dating back to 2015. I have the money to pay off the card in full. I'd like to Know Is it worth paying it all in full? Will my cedit score change enough to get a mortgage? Thanks for any advice.
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How would a default appear? Callcredit
Hi everyone looking for advice... How would a default appear on my callcredit report? I have a few old accounts ( now up to date and closed since 2013) that still appear on my report under closed accounts. I had about 6 months of missed payments in 2012 on these accounts. On my report these months show as orange dots with…
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Credit Reports
Forgive me if this has been asked several times before, but is there a company that will carry out a credit report going back several years (like 20!). This is in relation to a PPI claim through Barclays and Barclays are now asking questions such as what savings and life insurance I had at the time of taking out my PPI…
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Non-Settled non-mail order accounts?
I did an Experian credit check and one of my negatives was "You have no settled non-mail order accounts." Would this refer to my mobile phone bill or something? I've being going through my credit to find out if I have missed payments . What does this mean and what can I do to fix it? Thank you
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Old debt not defaulted
Afternoon guys, With the help of these forums I have managed to see my credit report. I have a few defaulted debt balances, which I understand will stay on file for 6 years from the default date. I have however noticed a credit card (taken out in 2010) on the report which has not defaulted, last updated on 30th June 2013,…
