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Credit Rating Low due to a Mistake
Hello everyone - first post - need advice on this. I had an account with Santander Bank - which was zero balance - then had a charge for 1 pound from ebay, which was not authorized, and called santander and told them - I assumed they had dealt with it - but they didnt - and this ended up being 500 pounds and more with…
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T-Mobile still appearing on my Credit Report
Hi, I left T-Mobile some 3 years ago for an alternative mobile provider. My account was up to date, never behind with payments but the account was closed. I notice that my Credit Report is showing that they are still showing an up to date account in good order whereas surely this should be showing as 'Satisfied'? Each…
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Credit rating up 291 points in one month!
Can anyone explain how my credit rating could have gone up from poor to excellent on Experian - a jump of 291 points when... a) I owe more than I did b) I have an additional credit card c) I have moved house and am no longer on the electoral roll yet at my new house This has all happened in exactly one month. Clearly if I…
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T-Mobile still appearing on my Credit Report
Hi, I left T-Mobile some 3 years ago for an alternative mobile provider. My account was up to date, never behind with payments but the account was closed. I notice that my Credit Report is showing that they are still showing an up to date account in good order whereas surely this should be showing as 'Satisfied'? Each…
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How do tax credits and other benefits affect credit rating?
I work full time, earn a good wage and have good credit, but my circumstances now mean I have a choice between reducing my hours slightly and not claiming any benefits or tax credits, OR reducing my hours a bit more and claiming tax credits/benefits to make up the short fall. What would be the effect on my credit rating if…
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Competition watchdog raises concerns over Experian's purchase of ClearScore - MSE News
The competition watchdog is set to investigate Experian's purchase of fellow credit reference service ClearScore, due to fears it may reduce competition for those who want to check their credit score...Read the full story: 'Competition watchdog raises concerns over Experian's purchase of ClearScore' Click reply below to…
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Credit Rating Past - Still Affected
Hi there I am now a 30 year old with a 999 Credit Rating :j:j:j:j:j:j:j Never thought this day would happen ever. However I was once a 21 year old with a CCJ, tens of thousands in debt and stuck in a payday loan cycle. I did turn my life around and that's good. I haven't owed anything for a while and for the last year have…
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How long to repair?
Hi all, Having used some of the pre eligibility credit card checkers it appears that I am not eligible for any at present. We msised quite a few payments a few months ago during a very difficult time in our lives so I understand that this will have an impact. I know that this adverse data will remain on our files for 6…
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Old Debt - Do debtors acknowledge its Statutory Barred.
Hi, I received a letter tonight about debt from roughly 8/9 years ago. It claims a new company has taken over the debt and that I need to pay. I have not made a payment on this since at least 2010, it doesn’t show in my credit file and I’d long forgotten about it. I am going to write and advise that it should be SB and…
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Letter from Cabot re: Lloyds TSB credit card
Hi, I just received a letter from Cabot financial who say that they "now own your Lloyds TSB plc - Credit Card account" and that the outstanding balance is £1,271.76! This is the first I'm hearing of this and have no idea what they are talking about. I looked at all the open and closed accounts on my current credit report…
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"Late Payment" on Credit File due to Ombudsman investigation
Hi all, I have been having an ongoing issue with British Gas since October last year. I believed (and still do) that the final bill they issued me with when I left for another provider was overestimated due to a broken electricity meter (it was recording all electricity usage as day usage rather than split between day and…
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Phone contract declined.
Hi. A few days ago, I upgraded my phone. It was credit checked and went through fine. After receiving the phone, I noticed it had a faulty camera, and also the handset just wasn't what I was looking for. I rang up today and cancelled it (as it was within the 30 days of purchase). They are sending me out an envelope to send…
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Attributable data equifax
Hi i have a bit of a problem where on my equifax credit file there is another person appearing on my file under the section called "Attributable data" It says the following If there is information in the Attributable Data section, it indicates that the data could belong to you but cannot be definitely identified as yours.…
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Old debt new problems
I'm looking for some advice for my current predicament. I received a letter yesterday from a debt collection agency for a debt I have no knowledge of. I contacted the agency today to provide me with more detail around the alleged debt which comprises of 2 pay day loans from 2 different companies. They confirmed to me that…
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Password notice of correction for ID Theft - any consequences?
I made a previous thread where I may be a target of identity theft after accidentally giving out personal details. I have the option of writing to the three credit reference agencies (Experian, Equifax, and Callcredit) to place a password onto my credit report. Will this look badly upon me to lenders in the future? Any…
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Default query - utility account
Hi Experts! I have a question about default dates relating to a utility (water) account held in 2013, in particular the date of default notice and whether I have valid grounds to mount a challenge here. I'm not trying to dispute that the debt existed (when I found out about it in March 2018, I settled it immediately),…
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Credit card - Unqualified financial advise given, admission letter, want to invove ombudsman
Hi, I have had a credit card with a company we will just call (the credit card company). In 2016 I ran into financial difficulty and phoned up asking for a lower APR whilst I pay back, the team member gave financial advise stating that I should convert the debt into an arrangement to pay. I asked him to double check if it…
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Credit Score After Living Abroad
Hi - my partner was born in the UK but from the age of 24 to 41 he lived in Cyprus. Now he mas moved back to the UK permanently but is having difficulty in getting a personal loan to purchase a car. He has been back in the UK for 2 years. Reactivated his old bank account. Has recently been approved for a credit card. Has a…
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Remove a Financial Association
I appear to still be associated with my late wife in both her maiden and married name, how do I remove this?
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Alleged utility debt from 2011 being chased for, ignore?
Ok so the debt is for somewhere I lived but moved out in 2007, the letter claims I used £500 electricity in 4 months in summer 2011, however the discrepancies are. The house number is correct but not the flat number. I am a Mr, the account name has MRS. Im thinking after I moved out some maybe a old letter went there and…
