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Council Tax Mortgage Application
Hi, I'm hoping someone can help me. I am applying for a mortgage and I'm worried about how some old adverse credit issues will affect my application. Although there isn't much more than the odd old missed payment on my credit report on all 3 reports, I have a settled debt that is not on my report that I'm not sure if it…
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Incorrect Default-Bank Confirmed-Do I Need to Do Anything re Default?
Hi, Thanks in Advance. Background - lived in the UK for many years before heading back to Oz. Contacted all necessary financial institutions to ensure that all accounts were paid up and closed. Changed my UK address to my 'mother-in-laws'. Late 2017 was informed that received a letter from LINK financial regarding a…
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Don't understand how credit score works?
I've ready everywhere that a credit application (hard search) will drop your score, and so will opening a new account. I applied for a credit card, got it but... the score (Experian) hasn't dropped??? Yet, both the search and the new account are already in the online report. This is so confusing! I don't understand how it…
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2 missed showing on creditwise
Nightmare with cw and equifax passing buck with poorly trained staff. Basically, cw shows 2 missed payments in last 2 months but wont say who, and my experian, noodle and equifax all say no missed payments Any ideas
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Credit Unions and Credit Checks
Hello, Is there any way to know what CRAs a credit union searches for doing a check? The reason being, I have some problem with Equifax - in that they keep bumping me out of the Electoral Roll in their report (whereas I've been registered at the same address for 10 months) - and I want to shop for a credit union that…
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Meaning of money laundering when it comes to credit?
When lenders say they make anti money laundering checks in an application what does that actually mean? Money laundering means passing ill-gotten-gains through legit sources to make it clean money. But money on credit comes from them... barring repayment which isn't made at the time of application. so can someone with a…
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Last updated....
Am i correct in thinking that when you are checking your credit reports, if the date of an account was last updated say 2-3 months ago, this is down to the provider rather than the company providing your credit report? Seem to have a lot on both clearscore, noddle and MSE credit club where balances haven't been updated…
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CIFAS on my Equifax!
Hi all, I had an application fraud marker on with CIFAS, which after appealing against the lender two weeks ago they have removed! Good news. However annoyingly, and presumably related to the removal (or else me subsequently asking CIFAS to check it's definitely gone) my Equifax report shows last week that: "CIFAS , a…
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Did this really happen??
Hi people I’m not sure what is going on, Ihad a default put on my account on feb 2014 ever since my credit score has been terrible, couldn’t take out loans contracts literraly it was the worst thing ever. But I’ve just checked and it’s gone. My credit score has shot up on all platforms. I just can’t believe it. After 4…
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Worried I have been victim of Identity Theft, Please Help
So I am a university student on summer holidays and have been applying for summer jobs. I applied for a seemingly harmless advert on gumtree a few weeks ago - sent in CV with full name and (stupidly) full address. Was contacted by a guy yesterday about the job and basically it ended up with me stupidly emailing him a…
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Switch bank account now and then re-mortgage next year
I currently have seven current accounts and four regular savers. The reason I have all these accounts is to benefit from interest rates. I occasionally switch between banks. I must of switched five times within the last three years. I am thinking about opening an M&S account to benefit from the switch bonus and regular…
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Small personal journey last hurdle need help
Good afternoon all, I can honesty say the members here have helped me get through some really tough Financial Times along side my super supportive partner. I served in the military from 18 for 6 years where I accumulated most of my debt. First was a car loan, then credit card, loan for a holiday then payday loans to pay…
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Credit Issuer Closing Account
Does a credit issuer closing your account (with 0 balance) show up any differently on a credit report than if I were to do it? Essentially Amex want to do a credit review, but I don't want to provide them with statements because I feel it is an invasion of privacy. I've paid off my card in full every month so don't see any…
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Marked as missed payment due to illness
Hi All, I have worked very hard over the last couple of years to get myself and my credit file into a good state only to suffer a stroke a few months ago. The stroke meant that I had to arrange for a payment break from my loan provider which they did with little fuss. Only issue I have is that they have marked my credit…
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Credit card application - old landline issue?
I am new to posting here so I apologise if I have posted this in the wrong place! :wave: I have recently applied for a credit card with MBNA for a balance transfer, and they have said they are able to offer me the card I want. Along with a few of the ordinary additional requests to confirm my identity (copy of…
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MSE Credit Club
Hi Folks. My son is struggling to get verified on the Credit Club site. Can anyone tell us what to do if your mobile phone provider is not on the list given? Also, one of our addresses:mad: doesn’t actually exist anymore as the house was demolished and a new street built! He is living at home so technically the question…
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Account Closed - Who Updates Credit File?
Hi. I had a default on a TSB overdraft in 2017, this was passed to Wescot. One month ago, I paid Wescot the outstanding amount in full. My credit file says the account is in default and the balance remains the same. I have spoken to TSB and because the account is closed they cannot access any information to update the…
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Introductory 0% deal over before purchase
Hi guys, Wondered if anyone could best advise me on the way forward regarding a 0% credit card from mbna. It took me a long time to get my credit rating good enough to be eligible for a card like this and I finally got accepted. I had a ccj and a dispute with a bank who left my file marked as unpaid or whatever ...these…
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Credit Score dropped by 175 in 1 month due to closing an old current account
I had a Halifax current account for around 4 years since I was 18 (22 now), and I wanted to switch to Starling. So I read up on as much as I could and made the switch, I did a full current account switch from Halifax to Starling, thus closing my Halifax account. Nowhere in my reading-up did I come across anything that made…
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Credit exposure vs. utilisation
Hi everyone, i have a question i was hoping could be answered here. Essentially i have ~5 credit cards all with quite high limits, which add up to a really high amount of credit exposure. I've just managed to pay off an additional one so now 3 of those cards have 0 balance. I'm hoping to get an offer soon on one of the…
