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Halifax clarity card
Ive just applied and been successful in obtaining a Halifax Clarity Card for use abroad. Just a quick question, is it better to pay my bills/purchases in Sterling or Euro's? (Going to Malta on first trip with card). Sure i saw this site said best to pay in Euro's, but the when speaking to the advisor at Halifax she said…
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First name spelling change and effect on credit rating if any.
If I am to change the way my first name is spelled what are the effects on credit rating?
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Credit report after name change
I got married last month and have changed my name on all my bank and credit card accounts. Also changed Electoral Roll I'm registered with Clear Score, Noddle and MSE credit club. Do I have to re-register with them with my new details or will my change of name filter through eventually? Hope that makes sense!
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Refused credit...identity theft
I am in the process of buying a home with my partner ..we put an offer in on a house which was accepted and gathered together a 10% deposit! Everything was good to go until our mortgage advisor said there was something on my credit file that was causing problems in securing a mortgage in principal! I’ve paid to re-join…
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If a person has no credit file, how will they know their credit score?
If a person has no credit file, how will they know their credit score?
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British Gas issue
Hi all, Hope this is in the right section of the forum, apologies if not! I’m having a bit of trouble with BG so hoping you might have some advice. Basically a few months back I had a BG engineer do some wiring work for me in my airing cupboard to enable me to get hive. He told me this would be £79 for one hours work. A…
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MSE Credit Club affordability
Can anyone explain how this is calculated ? From what I've read, it's about how much spare cash you have. My affordability is very weak despite me having approx £500 per month of spare cash Thanks
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Credit File
Is there a way to get a copy of your credit file without it being recorded on your credit record? I heard that there are two main credit ref companies and one that is free (noddle) but that your accessing it creates a record and your address on the credit file. Does GDPR mean that one can get the report free now?
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Paying Experian £14.99
I’m old and having a brain freeze, please help! I’m looking into reducing my monthly expenditure and noticed I have an account with Experian for which I pay £14.99 a month. I took the account about 5 years ago as I started to get random letters from mobile phone companies concerning phone contracts being taken out in my…
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Credit application rejected
HI there. My partner has been rejected by the bank when applied for a credit card. It happened 3 times now in 3 years, and we don't understand why, because we have the same history and I have a credit card for more than 1.5 year now, and the credit limit is increasing. He has a good paying job, a stable agreement, we are…
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MSE Credit Club: Savings & Investment Income
Credit Club Account Settings Your Finances Personal annual income, before tax [Do not include savings/investment income] Additional household income before tax Do I add both of our incomes from savings and investments to my wife's income from employment and pensions under this heading?
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In recovery and need advice..please help.
Hi all, I’m a first timer at posting after reading various forums and threads in the past I often turn to this site to get advice however I now require solid advice that I can’t already find. To give a brief breakdown of myself is basically in my younger years I was very stupid with my responsibility’s towards money and…
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Credit cards dropped off my file
Hi, I’ve been paying off a massive debt in credit cards for about 15 years. I had agreements for at least five of this where I was paying £1 a month and the interest was frozen. Slowly as I began earning more I increased the payments to £100 per card with the interest still frozen. Now I’m down to a debt of around £12k…
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Refused credit- advice please
Hi; Im hoping someone can alleviate our current frustration. In 30 years neither of us has defaulted on any payment and we have never got into any sort of financial trouble, got a fair bit saved and until today we’ve never had credit refused. Barclays have refused a 0% credit deal for a £1100 purchase- claiming something…
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Equifax won’t remove the defaults
Hi Today was my 6 year anniversary of my bankruptcy, Experian and call credit have dropped these of my records and even though I know credit scores don’t count it’s good to see mine back up to 991. The problem lies with Equifax who haven’t removed any I have rang them and they have told me the creditors have to give them…
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Bank Account Closed
This may be a lengthy one but I don't know what to do, my misses had an account with Barclays with an overdraft it subsequently got fraud but the balance overdrawn was done by her and they stopped the fraudsters in time before they got to spend anything, long story short she is terminally ill and cannot get to the bank,…
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Loans for pensiners??? Are they a myth???
I'm just looking for some advice..... My nan is 75.... never had a credit card etc.... My grandfather has recently passed and they received benefits via him.... he got carers etc as nan was looking after him.... her pension paid to her account shes had for 30+ years.... they live in council sheltered accommodation and…
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Credit file after 6 years - conflicting info
Can anyone shed some light on this as everything i thought i knew about credit seems to be untrue. (and because i know laws can be different i will state i live in Scotland) So i had a Capital One card and through a series of troubles in my personal life and leaving an abusive relationship the card went into default and i…
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Closing Credit Account
Hi all, I have a good credit rating but I want to improve it as I hope to apply for my first mortgage within the next year or so. I currently have 2 credit cards; both have zero balances at present. I also have an online credit account with Very with a credit limit of £3500, I also owe nothing on this and was thinking of…
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Paid off a CCJ within 1 month to Civil Enforcement...
...But I paid by phone and have no proof it has been paid. Wish I paid online now as there may have been a confirmation page. Only paid it 3 days ago and with the weekend it hasn't registered on my bank account yet. Ringing the court (County Court Business Centre in Northampton) a recorded message says I need a letter from…
