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How do I see who credit searched me yesterday?
My credit report was generated on 1st July but how do I see who credit searched me , for example yesterday? Is there an agency that can give me this info without waiting another month for the credit file to update? Many thanks
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Should I close open credit cards accounts?
I checked my credit report and one of the positive factors was 'using 50% of credit limit' which I was confused about until I noticed that they were including credit cards I had used in the past, paid off and never touched again. These amounts are the only ones in my name, amounts are different on my debt free diary as…
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Incorrect date for default
Last November I was granted a DRO insolvency, as unable to pay or work due to ill health. I have four creditors, two have the defaults dated correctly as the same as the Insolvency of November 2017, The other two registered a default 4 months after insolvency in February 2018, and are refusing to change it to the earlier…
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credit cards and credit rating
I have 3 credit cards and they are almost full. My credit rating is poor because I have the high usage of my cc. What can I do to improve the credit rating? I can't afford to pay the total balance in one pay and I am in the meddle to apply for a mortgage. My bank said that they can give the mortgage but I am a bit scare…
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404 points
I just checked my credit score for the first time since moving into my first home with my fianc!. My score has dropped from 978 to 574 in a month! I expected a drop to an extent with setting up direct debits and having a mortgage but not for it to be cut in half nearly! Is this normal? Thanks
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House insurance
Hi I had a buildings insurance policy with Admiral. Since I took it out last year I have moved bank accounts, and didn't think to change my details with them (expecting to do a comparison and shop about, but I missed the boat). A couple of months ago I took out new car insurance with Admiral too and my partner has stuck…
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Making a start of rebuilding my credit rating!
After being discharged from bankruptcy and having (almost) completely cleared up my credit file, I today received my Vanquis credit card in the post. This is the first step I am taking to rebuild my credit file, in hope that in 5 years time I will be able to get a mortgage at a reasonably low interest :) . My limit is…
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CCJ from Cabot for Orange account
Hi We are in he process of wanting to apply for a mortgage and when checking credit scores my husband found a CCJ. I have so far emailed the courts to find out more information and they have sent me this information via email: Claimant: Cabot Claimants solicitors: Restons Solicitors Ltd Particulars of claim: THE CLAIMANT…
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Tips for Getting Defaults Removed
Hi All I thought I would share my success story in getting defaults removed from my credit file... so unfortunate people know there is always hope. Beforehand. I was in a difficult financial position back in 2014/15 due to divorce and Change of Job... The one thing I did at the time was communicate with my creditors, and…
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Seeking Help: Equifax refuses to remove a FRAUD EE bill account
Summary of the situation: Equifax refuses to remove a fraud account from my credit report, EE confirmed it was fraud on 25th June, however when Equifax asked them again EE change it to non-fraud. I ordered the sim card on EE website, however, I NEVER received the sim card in the first place. And I received the EE bill one…
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Which is better
Hi, Three adverse things on my file (that I can see anyways) * CCJ will be 6 years old in Nov this year * £60 Default * £146 Default Both Default happened around 4 years ago. Couple of questions if I can: I am in a position to pay them both defaults in full now OR accept an offer (around 70% less) from the DCA. Which would…
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Barclaycard Money Transfer
A quick question regarding Barclaycard Money transfers, does this go against me negatively as opposed to a balance transfer on credit cards. Deal is 0% till Jan 20 with a 1.9% fee, looking to get approx £3000, I can afford the monthly repayments, but I also have the cash in hand
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Default notice car finance
Hi there. looking for a bit of advice. I have just been issued with a default notice dated the 25/06/2018. This was sent as i have missed 3 payments. I sent them a letter on the 10/06/2018 requesting that they allow me to VT my agreement. I never heard back from them until i got the default notice. I also sent a second…
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Debt/Credit ratio
Hello I have recently started clearing debts and focusing on my credit file in anticipation of a long mortgage fix when my current deal expires in December. As of August my debts will be; MBNA credit card - Balance - £4100, 0% interest until 07/2020 (£7,700 limit) PCP car loan - Balance - £13000, 0% interest for term Couch…
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Account removal from Credit File
I have viewed my account and there is a record on there that isn't mine. It is a similar name a different DOB and address. I have contacted the company (JD Williams) and they have said it is mine and i need to pay the bill. Im refusing to pay as its nothing to do with me but the account is about to go into default and this…
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Credit History Disappeared - Can't Verify Identity
Hi Posting on behalf on my partner here. It would appear that her credit history has completely up and vanished. We live together and so share rent but but when she accessed her online banking to transfer her half of the rent money, her RBS account had been shut down. We went to the bank and queried this and they couldn't…
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Equifax. Low score with n/A INFO??
Hi i recently applied for my credit repor from equifax. As expected it was very poor. They asked for last three years addresses which i wasnt on the electoral role at these addreses. !But most info was marked n/a. I assumed with my bank account it would link me !to previous addresses over three years ago. Im assuming the…
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Credit check for finance employment
Anyone had a credit check conducted via Expedia for employment? I’ve tried to do my own credit check and I’ve been unable to find myself as I’ve been of the electrical roll for 8+ years. Lived overseas. No credit either. Thinking if it’s worth going to the interview?
