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Iva & credit check
hi I have a new job who want to credit check me I had an IVA 4 years ago which my ex ran up about £40k of debt in my name and then he got me in an iva to try and clear the mess he made. i only found out about this by chance a i checked my report. The IVA company didnt believe me as he had used his personal knowledge of me…
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What can companies see on hard pulls vs soft pulls
Hi, if a company conducts a hard pull on my credit report, what information can they see and what information can they see if they conduct a soft pull? I'm trying to find a full list of all the things they can see. Thanks.
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Wild Oats to Sow and Credit Ratings
Hello, To begin with, as you can tell by the title of the thread, I have made a few mistakes. On my way to this point in time, I've made mistakes. Specifically, the amount of money I have frittered away on alcohol, cigarettes, softer highs, holidays, gambling and junk food. I have 3 defaulted accounts to my name and my…
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Failed Credit check for Bank job
So, I've been told by an employment agency that I've failed a credit check for a position with Santander. Now, I've seen my latest credit report and I have just two amber AA's early arrears from October 2016. Those accounts were brought up to date very quickly and I have no CCJ's or defaults. I've tried to speak to…
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Equifax fined £500,000 for failing to protect customer data - MSE News
Credit reference agency Equifax has been fined £500,000 following an investigation into a hack last year, which compromised more than 15 million UK customer records...Read the full story: 'Equifax fined £500,000 for failing to protect customer data' Click reply below to discuss. If you haven’t already, join the forum to…
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Electoral Roll & Council Tax
Hi everyone, I’ve recently seperated from my wife and am in the process of moving into a rental and eventually buying my own place. The ‘marital home’ has already been transferred over to the wife. It’s all amicable btw, and we get on. My question is, is it possible that I can stay on the Electrol Roll in the ‘marital…
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Default Help - Eon
Hi, Looking for some advice, I have already challenged Eon but they have advised me that they are correct. I had a default warning notice on my energy bill last year, if I didn't pay or set up a plan. A plan was set up, however it failed at the end of December as I couldn't afford to pay it that month. They sent another…
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Will a short term change of address hurt my credit rating?
Hi everyone, I’m going to be applying for a mortgage at the end of this year, but in the meantime will have to move to a new address before I apply (so around 3 months in a short term house). If I change my address now will it hurt my credit rating? I’ve been living as a private tenant in my current property for 8 years…
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2 Defaults registered for the same debt
Hi, I have two defaults registered for the same debt for the same amount on the same day. MBNA, the original holder and then Link who bought the debt. Can I do anything to remove one? We are 1 year off of them falling off, but trying to remortgage and it's tripping us up. Thanks.
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Deceased ex
I’ve been lucky to be able to become debt free following the death of my ex. On my credit file I am still showing as being financially associated with him. All accounts we held together are now closed. I am just waiting for Barclays to update my file. Can I now disassociate myself from him in light of the fact he is…
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When do debts come off Credit file
Hi ! This is my first post ...so be gentle with me ! I have a very poor credit file .There is a debt of £5889 which defaulted on 12 /9 /2012 .This debt has now gone to a CCJ in 2014 .When will it come off my credit file ? Is it 6 years from the default or 6 years from CCJ ? ( it is the same debt) Hoist have removed the the…
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Help and advice with improving credit score
My credit score is currently 727 (experian). It has taken a beating in the last couple of years and I want to improve things. I am a postgraduate student and will finish in June 2019. I receive a tax free stipend (£1500 per month) and after my outgoings I never seem to have much left. I recently set up a Vanquis card (£250…
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Excellent credit score refused a credit card
Hi there, This is my first post, my partner has worked really hard to improve his credit score and has improved it from 300 to 969 on experian. He has a £1400 balance on a a vanquis card and in view of his now excellent score applied for a 0% card with Santander. His application was refused, any idea why? We are going to…
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Default Notice (Cash on Go Ltd, Peachy)
I have received a Noddle notification saying Peachy have added a default to my credit file. This has been expected, as although I have a repayment arrangement they have said I wasn’t paying enough to avoid further action. My question is. Is a default valid if I have not received an actual default notice referring to…
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Can credit card companies see my credit limit?
Hello, when credit card companies perform a credit search on me, can they see how much credit I already have or just the amount of cards I have? Also are companies likely to accept you if you already have a pretty high limit when you apply? For example if my credit limit is £10,000, they may feel comfortable offering me a…
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Arvato??
Hi all I received a text today from ‘Arvato’. SMS as follows We have urgent information for Miss xxxxxx. Please visit secure link https://www.my-rise.com/xxxxxx or call 0344 571 4055 quoting xxxxx. Text STOP 60070 I’ve never heard of these people or know what they want. When clicking the link it asks me to confirm I am…
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How to check balance allowance on 0% balance transfer credit cards
Hi, I'm trying to support my Mum find a 0% balance transfer credit card. I have used the eligibility calculator and it lists a number of cards with a high percentage success rate. However when she applied for one of these cards, she was accepted but with a balance limit of only a few hundred. She needs a few thousand. My…
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After how long a default in my situation would drop?
I've been having 7-8 defaults after opening a business that went bust in 2013. I have since them put most of my creditors on £1 a month and have partially settled some. Question: Does this £1 a month means my D's won't disappear after 6 years have lapsed? some websites claim that the 6 year figure applies only to non paid…
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How do I find out info on a defaulted credit card? + court/bailiffs
Apparently I took out a Capital One credit card in 2007, and I've made no payments onto such a card. Got a letter out of the blue this week from the County Court (Lowell hold the debt) saying that if I don't pay £180 by so and so, bailiffs will visit me to take property. How do I find out exactly what the situation is…
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Personal loan, rejected for credit, score destroyed...
A few months ago I applied for a personal loan because I was inbetween jobs and there was a large gap between pay. Shortly after, I topped up the personal loan by a very small amount and then attempted to again which was rejected. Without realizing that making numerous applications within a short amount of time and having…
