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Wrongful CCJ record from credit club
EDITED COS I HAVE CALMED DOWN A BIT Ok so I decided to check my credit report (from the free credit club). It said I had a poor rating beause I have a CCJ out against me (or bankrupt which I am not nor ever have been). I have an average amount of debt but have never missed a payment in my life and always make way over the…
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Credit Cards - to keep or to cancel?
Hi everyone, I like to sign up to new credit cards, as they often have very good sign-up/welcome deals. I will then do whatever I need to do to earn the sign-up bonus, then never use the card again. I now have around 6 credit cards (all have no debt on, and my Experian credit score is a perfect 999), and am wondering what…
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CCJ papers not recieved
Hi All, Me and my partner are in the process of applying for a mortgage, and after being requested to send over our credit reports, we found out that my partner has a CCJ issued in February 2017 for a total of £441. He didn't know what it was for, so phoned Northampton County Court Business centre, who issued the CCJ who…
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credit search, british gas/edf energy
Hi, It's me again, I know I'm such a pain I have been British Gas customer since 2003, I was on credit meter, except for a time I was away etc, and they doubled the bill with court costs etc and put me on CRA as they do. The debt was finished two years ago on prepay. I have a fair credit rating and well managed anyway; I…
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Jacamo - close or not?
Hi folks, I have a Jacamo credit account that was opened about two years ago. It has a limit of £2000, and after making a £600 payment yesterday the balance is now down to 500-something. I plan to pay it off in it's entirety, as they sent me a letter saying they are upping the interest to 69.9%. Once this is fully paid off…
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Equifax update time?
We paid off all our debt end of July but nothing shows up in Equifax, still thinks we have all the debts etc Anybody know how long it takes for them to update their info?
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GDPR and Experian
I cancelled an account with Experian - on account of no longer needing it and being concerned about data breaches (they were hacked at least 2 times in the last 4 years) This took 3 emails - they didn't even respond to the first two !! I discovered that, despite my cancelling my account - Experian "hold on" to my personal…
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MSE Credit Club - Excellent Credit Rating but poor Affordability score
Hi there, I was hoping someone could help. I’ve been working to improve my credit score over the last 12 months as I’m hoping to apply for a mortgage later this year. My credit rating on MSE Credit Club is now within the ‘Excellent’ category (969), however my Affordability Score is ‘very weak’. Within the Affordability…
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Bad credit mortgage
Hi guys, finally cleared all my debt! Long and painful process. It’s time i got on the property ladder, so my question is, is there any lenders that accept bad credit applications? My ‘lend rate’ is also low (meaning I can’t get credit cards etc). So I’m in two minds whether it’s worth me talking to a mortgage advisor, or…
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Linked addresses
Good evening, I've a problem, and wondering if any of you can assist me. In June this year, I had an alert via CallCredit (Now TransUnion) which I checked. To my horror, an account which was defaulted, appeared on my report, in my name and date of birth. However, most definitely, was not mine. I contacted CallCredit,…
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Hoist Portfolio - no idea what the debt is
Hi there Like many, I am a long term lurker and huge fan of MSE Forums. Short backstory: as a student I got myself into some pretty sizeable debt and relied on payday loans for a period. Eight years on, I am so very close to clearing the final amounts of money owed. I've just checked my Experian credit report and can see…
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To cancel old credit card or now?
So i read the post on the money saying expert site about canceling old credit cards but i'm still a little confused with my situation so hoping someone can offer some words of wisdom. I took out a Barclays credit card in 2008, made some mistakes and stopped using it, paid the balance of a few years later and since then…
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Pay off or not
Hello all I currently have 3 credit cards with varying amounts on them I will be in the position pretty soon to pay them all off and close them but is this recommended It goes against all that we are advised on here to keep using a CC so was just wondering whats best to do Close all 3 or close 2 and use one and pay off the…
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Can a 12 Year Old Credit Card Debt (sold on) Be Put On My Credit File???
I have an old credit card debt that i entered into a voluntary payment plan (among other several unsecured debts at the time). The bank sold the debt on about 10 years ago. And the new debt owner continued accepting our agreed voluntary payment plan (token payments with my other creditors). In the past 10 years the debt…
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Pay off Mortgage First or Credit Cards First?
Hello Our mortgage term ends in six months and we will be able to pay a lump sum off the balance without any penalties. We have £20,000 in savings. We also have £10,000 on 0% credit cards which will run for another 18 months. We are self-employed, and our 'loan affordability' is weak. Paying off the credit cards should…
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Help two entries on my file
Hello, just a quick question 118 118 sold my debt to Lowells and I now have to entries on my credit file for the same debt. Is this correct? Edit: 118 118 are still reporting on the debt also.
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MSE Credit club
Just checked Credit club as its just updated and all but one of my credit cards have vanished...was all there previously but now not showing. Anyone else had this issue...assuming a glitch.?
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Incorrect default posted on credit report? Panicking!
Hi all. My partner and I are planning to apply for a mortgage shortly. Yesterday I checked my credit rating after a few months and was shocked to see that it has fallen from excellent to poor. After some investigation I discovered that this is due to NPower recording 4 missed payments. However, I have a prepayment meter…
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No credit history showing on Experian since move 18 months ago...
I'm intrigued to hear others thoughts and experiences with this... My husband and I moved 18 months ago and I just checked my Experian account after Nationwide declined us at decision in principle stage for a further advance for home renvovations. I've found that none of my credit activity since we moved has registered on…
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Paid off credit card negatively affected credit rating
I'm in the process of saving for a house deposit with my boyfriend. As a result I've been trying to keep my credit score as healthy as possible. This time last year I had never taken out a credit card so took one out to take my rating from Good to Excellent. I could only get 3 months interest free on my first which I then…
