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How to tell apart soft and hard search?
How would you know what a soft or hard search is on equifax? I recently applied for car finance through an online broker and ended up with about 12 credit searches on equifax. Are these credit searches soft searches? Thanks
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CCJ Advice - Welcome Finance
Evening Guys, I have recently taken the task to clear up my credit file after my marriage ended, I got my equifax credit report and realised I had 2 CCJ's. I have paid one of them but I am confused as to what to do with the second one. I contacted the courts and found out the 2nd CCJ is with Welcome Finance I took an…
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Defaults Help/Advice
New to the forum so please be kind but I’m in desperate need of help/advice and feel like I don’t really understand what’s going on. I’ve been on a DMP for a few years but due to a few missed payments some of my lenders passed the debt on to debt collection companies (link & Cabot credit mangement). These companies show on…
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Erroneous AEO
In my latest payslip, I noticed a deduction for 'Fines AEO'. I hadn't even heard this term until yesterday, but now I've looked into it it makes no sense. From what I understand, an AEO happens after you've already had a CCJ and failed to make payment on it; in addition, I would have received N56 paperwork. So here's where…
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Credit Report - Desperate
Hi all, After some advice, and the title pretty much sums it up. We are currently selling our house, and are looking to buy another. Our finances have been woeful as of the last 3/4 years, so the main reason for selling was to downsize slightly, and release equity in the house (around 100k) which would be used to pay off…
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MSE Credit Club - 2 people, 2 accounts, same email?
Hello - can 2 of us use the same email address but create different accounts (password, memorable name etc) from it? Thanks very much Humdinger
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Low credit score - mortgage application vs credit card application
Hi all. We're moving back to Blighty after a few years abroad and will be looking to buy asap. My question is, I know how to improve my credit rating but generally, is it easier to get a mortgage than say an overdraft? And is there a crossover point in loan to value where getting a mortgage becomes much easier, say if I…
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Need help with defensive after successfully setting aside ccj
Hi guys, new to the forum so hope I am posting in the right place! Basically we have successfully had a ccj set aside due to the fact they served the original papers to an address we have never lived at. The order of the court was they needed to pay our costs, send us particulars of claim within 14 days and for us to then…
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Sorting CR after living abroad
Hi I have lived abroad for 2 years and intend to move home permanently in the next 2 years. When I return home I will be wanting to get a mortgage (I know i'll need to wait until I have been employed for a certain time) but I would like to get my CR as healthy as it can be in readiness. Is there anything I can be doing now…
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80 years old
Hi, My dad is a pensioner. (He turns 81 in feb). He has a account which his pension goes in to with West Bromwich building society which he has held for over 15 years. He’s never had any other account. He’s really old school. Never had no direct debits. He is really old school. If he needs to pay for anything he will walk…
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Getting a CCJ removed. What next?
Hi all A few months ago I found out via my credit report that a CCJ was taken against me. The company was Cohen Cramer. I applied for a set aside as the paperwork went to an old address which was granted. I then provided proof that I was not living at the address when the supposed debt (provident loan) was taken out. Today…
