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Ccj from 2011
My son has jjust been refused credit to buy a car. After checking his credit score, he has found out he got a ccj (in November), for a loan he didn't pay off in 2011. He was given no warning of this and he had forgotten about the loan altogether. He is desperate for a new car, what should he do?
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Payday loans damage your score
Ok, so here’s the deal. A few years ago after I split up from my ex and he CLEARED our joint account so I turned to payday loans and got stuck in the cycle. I always paid them on time and after a few months kicked it altogether. My credit score over the years was good. Fast forward to 2018, my husband and I apply for a…
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New mortgage but previous repossession?
I would like to buy a house, needing a mortgage obviously, i believe my credit history is good for the last few years, however I have had a house repossessed approximately 10 years ago, I don't even know exactly when, there was a shortfall, which I was informed about but never settled not contacted about again Anything I…
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Hey to improve my credit score in preparation for mortgage application.
Hi. I have struggled with credit cards for a long time. I have previously tried to get a consolidation loan which worked for a while but am I made the mistake of not closing my credit card accounts. I had to leave my job and started using them again so have ended up with double the debt. I'm now in a secure job again…
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High utilisation on store card
Hi, I have an Argos card with £750 limit and have used £700. The £700 is due for payment October 2019, then in full. Will this relative high credit utilisation be seen as negative by lenders? Any point in reducing it, or paying it down earlier?
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Debt forwarded to debt collector - is damage already done?
I have private medical insurance with AXA with an excess of £100. I got some treatment at a Nuffield Health centre and then Nuffield wrote a letter to me saying to pay, FINAL DEMAND. This was the first letter I got and it said I had 7 days to pay. So I paid it immediately via bank transfer but didn't realize that it did…
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Defaults on credit file from experian are over 10 years old
Hi folks just wondering if someone could help with pointing me in the right direction. I have a couple of default payments on my credit record which are over 10 years old. I was under the assumption that these would have disappeared after 6 years but they still remain after 10 years. Could someone help with info on how I…
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Credit score!?!?
My credit score is driving me nuts! It goes up down left rite all over the place and nothing AT ALL has changed on my account. If anyone had read my other post in loans you will know that I’m waiting for a settled default to drop off in January 2019, that is literally the only bad thing in my report, although iv just…
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Council tax bill
So my ex partner use to live with me so we had a joint council tax bill she left about 5 months ago and left me in a bit of a bad situation I changed everything over all benefits and council tax in my own name about 3 months ago I received a bill from council tax in both hers and my name I called them up to say it is a…
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Experian credit score
Hi I cleared all my credit cards last month and tried to open a new bank account but got rejected due to my Experian score the bank said. Experian is still showing I owe about Ten grand in credit cards even though I don’t. Will next months report show me in improving. Right now I have about 30k in savings/bank balance and…
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Effect of taking out a mobile phone contract on credit score
Hi, I have noticed that when a new credit card is noted on my credit file, the score takes a dive. Will taking out a mobile phone contract (a phone and SIM) on contract cause a similar drop in the score?
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An Unknown Default
Hi there, Really after some advice. My partner was applying for credit and found they had a default payment on their credit score. Now they had looked at their score already the day before and it wasn’t there, only showed up the day after for some reason despite having been there since 2016. The main issue is it’s a final…
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Novice Alert
As a novice, I have a few questions to ask. I am learning, albeit annoying and frustrating a lot of you in the process. I have just got my first credit card with the limit of £500, so that might begin to explain my poor knowledge. I am a little confused by the terminology and advice on this page, although I do believe it…
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Advice Needed on Improving Credit Score
I hope this is the right place to ask. Basically, Vodafone has now given me a low credit score, due to it being the last account I have closed in the past six months. Is there any point in settling it? I don't think so. I was advised by Experian to leave it be since it will appear for 6 years regardless. I should have not…
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Problem with credit rating
Hi all, first post so please play nice. I am having a problem with my credit history or rather lack of it, but only with one CRA. I have an active credit card, I have had and loans in the past and paid them back without defaulting as well as things such as 0% finance deals from Currys PC World etc. but one credit reference…
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Will this affect my credit rating?
Hi, I have inherited some money from the passing of my stepdad ; I have an amount and my brother does(mum has given me his to look after until he is at a more mature stage of his life - for a house deposit/car). I just wanted to know if I opened a few saving/ISA/ accounts for this amount, if it would affect my credit…
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Lodger & credit report
Hi Guys, Please can you advise me. I have an awful credit rating and I also have a lodger. Would my credit rating affect my lodgers ability to gain credit as he has been refused credit lately & seems to think it is because of my credit status. We are not associated financially in any way & I have checked my credit report…
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Premium lenders Vs Sub par : Affect on credit score
So this doesnt seem to be much of a topic int he UK but its a big mystery in America Do Sub prime lenders, on your credit file, bring you down. Do premium lenders bring you up? I noticed, when I got an Amex, I was accepted for all credit cards, 0% deals and 20k loan. Prior, I barely got a Capital one with £150 balance.…
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Clearscore - Quotation and Personal Search
Hi all I have checked my Clearscore credit report today and noticed in the “Searches” section, under the “Quotation and Personal Searches” bit, a search from Bet365 on an address I Iast lived at three and half years ago. I did have account with them there at that address, but not used it for at least 4 years. I have sinced…
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0% interest credit cards
% interest credit card offers. so i applied for a mbna credit card in September which had a 0% interest until September 2020 great 🙂 or so i thought as the t&c is kind of misleading or am i the only one who would think providing i paid the card balance by the offer end date then i wouldn't pay the interest right ?. i had a…
