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Getting a CCJ marked as paid?
My wife has a ccj against her which she paid a few months ago. The ccj is still showing as active. We have sent a number of emails to the claimant asking them to notify the court that it has been settled but they have refused to do so. I've emailed the courts on her behalf providing electronic proof of payment and asking…
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credit rating question
Advise needed. We bought a car from a relative and sent off the relevant info to transfer into our name. Just had a call to say the relative has had a parking fine but the parking company have had to use a credit reference agency to get their new address as dvla still has them as the owner and they have moved. Therefore…
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Amex Hard Search
Hey... First post! I've had my AMEX for about a year and a bit now and was wondering whether a request for an increased credit limit will do a hard search on my hard earned credit score. I've been working on my score since moving to the UK about two years ago! I don't really need the credit limit bump, but I'm looking at…
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Canceling current account application affect applying current account somewhere else
Please advise. I applied for a current account today but I realised a few hours latter that another bank has a better current account, ISA and credit card deals. I am thinking of canceling the application and waiting a month to open the current account I want? My concern is how badly this will effect my credit score (as I…
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High credit utilisation ratio vs the risk of maxing out credit
Hi, I have a number of credit cards which I use for different purposes (overseas spending, a 0% balance transfer, a reward card for everyday spending), as well as other sources of credit. The credit limits on all of these are relatively high and I do not get anywhere near reaching the limits, and, with the exception of the…
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Credit Card Debt.
Hi there, firstly I’m not the best with writing so bare with me... For years I had poor credit history and after 5 years I got myself sorted, at the beginning of 2018 I got myself a credit card with a limit of £3900, anyways, I made some large mistakes and got into gambling (error) losing pretty much the full amount. I’ve…
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Credit Card Debt Query
A bit of a tricky one maybe, but I'd really appreciate some advice: In 2012 I left a violent relationship and my former partner still lives in the home. He has never forwarded any mail and I don't want to contact him. I sorted things out as best I could at the time. Just over a year ago, I found that I had missed a Lloyds…
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How badly will a ccj affect my credit possibilities?
I have one default(BT which I disputed) and one ccj(Scotland) for rent arrears. How badly will this affect my credit rating, I assume it's as bad as you can get? I was also told by someone that they were surprised that a rent arrears decree would be put into my credit file as it's government debt, can any one verify this?…
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Credit Score and Maximum Borrowing
My credit score was excellent this time last year, but since buying a house it has dropped to fair. Is this because I am reaching a maximum borrowing amount? I don't have any adverse credit and all utility bills are up to date. I do have a store account that I occasionally spend around £100 on and always pay off to avoid…
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Car on long term lease vs PCP agreement
Hi all, looking for a little advice. For the past 3 years I have had a car on a long term lease agreement, paying approx £265 per month for the car. I never really thought much of it, but I use Noddle to check my credit report and it always showed my credit report as between good and excellent. It showed by short term debt…
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How many searches in 6 or 12 months is OK?
Hi. To give a bit of a backstory... Last June (2018) we sold our house and applied for a mortgage - 2 searches done on my file The house sale went ahead but the purchase had an issue with the chain. We told the broker the sale would go ahead but the purchase would not. In July 2018 we moved into rented and sold the house.…
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Missing CCJ
Have joined this site as now planning on saving for a mortgage in the next 2 years. Have checked, check my file and clear score and as expected both are showing a low credit score. Around 8 years ago, I took out an overdraft to the max of £2500. I know it’s no excuse but due to losing my job and becoming badly depressed, I…
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Partner Keeps Being Rejected With Good Score
Hello! Me and my partner are having a bit of an issue with my partner's credit score. He's in the 'Good' area, but despite this, student accounts he's applied to keep rejecting him based on information Experian are giving them. We've checked and contacted Experian, the first time he was rejected we thought it was because…
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CCJ - impact on credit score
Hi, first post here so hope it’s in the correct place. I am looking for some advice and maybe someone can assist. So background, many bad decisions in earlier life led to me managing a poor credit score for the last 10 years or so, notably defaults/CCJs and countless missed payments etc etc. Anyway, for the last 6 years I…
