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Consequences of not paying a CCJ
Apparently I have a CCJ from 2016. I never received court papers because they were sent to my mum's house. She moved by the time the CCJ was applied for. I have never had credit or been on electoral role at that house so the CCJ isn't showing on my credit profile. I don't work. I don't own my house. Baliffs don't have the…
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Why can they see?
Hi, Just having a thought whilst at work and after a google search I have unanswered questions still. All regarding what lenders actually see on my credit report. 1) can lenders see the company you’ve got credit with weather it be a cc or loan eg Barclays, Santander etc. 2) can they see your interest rate. 3) do certain…
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CCJ advice
Hello all. I had a CCJ registered against me in March 2014. In just over a year it will expire but my repayment plan extends beyond that time; Sept 2020. - should i continue to pay beyond March 14? I know they can't register another CCJ against my name but can they still update my credit report with defaults? - should i…
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Husband’s ex wife on my credit score?
Hi, Can anyone help me. I separated from my husband 2 years ago (we didn’t have any joint accounts or mortgage etc but he does show as an associate on my credit file) I am looking into getting a mortgage so checked my credit file today and when looking through my footprint of applications and credit searches I saw my…
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Good score but zero chance of credit
I have just become debt free following 5 years of being on a debt management plan. Checked my cfredit score and it was 900+ in the good category. I still have 12 defaults on my file as a result of previous difficulties I presume this is why my loan eligibility checker looks so poor. My question is......why is the score so…
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Is it better to close credit cards or leave them open?
I read somewhere that you lowered your perceived risk by getting your overall debt below 70%. I have finally got my debt to 69% and it will continue to fall. My question is, is it better to close the credit cards once they are paid off but my debt % will be high or it is better in the eyes of lenders if I have less access…
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Advice Needed
A colleague of my wife has an issue and is needing advice. She bought a TV and Xbox from brighthouse, for her partner, the credit is in her name. They split up and he pawned both off, she is now being chased by brighthouse for the payments, she has been into the branch to explain but they're no help. He won't pay up and…
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CCJ satisfied can I set aside?
Logged in to review my credit score today for the first time in a year since we moved house as i've had no reason to really keep an eye on it prior to now as I wasn't applying for any credit etc. Checked as in the next 6 months i'm looking to get a mortgage and my credit score result was not good, after a little digging…
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Late payment
I have been checking my Noddle report and it shows I have a missed /late payment on a late phone ( 3 ) bill in January 2016. It was a 30-day rolling contract i forgot about and when I cancelled the direct debit by mistake and forgot about it. I did pay it over the phone when they rang me but now it's showing on my credit…
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Late payments over 6 years old
Hi all, I’m looking at applying for a mortgage in around 12 months time and want to clear a few things up before I do. I’ve read that any late payments on your credit file will come off after 6 years. I was late on a payment back in 2012 and also 2010 but these are still showing on my credit file under the closed accounts…
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Poor credit rating
Hi, After being refused a credit card we’ve recently discovered our credit rating is poor. There are 6 positives and 1 negative (according to Experian). How do we go about finding out what the negative is so that we can either rectify it or avoid it in the future? Last year we had a very good score and are financially…
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Credit file - our rights
I have spent hours trawling the net to learn, however, information is scant. I am sure I am in good company here in wanting to know just what are our rights in terms of confidentiality, security and privacy in respect of our credit file. It seems that any company can perform a search willy-nilly. I often find searches from…
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Is my credit improving
Hi everyone , my credit file rating has dropped and raisn into poor frrom very poor , its been dropping for maybe 6 months out of 8 in total where 2 of those in the middle it jumped 70 points the dropped all those plus another 46. Now i know you you credit score means nothing on the grand scheme's of things but it feels…
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help for first time buyer
Good afternoon, im wondering if anyone can help.. i have a poor score on noddle and experian, i have 2 credit cards and 1 loan (personal loan for car) card 1 - £6.50 balance 4k limit card 2 - £3800 4k limit card 2 is balance transfer card that i had taken balance from card 1 from. loan 8k left 2 years payments. im wanting…
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CCJ satisfaction
Hello. I have a CCJ dated August 2014. I am aware that it will stay on my report for 6 years but it's still showing as active even though I paid the balance in 2016. My question is this: When I finally get my certificate of satisfaction from the wonderful bunch at Northampton court will the ccj show on my report that it…
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Help - How do I find out what an unknown CCJ is for?
Hi there! I'm a new user and this is my first post... hoping there are people out there that can give me some advice as I'm lost!! When my partner and I applied for a mortgage, we were horrified to learn that he had a CCJ against his name dating back to 2011. He had no idea of it, and has never seen the paperwork. We…
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Credit File Not Updated
Hi there, I am after some advice, I have recently downloaded my credit file to figure out why its still poor even though I have paid everything off. It turns out that 7 companies including major banks have not updated my file to show that everything is settled. /i have read that I need to write to them and ask them to…
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13 months of letters to a company that put a CCJ on my credit file in error and no reply, help?
I have followed the advice of Experian and the Court involved, and now the financial ombudsman and have got nowhere! This has nothing to do with me and is causing me considerable problems with finance and costing me a lot of money as I cannot remortgage. It is for £2,500!! What can be done when the company reply to nobody…
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Advise needed on CCJ
Hi I am new to this and just needed to understand what i can do. I am self employed and in December i won a small courts claim against a company for breach of contract. They have still not made payment although the payment date was 28th December. What can I do to enforce payment and how can i make sure their credit rating…
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CCJ issued from Estate Agent
Hi There, First post just wondering if anyone can give me some advice. I was in a joint tenancy with me father which started in Dec 2015 and was initially a year. In Feb 2017 I delivered a letter to the estate agent serving notice, he then acknowledged with an email stating "in was in the process of trying to take me off…
