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ID Mobile
My father bought a mobile phone stupidly with cash 3 years ago from ID M0bile/Carphone Warehouse in Gloucester. On seeing a better deal he returned to the shop and cancelled his contract,Gave the phone back and got his money back to the sales person. His wife 'my mother' died last week and he needed to change all the bank…
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Confused terminology
Hi all, After trawling the internet for advise, I am very much confused. I would like to pay off a debt I have with Barclays/ wescote. Please see letter below. Which is the best option to take as I read on the internet that both are good Client: Barclays Bank Balance: £248.64 We refer to your recent communication…
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Help found CCJ on Experian
Dear all, sorry to disturb you just in need of help, me and my other half were to apply for a mortgage and decided to check our credit report, mine is fine no defaults or missed payments, om my other half we found a CCJ that went to court in 2015, she didn’t know about this as she doesn’t remember seeing any letters from…
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Default Date Error on Credit File?
Hi My wife took out a loan of £21k in 2007 over 5 years, in 2010 we emigrated but left open our bank accounts which continued to pay the loan. We have now moved back to the UK and cant get a mortgage as it shows the last payment made on the loan was January 2012 leaving a balance £1062. We accept this is an error on our…
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Morgage DIP Declined - Electoral Roll
Hi there! My partner and me last month applied for a joint DIP for a morgage with Nationwide however got declined with very little information from the advisor. He requested both of us to contact Equifax and Call Credit to discuss with them why we were declined. We did so directly on the phone and were advised to pay a…
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Financial link between me & mum
Apologies if this is the wrong forum. My mum has mentioned to me today that she would like to either open a joint bank account with me or add my name on to one of her accounts. She is widowed and I am listed as executor of her will and have power of attorney for health & wealth. She wants me to be able to access her money…
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Aging and credit history
Hi, Just a query ......I am expecting to embark on home renovations next year, for which I will require a loan of around 15k. I have seen that on my credit history the only loan history I have was a car loan of a similar sum which was paid off almost six years ago.....therefore this will be dropping off the credit history…
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Notice of correction not visible to me
Wonder if anyone can help; when I apply for credit I am told that there is a notice of correction on my file that causes delays and possibly issues with accessing credit. They will not tell me what’s on it and just refer me to the credit agencies. I can see my credit reports from Experian (via MSE Credit Club) and Equifax…
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Preparing for remortgaging with credit cards
I took out my mortgage 2 years ago for a 5 year deal. Overpaying happily enough, but with my deal about halfway, I wanted to start thinking about when it comes time to remortgage. I currently have 3 credit cards, £5k with amex, nationwide and £2.1k with Amazon (new day). I pay all 3 off with a direct debit every month,…
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Removed Default Mortgages Advice
Hello I am looking to get a mortgage but have a question about what about a previous default that has been removed from my credit record. The default was removed from my credit file after the 6 year period and was UN-settled. Will mortgage lenders still be able to see this even though it has been removed from my file on…
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Log in issues - ongoing?
MSE Credit Club - Is there a current issue? I'm getting "An error has occurred Unfortunately an error occurred whilst attempting to log you in."
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Removing / Disputing Late Payments on Credit Score
I have just carried out a credit check on myself , over the past 4mths it looks like I have gone from Excellent to "Shaky". I have discovered this is because British Gas have screwed up my G&E bills since I switched from DD to pay as you go meters. I have been a DD customer for 8 years and never missed a payment it looks…
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Debt defaulted but when sold default removed/not added
Back in 2015 an account I had with the Co-Operative was defaulted. I received the notice. The account was then sold to Link Financial. On my credit file there is an entry by the Co-Op showing a default date of 02/01/2015 There is also a duplicate entry owned by Link Financial (same account number as the Co-Op one) and it…
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Multiple addresses
Hi everyone! I need some advice about multiple addresses affecting my credit report... Most of my accounts (current account, credit cards, phone bill, any loans etc) are registered to my parents' address, and I am on the electoral roll there. However, I have always rented in London and move quite frequently, and the…
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Thank You MSE!
I've got to post and say a big thank you to all at MSE for helping me FINALLY get my credit to a place where I've been able to purchase a house & have a 0% credit card. :money: Through lack of understanding, I never really understood why I always got rejected.. since I turned 18 my credit was always poor. I still don't…
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Impact of erroneous direct debit
Yesterday I received a letter from Virgin Media confirming that a direct debit had been set up, it was correctly addressed to me but I don't and have never had an account with Virgin Media. I rang them on the number in the letter having confirmed it actually was Virgin Media (I was half expecting it to be a scam of some…
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someone else using my old married name and address
On Saturday i found that i had 7 checks on my noddle account in searches in my very old married name to a company called Retail Money Market Limited T/A ratesetter.com since 01/04/17 and upto 18/01/19 and i have not lived at this address for 12 years and not had that married name for 11 years. I also noticed that my…
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Credit Score in the early 2000's
Hi, long time watcher first time poster. Apprecaite this is a long shot, but does anyone know when credit scores stopped being linked to the house and went onto the person. For example, i am 99% sure that in the early 2000's if my sister didn't pay her direct debits, the whole house had a bad score, not just her. Any help…
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Does these as Defaults or Settled?
Hi, What do you make of these? Both have default dates, but both appear as "S" on Equifax rather than "D", and show settled. The Lloyds mark, was "D" and in November 2018, they sold the balance to a debt collection agency who I currently make payments to, it was at this point, it got updated to "S". So basic question, what…
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how best to protect/rebuild my credit score while negotiating a debt.
Hi, I was hoping for advice on my current financial situation and how best to protect/rebuild my credit score while negotiating a debt. For context I have had very serious and long term medical issues for the last couple of years and am not well enough to work and have no income outside of benefits, which are barely enough…
