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Opening a student bank account with a CIFAS marker
So I'm going to uni next year and intent to open a student bank but I remembered some dodgy stuff I did when I was in need of money. I downloaded Starling Bank App when I was 17 and gave it to a guy to "load" the account. About two days later I got an email saying there had been fraudulent activity on of the payments and I…
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Credit score on here VS clear score
Afternoon, So I joined the credit club on here, and found out my score was in the 900's!! (fab!) However the free clear score, was giving me a score of 293!!? What is going on!? I really need to apply for a 0% balance transfer and martin lewis eligibility calc said im 100% approval for a virgin money 0% and 90% for a few…
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British Gas - Laye payment on Credit File
Hi all, Sorry long-time lurker, 1st time poster so bare with me! Year before last I accessed all 3 of my CRA credit reports in order to start getting ready to apply for a mortgage - on my file there is a late payment marker from British Gas going back to 2011 - only the last 6 years show up so atm it starts at Feb 13 until…
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MSE Credit Club - No Information now showing
Hi, all of my information has disappeared from my file other than my name. I emailed Experian over a week ago and haven't even had a reply. I know their was some sort of problem but I would have expected something back by now other than an automated response. Has anyone else had this happen? Thanks
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Credit Card Defaults
I went onto a repayment plan with credit card companies over 6 years ago. This resulted in me getting defaulted, over the last 18 months I have had a payrise and went back to making repayments with interest. Last month I was reduced to a 4 day working week. I am not going to be able to make the payments for long. If I tell…
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How many is too many credit checks?
Hi everyone I am trying to sort out my finances and know that there will be about 4 credit checks to get the services I want but I am unsure how much I should space them out as I know lots in a short space of time look bad I got a 0% balance transfer credit card in January so I know that there will be a credit check from…
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TalkTalk Reporting Incorrect Name - Won't Remove
Hi All, I really need some advice and guidance please. I will be going for a mortgage in about 7 months time. I took it upon myself to check my credit file last week. I signed up to TalkTalk years ago and have never had any reason to contact them. I have always paid my bill on time and never had any issue with the service.…
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CCJ received in error
Hi. My wife received a CCJ a few weeks ago for a debt that is nothing to do with us. It's been issued via a company called Asset Collections & Investigations, who've acted on behalf of the claimant Uncle Buck, and they've obviously taken a punt on the fact that the claimant they are chasing has the same name as my wife.…
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Santander default and going to FOS
Hi everyone. I’m looking for some advice please. I started on a DMP three years ago. Three of my debts are with Santander... loan, credit card and overdraft. The credit card and overdraft defaulted in 2016 and we’re passed onto debt collection. The loan never defaulted and stayed with Santander. In may last year I…
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British Gas default that BG know nothing about.
Hi all, My husband and I are in the process of applying for a mortgage and upon checking our credit file on Check my file, my husband found he had a default he wasn’t aware of, of £200 to British Gas. It was for September 2016 for a property he sold in January 2016. He knew nothing about the bill. He rang British Gas today…
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CIFAS Marker - Removal
Basically, I was being paid for online business with a Fraudster which was completely unknown to me until my bank closed my account. When I raised a complaint with Lloyds, they instructed over the phone to change my story implicitly. I now have an ongoing case with the financial ombudsman and have told them, I am just…
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How to strengthen my credit rating
Hi, first time posting so apologies if this is not in the correct section. I'm wanting to apply for a mortgage for a house I wish to buy. I have been declined by HSBC even though I have banked with them for over 30 years and have savings accounts held with them etc. They actually can't get to the bottom of why the…
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Income on credit applications
A few things that I'm trying to find out When applying for credit and you get asked the question about your income Do I answer with my yearly income from my job or do I also include things like tax credits ect aswell as my income from my job Second thing is I recently settled a PCP finance of 24k. It's been updated on my…
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CCJ scare tactics
January 2019 company contacts me to say I owe X amount and to ring to arrange payment. "Prove debt" letter sent. Company responded saying CCJ was issued in 2017. This was not true. CCJ was not awarded due to them not serving court papers. Debt is now statute barred. Letter sent. Company still chasing payment. Latest words…
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Third Credit Check in three Days?
Hi all, I was hoping one of you might be able to help as I'm super stressed. I've been working to improve my credit rating over the past six months (with some success). I have no defaults/CCJs etc (mainly a lot of used credit and a lot of addresses/short term accounts) But I'm moving flats, into a new place where I can't…
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Credit scores
Hi, after bankruptcy, what is the best way to rebuild a credit score please? I have a high interest credit card already. Thanks, Jeremy
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Debt Letter not my debt
Hello all, I have just received a letter through the post from PRA Group stating an amount of money is due to them from an Agreement in my name dated August 1999. I have never had any debts, or taken out any loans, etc and know this is not my debt at all. I was going to send the 'prove it' letter, but would like guidance…
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Unknown CCJ
I'm trying to release equity on my house but a credit search by the mortgage company shows a CCJ on my file from 1/9/16 which I have no knowledge of. I have never received any paperwork regarding the debt, court date or requests for payment. How do I deal with this please?
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Wrong date on credit file for default
Hi guys. Was just looking more into my credit report and noticed the date on this default is about a year and a half after the account was opened. Do you think I would have a chance of getting this default moved back to a start date of 2014. Tried uploading a pic of the Into on my credit file but unable to as I’m a new…
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Default- April 2013- DESPERATE ADVICE NEEDED
Hi all, I was hoping for a bit of advice. It's with regards to a mobile phone contract I had with Vodafone in 2013. Unfortunately, I defaulted on that account for several months on 01/04/2013. I had lost my job and was in complete denial in owning up to my debts. I since paid the outstanding balance several months later…
