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Best way to deal with debts in order improve credit score please?
Hello, I defaulted on 3 credit cards few years ago back when I was a student, also owe some money to Vodafone and EE(~3000GBP all together). Wondering if it’s possible to improve my credit score and how long would that take? Should I just pay off all the debts and hope for the best or are there better techniques? Thanks,…
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Credit score increase without a job?
A stated above, does anyone know how to do this? My wife's credit score isn't great and we want to take direct steps to improve it but as she's a housewife and doesn't earn any money her eligibility is virtually 0. Is there a way to incrase her credit score without her working?
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NO default notice HELP
HI GUYS, Advice needed please, I have just found out that E.On have registered a DEFAULT on my credit file without my knowledge. I have now found out a year later that I am applying for a mortgage. I want to know if I can get this DEFAULT removed on the fact that it wasnt 'served'...I was liasing with E.on via e-mail in…
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Should I close my accounts?
Got myself into a bit of bother when I was younger and stupidly took out a lot of credit cards and catalogue accounts. I've since sorted myself out and finally paid off the last one today. Its taken me a long time! Should I close the accounts I'm unlikely to ever use again? I have a mixture of cards, some are low limits…
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Default Help (Urgent Mortgage Application)
I have had a data share on my credit file from Eon as a default on 24/02/2018, my account was registered only on the 18/09/2017, my first bill was viewed by me in October 2017, due to my registering late due to my first believing that British Gas was my supplier upon moving in on 15/03/2017. I have raised a complaint via…
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Study reveals possible link between numeracy skills and credit scores - MSE News
Consumers who are more confident with numbers are likely to have a better credit score than those who aren’t, initial findings of a study suggest...Read the full story: 'Study reveals possible link between numeracy skills and credit scores' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Cleaning Up Credit Report - Post Bankruptcy
Hi Guys, Back in December 2015 I finally went through with the bankruptcy process. It was the scariest jump to make given the debts I had racked up, but looking back now, I can honestly say it was one of the best decisions I have ever made in my life. Anyways, there were about 12 outstanding debts to a variety of lenders…
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MSE credit club dashboard vs report dates
Hi I am finding the MSE credit club very confusing when it comes to their dates! The date that the report is 'last updated' and 'next updated' on the Dashboard tab/page is consistently different to those stated on the Credit Report tab/page. The difference is usually by a couple of days. Can anybody shed any light on this…
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Fraud - multiple people, need help
The person who lived in my house circa 12 months ago contacted me today to ask if any more post came for her to let her know, as her partner's identity had been used to apply for multiple credit! I do get the occasional letter for them but Ive been returning unknown as I didn't realise it was her partner (didnt know his…
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Is paying the minimum bad for my credit file?
Hello, I currently have a credit card with £1,200 limit and I need to spend about £300 to get my car fixed as I don't want to claim on my insurance. Problem is I cannot afford to pay the £300 off when the statement would come through. and I need the repair.The current balance of the card right now is £0. I've only had a…
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Natwest Default
Hi everyone hope I can contribute to your community and vica versa hope you can help me out I have two seperate issues with a default from Natwest, first being I didn't receive any default warning and second one is the default was registered four months after they had passed to the DCA The debt is related to my Natwest…
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Wanting to keep UK credit history whilst moving abroad
Hi I’ve an opportunity to move to Sydney for initially 2 years and depending on how that goes I will either look to put down roots there or come back here. I don’t want to ruin my credit history and then have to wait years to get a mortgage if I do come back. I have a credit card at the moment and WILL continue to pay it…
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Capquest & default date
Hi :-) After a financial rough patch a few years ago I've been keeping an eye on my credit score via Clearscore and Experian over the last year or so. Although there seems to be a really wide variation between them (Clearscore has me as low but improving while Experian has me as very good) things have been slowly but…
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Reporting fraud
I am wishing to take the fact that my now ex-wife took credit out in my name, this is totalling around £2,000 (after me paying some) and her taking no responsibility. If I speak to action fraud and tell them everything whats the next step? Does the fraudster know I have reported this while the investigation goes on? Thanks
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Ruined credit rating due to ex partner
My ex wife (yet to divorce) took credit out in my name and I only found out when she had used all the products in question. What is the best course of action to take? We have two children together and she threw me out so I am back at home now and cant find my own place due to me having the debt hanging over me that she has…
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Ebay/Paypal debt
Hello, I am looking for some advice. I have debt with Ebay/Paypal from 2012. Is this debt still enforcable ? I dont beleive either use credit files etc so not sure if it can be statute barred ? Any advice welcome.
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O2 credit file mistake?
I was recently turned down on my mortgage renewal despite not knowingly having adverse credit. I obtained an Experian credit report and was surprised to see many non paid marks from O2 and their debt collection team Moorcroft Group. In August 2017 I was sent a new phone and contract from O2. It was not delivered and was…
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Unrecognized credit search
If I am concerned about nothing, reassurance will help a lot, thanks very much. New Noddle Report dated today says Vanquis search on 29 November 2018 code AF. I have never applied or searched on Vanquis at all and, so far, have not been able to contact Vanquis by 'phone - cut off twice with no log in details. My Saga…
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Credit file clean up (I hope)
Ok so here’s the deal I have a few defaults from 2015 which were sold to debt collectors, Zinc, Lantern and Lowell. And was hoping to apply for a first time mortgage which was obviously turned down (broker said I fitted criteria but credit score was too low). I’m in Northern Ireland so we don’t have mortgage lenders for…
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Equifax - Incorrect name - Attributable Data (Going for a mortgage)
Hi, Long story short, I am going for a mortgage soon. I have yet to apply, so I decided to check out my credit file. I signed up for TalkTalk years ago. I have never missed a payment, or had any problems and thus I've had no reason to ever contact them. My bills come of via my bank account. I checked Equifax and was…
