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Credit file & ratings
Archives for February 2019
Discussion List
Is it easier to get a mortgage or credit card or loan
What does everyone think? Is it easier to get a mortgage ( assuming you meet affordablity, deposit and valuation are acceptable) or unsecured lending like loans or credit cards.
Credit Builder Card + Timings
My credit report is in good standing with the only 2 negatives being that I am not on the electoral roll and that I have no credit card. The electoral roll is not getting updated until 1st March, we have applied but apparently that is the first instance we can be added. We will be applying for a mortgage AIP in…
CIFAS marker from littlewoods!?!
Hello everyone, I'm hoping someone could give me some advice please! After years of wondering why I couldn't get a basic bank account or any credit, I recieved my SAR from CIFAS today. I have a first party fraud marker that has been filed by Shop Direct Finance (littlewoods) on 14/07/2014, Reason for filling is Evasion of…
Setting aside a CCJ
(Forgive me if this is answered elsewhere) I have a CCJ that is 3 years old (16/1/16) for £501. Had I known about it, I'd have paid or attended the Court hearing. The CCJ was set against a flat that I had sold 3 months before so, I think, that I should have the right to set the CCJ aside. Also, the debt was over 6 years…
AR/AP markers ruin credit file for friend.
Was talking to my friend last night, He said he was rejected for a credit card and was a bit suprised by this as he has never missed a payment on a CC. He asked me to look over his credit file which I was happy to do. I noticed a year ago he has a bunch (many many months) of "AP" markers on his file for two credit cards.…
Universal Credit - reported to credit reference agencies?
Hi, when a person receives Universal Credit or other benefits, is that reported to the credit reference agencies?
Could I go from very poor credit rating to good in one year?
About 6 years ago, I became a single mum and had resulting negative credit events. My score is now very poor. The things affectin my score are three settled default accounts, one open default, maxed out credit cards, and applying for multiple credit accounts in the last three months. However, I have successfully challenged…
Renting - satisfied CCJ
Hi all, Recently paid off a CCJ which reared its head many years after a foolish financial period. Long story short - I am going for a viewing for an apartment with my GF in the next few days. I have noticed on the 'fees apply' section that they run an independent credit check. It is sure to show my (now satisfied CCJ).…
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