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CCJ status
Hi, I'm just wondering how much a CCJ status affects my credit rating. I have a CCJ from 2015 that I'm still paying off - around 14 months of payments left and just over 2 years left on my credit history. Would paying this off now... or at least more quickly, improve my credit rating much? To note I also have a few…
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improving credit rating with ccj
Hi all, i really need advice on how to boost my credit whilst paying off a CCJ! It will be paid off within 6 months and is classed as satisfied but would really appriciate help on how to boost my credit score Thanks in advance. x
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PRA Group - Credit File
Hi there, I’m currently on a DMP with StepChange and have been since 2011. PRA Group purchased bad debt from Barclaycard and have listed it on my credit file. Checking my file Barclaycard never registered the account as defaulting just late payments before my DMP kicked in. However is this still a default and are PRA Group…
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Credit search agencies can’t find me....
I’ve been overseas for many years and of the electrical roll for those years. I re-registered on the electrical roll just over a year ago so I should have some history. I’m however registered at my parents house and I live in a HMO (share house of many occupants). Before I call Experian etc what address should I use and is…
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New mortgage next month, will % finance affect it
Hi I'm moving into a new house at the start of April and have a mortgage offer secured, paperwork done and completed, missives concluded etc (live in Scotland). I have some cash in the bank for unexpected costs but I've put a deposit on a new sofa, £900, and they want me to complete the financial paperwork so that I can…
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Breach of Credit Consumer act?
I held a Very account that was inactive. I asked for it to be cancelled and was assured it would be in November 18. I recieved a letter this week advising if I didnt use my account it would be closed. The advisor has agreed that the account was not closed when it should have been so I believe this is a breach. Any scope…
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MSE Credit Club
Hi My new credit report generated today which is great - however my score says it should have updated on the 19th...and it is still showing the same score from feb. It still says new score should generate on the 19th march... Does anyone know when this will update or is there an error at the moment? thanks! :-)
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Overdraft - what’s the best option for credit rating?
Good morning, My husband and I are hoping to get the ball rolling for a mortgage in the next couple of months. We have the money to clear off our overdraft but wanting some advice on whether we’re best to close the overdraft or just pay the money into the account and leave the over draft available? My preference would be…
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Lowell Default
Hello, Dont know if im in the right location. I received a letter from Lowell the other surrounding a debt of over £2000 that has now defaulted. I had no knowledge of anything in relation to this. Upon contacting, Lowell it turns out that a Very account was made in my name with a different address. I have also become aware…
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Happy but feeling cautious
I have a bad credit rating but my financial situation has, thankfully, got back on track. I have seen in many places that obtaining a credit card and paying it off every month can and will make a (relatively) quick improvement to my score but I'd like to know..... Do I use my new card right up to the limit each month? or…
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Timeframe for resurrecting credit
Hello, first time poster here. My credit rating is Very Poor : 483 on Experian. 3 years ago my ex walked out and my finances went completely to hell. My youngest child who has autism was excluded from school which severely restricted my work ability... yadda yadda,,, catalogue of disasters like a Country and Western song I…
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MSE Credit Club
What if any impact will registering for MSE Credit Club, I believe you have to submit a card for Identification, is that the case? Thanks
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995 experian, 365 equifax
Hi All, My first post here - I'm hoping for some help with my credit rating. I have a score of 995/999 on experian :) but a score of 365/700 on equifax. There is nothing bad in my report from what i can tell and I'm not on the CIFAS list. Is it normal to have such a perfect score on one and such a comparatively appalling…
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Default Without Default Notice
Hello Everyone, I was wondering does a bank have to provide you with a default notice prior to registering a default. Thanks in advance
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Default Without Default Notice
Hello. Is it legitimate practice for creditor to add default without issuing a default notice. Thank you in advance.
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Dissolved Creditor on file?
Back in 2015, I got a payday loan from WageDayAdvance. (There's some iffyness surrounding this since I never saw and never knowingly signed a credit agreement, but the money appeared in my bank account and I did use it...) WDA are now in administration. According to the information on their website only "a proportion" of…
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cifas marker
Hi just wanted to check something......an application was made and my used my partner's email address (having problems with mine) could this result in category 3 or 4 marker? Probably over thinking it but i was stupid not to open another email address! Thanks in advance
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Credit rating help needed.
i’ve recently just found out my dad has taken out a credit card in my name 3 years ago & not paid it. i now have a ccj in my name from june 2018 that i’ve just been made aware of and have started to make payments on it. i’m hoping to get a joint mortgage with my OH in a few years time but i’m terrified this will effect it.…
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Credit score when returning to the UK
Can anyone advise if there is a way to boost our credit score upon returning to the UK after being in France for 13 years? We have been back on the electoral roll since December 2018 after purchasing our home in Scotland. We have recently been declined credit for a sim card only contract of £5 a month. We had excellent…
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MSE credit club & Experian
Hello. I'm a bit puzzled regarding my Experian score. It's 807 (fair 3/5) and I don't understand why it's so low. I have no missed payments, no defaults, no credit card debt, I'm on the electoral roll at my current address since 2012. Experian shows 10 open credit accounts: * 2 credit cards with limits £7000 and £3000…
