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Improving Credit Score.
Morning All, I have not used this site for more than 12 months (possibly 18 months), so if I am repeating a previous post then apologies. I was randomly in my bank last week, discussing options, when the member of staff I was dealing with suggested that closing 'credit' accounts that are not used would improve my credit…
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Difficulty accessing UK credit report after returning to UK after living in EU
Hi all! I have just returned to the UK after living in the EU for over 6 years! Currently living with family and starting a new job next week which has a good salary. Hoping to get a mortgage with my partner, who also has a good salary, working on a contract basis for company based in EU (paid in swedish kronor) He…
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How does electoral registration information get from councils to CRA's
Does anyone know the technical details of how the electoral registration information gets added to your credit files? TransUnion has my registration down as ending in December 2018 with no current registration which I can't explain as the annual household enquiry was completed in August. Experian and Equifax are both…
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Mortgage after DMP
Hi New to the forum and hoping for some advice. My DMP ended in February. I am now debt free after 8 years. I live with my wife, the mortgage is in her name only. We are now looking to move house and are hoping to get my name on the next mortgage as we can afford a bigger house with me on too. Does anyone have any…
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Closed Bank account with credit
Hi just looking for a bit of advise. I had a joint account with my partner. It had a £2k overdraft that . My partner then ran into a bit of trouble with debt and she entered a protected trust deed that she is now 2 years into. Problem is I went to renew my phone contact and failed a credit check. I have never really had…
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Credit Card debt in Southern Ireland
Hello - I have debt on a Credit Card from when I lived in Southern Ireland. I moved back to UK in 1994 and in 2011 I was unable to keep up the payments, so have been paying them £50 a month since 2011. Does anyone now if there is a time limit on making these payments and if there is an option for the debt to be quashed…
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Any help much appreciated...
Hi, first-time poster here. I've been reading a lot through the MSE forums and i bow to your knowledge :beer: I have a few letters from CCA's which iam trying to deal with. These are in regards to: Capquest ( for an Egg credit card taken out in approx 2009) Lowell ( a Littlewoods account approx 2009) Cabot ( a Capital One…
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Affordability on MSE Credit score showing as low
Just a quick question I'd appreciate if someone could help me with this.... I am looking to taking a loan out to buy a car, we have recently bought a property last November but myself and my partner's credit score is back in the good section as it stands. Our affordability for Credit Cards and Loans shows as very week…
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Credit club score update glitch
Has anyone else had issues with their credit score not updating in credit club. I'm aware that my score won't necessarily change each month but I've paid over £3000 off my credit cards in the past month so would expect a change. This happened to me once before also. As it's the 10th of the month and I still hadn't received…
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Trying to improve credit score for mortgage
Hiya, apologies if this is the wrong place for this! Needing some advice on building credit score for mortgage application in a few months time. I am currently private renting, but moving back in with my parents to save more towards our house deposit, so will have much more disposable income come May. My current situation…
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Noddle / Call Credit
Hi all, Found out there was no electoral roll recorded on my Noddle (Call Credit) report. I opened a dispute, contacted my local council who confirmed I was registered to vote at my current address, forwarded the email to their dispute team but haven’t heard anything since, and my report has still not been updated. It’s…
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Equifax Updating Disputes / NatWest
Hi all - first post here. Long story short: I applied for my first ever mortgage with Natwest, got an AIP, passed all affordability checks and even paid for a surveyor to value the house - it felt like i was 99% complete in the process when out of the blue i was called by the underwriter to tell me my application was on…
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Sold Credit Agreement Help.
Hello, does anyone know if it is mandatory under the terms of the CCA that a creditor has the mark the account as a 0 and settled/satisfied once they sell it to a DCA irrespective of what action the DCA choose to take or not take, in this case not bother pursuing the debt.
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Free Credit Reports
Hi everyone Which sites do people use for their free Credit Reports (not interested in the scores as they mean nothing) Currently using MSE Club for Experian Clearscore for Equifax Noddle for Callcredit Are these the better free sites to use? Thanks
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building credit for US expat
I am a US citizen just starting a 3 year visa in the UK, with the intention of staying indefinitely. I am interested in building my UK credit score as I understand it does not transfer from the US. In the MSE Credit Club FAQs, it says I must have UK addresses for the last three years (which I don't). Are there other ways…
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Reporting Defaults (Timescales)
Hello, without going into all the detail. I just wondered if someone can specifically point me in the direction of information relating to the time scales if any that govern DCA reporting defaults on a credit file. Thank you.
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Linked addresses
There are lots of incorrect linked addresses on my credit file. Some are clearly just errors (wrong house number) and one is an address I have never heard of. I have queried each of these with Experian and they have come back on each and every one of them stating that the company associated has said the information is…
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Vodafone Default on my Credit Report
Hello, I am hoping the vodafone rep picks this thread up as I have struggled to contact them. A bit of background: I had a Vodafone contract from 2008 pay monthly. In 2015 I rang up to cancel my contract and paid off my outstanding balance. At which point I thought was the end of the matter and I cancelled my direct debit…
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Fraudster took out card in Mrs name!
Last week, MrsB had a card through the post "here's your new card from Nat West for account ending 4567" I didn't bother too much about it at first as we have four Nat West accounts, but, when I got round to checking ... none of our accounts end in 4567! I phoned the number on the bottom of the letter and long story short,…
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Will I benefit from a Credit Card?
I have worked hard and managed to pay off all 3 of my credit cards and close the accounts, as well as all finance agreements (Argos, Simba mattress etc) except my Car finance. I currently only have an arranged overdraft on my current account of £1000, and i'm £800 into it with a plan of paying this off over the next 6…
