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Credit Report/Maintenance Questions
Just a few questions about CR and CRA, 1 - How many monthly credit commitments/accounts do you have? This includes bank accounts, mobiles, etc etc I currently have about 5 mobile contracts with the smallest sim only costs, i.e 3.99 per month. I basically dont use them at all am just trying to boost up my CR by having many…
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Unsure what to do to help friend with debt/Lowell
Dear All, I wonder if you could give me some advice. In September last year, a friend of mine who had a gambling problem took out a contract for a phone with 02 via Carphone Warehouse. He quickly worked out that he couldn’t afford the phone so about a month later we returned the phone (still sealed in box) to Carphone…
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Remortgage - Credit check failed
Hi! This is my first post on MSE and was wondering if I could get some help from people wiser and more learned than myself. I am in the process of remortgaging. It's a help to buy that has matured now and the property developer is putting some pressure on me to complete so they can have their 25% back. I am keen to get the…
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Electorol Issues Urgent Help Needed
I find myself in a situation in which i am not sure how to deal with. Long story short i moved address about 20 years or so ago. Before then i only lived at one other address. On my credit report one letter of name is mispelt i.e if my name is Adam, it is spelt Adab. This only shows up on my previous address for one year…
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Cash withdrawals with CC
Hi everyone I am abroad for long periods of time, so I use the clarity credit card to withdraw cash (paid back the same day so no cost). However, I saw here http://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-record that its not good for your credit report to withdraw cash with a credit card. Does that…
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Advice regarding Fraudulent activity - effect on credit rating
Long story short, my mother moved house about December 2017 and recently we have been made aware that there has been some fraudulent activity in her name. 1. Argos store card - which Argos did pick up and managed to make contact before approving and resolved it before any money was involved. Said they would place my mums…
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Can I have this default removed from credit reference file?
Hi I have taken my head out of the sand the last few days and had a good look at mine and husbands credit files. We have paid off £17,880 of unsecured debt since 2008 after getting into a lot of financial trouble. We have £7,990 remaining. We have a DMP with StepChange. I have been preparing CCA requests to the 3 remaining…
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Experian score jumped up 397 points
I haven’t done anything out of the ordinary, bank account is always in credit and I pay more than the min payment off 2 credit cards and regular bills are always paid on time BUT... My Experian credit score has jumped from 511 (very poor) to 908 (good) in one month. 397 points! Although this is good I’m wondering how such…
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New record
Hi, in January this year I was alerted by Experian that a new record had been placed on my account. When I looked at it, it relates to a British Gas account, opened in 2009 and the last payment I made was September 2012, and they are claiming I still owe them money. The also claim paperwork was sent out in March 2013 to…
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Credit ratings
So I’m trying to get the ‘perfect’ 999 score on Experian - I have a default that is due to come off in 17 months (naive, stupid student days) so appreciate it’s not going to happen until that is spent but just wondered wig anyone has any tips. Do you pay cards in full every month? Do you let a little carry over? are…
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Residence status and credit
this issue is now solved
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Cancellation of Direct Debit by Partner in error
Hi There, Posting here for the first time and need some genuine advice to help my case Both me and my husband had individual credit cards in each of our names with the same bank and both our individual direct debit set up was from the joint current account with the same bank as the credit cards. However in Mar/Apr 2018,…
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Previous Credit Scores?
Hi there, apologies if this is obvious. I have googled it but to no avail. I can access previous credit reports on my credit club file but can’t seem to see what my score was in previous months. Basically, I think it has improved but I’m not certain. How do I check? Thanks
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Credit Associations
Hi! I don’t know who to speak to about this issue. In December I tried to get car finance with my mother as a guarantor which we never ended up going through with. I was trying to get a student credit card recently to boost my credit score which I was declined so I checked on Equifax and it said she was a credit…
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What happened to Credit Solutions
I'm paying off an old debt to Credit solutions following a negotiation handled by Citizens Advice Bureau. I know I must be coming to the end and so want to check the balance. On researching CSL it seems they no longer Exist - have they been bought/merged? And who is my money going too now? I could just cancel the S.O to…
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Invisible Markers on Credit File
Hi all, Myself and my other half have had an offer accepted on our dream first home! Our broker applied to Halifax and it was denied based on credit score. We both have good credit scores and no negative markers on either 3 of our reports. Nonetheless, our broker put us forward to Saffron BS and they also declined and told…
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ID fraud discovered through Klarna transaction
Hi Im hoping someone can help me with a few questions about "cleaning up” after discovering that my ID has been used in a fraud. It's the first time its happened to me and I found a lot of ambiguity in the process that isn’t explained in the guides I've read. Background I recently received by post an overdue payment…
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CCJ 6 year period?
Good evening, I’ve got a ccj on my report for £5000, it is showing as satisfied and the judgement date was June 2013 with a satisfied date of June 2014. Is it the judgement date or the satisfied date that the 6 years is calculated for it to be removed from my report. Do I need to contact any one to tell them it has been 6…
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Advice needed for Incorrect active CCJ ,being chased for a debt by CAPQUEST, an unusual credit file.
Hello folks! Looking for some advice on an unusual situation.. I received a letter from capquest when i visited my parents this weekend just gone, it was dated feb 22, no other letters, saying they had purchased an account from a company called drydens fairfax who managed it previously i guess. They are asking for a sum of…
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Hoist Portfolio Holdings...Barclaycard.
Good Morning. My partner has 2 defaults on his Credit Report...relating to his Barclaycard Credit Card (Which he has paid off) He had one credit card and paid it off...(Although late). On his credit report it states that he has 2 defaults one for £225 and the other one for £950 he's had no correspondence from these people…
