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Setting aside a CCJ?
Hi all, Long time reader - never posted. First off, I've read the various guides to dealing with the application to set aside the CCJ - but I thought I'd run my predicament by the various gurus on here to see what the consensus is. In Sep 2009, I took out a mobile phone contract with a provider. Long story short, I never…
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Virgin money credit card help please.
Hello, I’m sorry if this is a ramble I’m beyond panicking and not sure what to do. I had a virgin money credit card and haven’t been able to afford the minimum payments so haven’t been paying it for the last 3 months and burying my head in the sand, I’m so embarrassed. I’ve logged on to make a payment today and it is…
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Money transfer card AND a new balance transfer card?
Hi :) I’m trying to get my finances sorted Pre-Brexit.... My 0% finance for kitchen is due in November and I’m looking at a money transfer card for to top up my savings to pay the balance off. BUT my credit card 0% limit also runs out early next year so I’m wondering if I could apply for money transfer card for kitchen and…
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How to get all late payments replaced with defaults
Hi all looking for advice please. So 2 and half years ago I had 3 creditors that I entered arrangements to pay with or self managed DMP. 2 of the creditors have logged AP against every month and 1 creditor logged a default. The lender who logged default reversed this and changed every month to a late payment marker. These…
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Number of credit cards and Credit Rating
I am new to MSE forums but thought someone may be able to assist with a query I have. I have 17 credits cards with total limits of over £70,000. I am only using about £10k with 0% balance transfers which should be paid off by the end of the 0% rate. My question is, should I close some of the accounts down? I have seen on…
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Brief dip into unarranged overdraft - impact on mortgage application
Hello all I have standing orders set up between a few of my current accounts such that normally one account receives £300 on the 24th of each month and then pays £300 out again on the 27th of each month. Unfortunately with the bank holiday weekend, the £300 SO into my account was delayed until today, which is the same day…
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No win, no Fee - Equifax data breech compensation
I just found out that compensation may be due to those affected by the Equifax data breech: https://www.hayesconnor.co.uk/equifax-data-breach/ I had a letter from Equifax saying my data was part of the breech. The solicitors above speciliase in no win, no fee. They say: If successfull.... "This 'success fee' is taken from…
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New credit file
Hi, I have terrible credit right now, I have made this plan to improve my credit over the next few years. I wanted to know what the veterans on the forum think. I am not advertising for any of these services, just wanted to know your thoughts. Obviously the assumption is that everything will be paid on time. () is the…
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Various questions about improving credit
Hi there, I am aiming to improve my credit as I would like to move out within the next year or so (most likely renting) and don’t want my debts to affect my chances of being able to move out/buy a house with my partner in the next few years. Due to a few years of silly mistakes, I have a total credit limit of £7000 across…
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2 entries on file for 1 debt
I have an entry for cashplus showing 4 years of red square with 3 in it with no default date and a green settled in 2018. ( Have had no dealings with them over the years) Then I have a Lowell entry with a default date of 2015 and an amount outstanding for the same debt. So 2 negative entries for same debt. Any chance of…
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Best steps for credit file recovery?
Hi all, After a marriage breakdown a good few years ago now I found myself struggling financially. I went from a married man with two incomes to a single parent of two kids on one income. So now i have two amazing kids to whom i am the world and we have a million happy memories.....but i also have 11 defaults, £20k of debt…
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Frequent address changes - a problem?
Hi I am a graduate and I’m in a graduate job. I rotate every 6 months and each rotation could require me to move from one city to another. I’ve been at my current address for 6 months and am registered to vote there. I’ve found out I will be staying put for the next 6 months as well. I have a graduate current account…
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Do certain mortgage lenders use certain credit agencies
Hi all, Started a new thread for a different bit of advice needed. Basically looking for a mortgage and have certain things in my credit history. Experian gives me the best score as there are 2 loans not showing on there. Credit karma shows me in the worst light as it has these other 2 payday loans that were in an…
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Recently been accepted on Electoral Role. Advice needed
Hello, I applied to get on the Electoral Role. All went OK and I got a letter from my council accepting me. It says my name will be added when the council next update their register in December. I have a some questions about this. Does my credit report address update before that ? and also how long do I need to be on the…
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Credit file after DMP mortgage options
Ok so apologies for the long post and thank you for being patient here with me. The history is end of 2015- start of 2016 I split with partner some financial issues which resulted in me taking out payday loans. I took a few out and once I started that I was then needing more and to roll over and borrow from different…
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Will this improve my credit score?
I was slightly cheeky and spent lots of money on 0% credit cards so i could free up money for a house deposit (a buy to let one, which nets £700/month profit). I stupidly never thought spending so much on the cards (£15k) would affect my credit score and I've been monitoring the scores with the different agencies very…
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Balance Transfer Cards - repay and close or keep cards open for best credit rating?
Looking to get my credit in the best position for when I remortgage in around 6 months time, and I'm not sure whether it's best to minimise my available credit, or my credit utilisation. I bought a car last year partially on debt which I spread across several interest free money transfer / balance transfer cards,…
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Mortgage not on 2 of the 3 credit reports - is that an issue?
Hi, was wondering if anyone could give any advice please? I didn't have a great credit history to start with because I was young, impulsive & no real clue about budgeting & money, but a few years back I pulled my socks up, started doing my best & stopped using my credit cards for living on, stopped robbing peter to pay…
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Credit Report
Apologies if this is a daft question but do banks see credit files in real time, or as at the last update as we see them? I only ask as i'm in the middle of buying a house and with all the fee's that are being paid out and need to be paid out, I'm a little insolvent atm It's my sons birthday in a couple of weeks though, so…
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Issue with MSE Credit Club/Experian
Hi Is there an issue with Experian or the credit club at the mo? I’ve logged in following an email alerting me to a change in my score to see it still the same but no active credit info showing. I tracked my score monthly last year, early this year because we were applying for a mortgage so I know the info was there but…
