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entry on clearscore report
So having got to look at my clearscore report for the first time, I find I have an current account with Cahoot opened over 17 years ago, which I'd long forgotten about/ thought I'd closed and it has an address listed against it that I've not been in for 14 year. Anyway it has am overdraft balance of £11 and against the…
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Eon and Lowell - help please
I have never been in debt and have always paid my bills on time so have been really rattled to receive a letter from Lowell informing me that E.on sold my account to them and I owe over £300. I did live for a short while at the address they give, but it was over ten years ago and I cannot even say for certain that E.on was…
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CCJ and Credit File
I was given a judgement against me in January last year and since then have paid the agreed monthly payment every month. My question is.... when I have finished paying it off in another 14 months and I have the opportunity to ‘satisfy’ the record on my credit file, will the 6 year cycle start again? Or will it roll off my…
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Spousal Soft search from Shop Direct
So my other half has ordered some clothes from H&M online and in the process created a Shop Direct credit account in their name. How do I know this? Because Shop Direct did a soft search of myself with Equifax... Since I'm not a party to the account, just a financial connection, this seems a bit excessive. Thoughts?
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CCJs been repaid in full but not marked as 'satisfied' on my Credit File
Hello. I wonder if anyone can reassure me, in my current situation. I am in the process of applying for another long-term private rental. I have an excellent private rental reference from my previous landlord of 3 years and I currently earn just under £50, 000 as a teacher of 20 years. I had informed the estate agents who…
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More “score” brainwashing by the media
Seriously do they not run these posts past any professionals before hitting publish? “Each agency will give you an individual score. Lenders look at these credit scores when you apply for a loan or mortgage. A bad score can scupper your ability to get a loan, or may result in you having to pay a higher interest rate.” Come…
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Just found out I have a CCJ I knew nothing about - next steps?!
I would like to curl up in a ball and cry right now! I will try and keep this short! I left the UK in May 2014, went backpacking around Australia with my Fiancee, he was nice enough to ditch me on my birthday and left me in the middle of a Vineyard, I survived and ended up going to New Zealand where I have been living for…
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Next limit
Hi all I had an email from next asking if I would like to up My limit from £3750 to £5000 . I barely even spend £100 on the account never mind £3750. I currently have a limit of £2500 on clarity cc and £3000 on Barclaycard. No mortgage as of yet but will be looking to in the future. I have no ccjs or late payments or…
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Credit Score lowered by opening Current Account?
Hi All, I've done some research online and seen some conflicting reports about how opening a new current account with a bank will and won't impact your credit rating. However, I've not seen a definitive answer as to why it would lower your credit score. Now, I understand if a hard check on your credit report is conducted,…
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Default added
Hi all, Missed payments with TalkTalk. No notices of s default sent to me. Spoke to the advisors who said pay £170.53 and the default would be removed. Every advisor I spoke to said it would be removed but has not been removed. Emailed the CEO who gave it to their assistant who said nothing can be done. Is this right?…
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Pay for Delete or improve Report
Hi everyone. I was really hoping for some advice as I have am issue i really need to sort on my credit file for a new credit application I need to make. In 2011 i entered a DMP. I was issued defaults from the creditors as normal. Those have all since been removed from my file after the 6 year period. However two creditors…
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Credit Rating Loan
Hello, my son has taken out a small loan £1800 over 2 years in order to improve his credit rating, but plans to pay it off early before the 2 years are up. My question on his behalf is - how long should he keep the monthly repayments going before he pays it off in order to boost his rating? Will paying it off early affect…
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Stolen Identity
Hi all, my partner has received a worrying letter from a water company in the north of England asking for almost 6k unpaid water bills. He’s never lived anywhere other than Hampshire so he called them and they’ve told him that the person living at the address gave his details and has lived their since 2013! He’s dealing…
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Experian report
Hi, What does it mean when it says current status is default/ended but it also says the account has been settled? I have accounts that say the status is default/ended but also have the settled date as over a year ago?
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Query on credit file - Help
Hi, I am in dispute with someone about a single late payment. I have been in dispute for the last two weeks and they will not budge. Ive been back and forth and i am adamant the marker was placed incorrectly. However the final response letter states they wont change it but they said ' i have requested the team to place a…
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Removal of CCJ Scotland When Creditor Has Admitted Wrong doing?
Hi, I took out a car loan with Moneybarn about 5 years ago, the deal was over 3 years. I tried to hand the car back after half term when I ended up out of work but at the time they refused. I ended up defaulting after this and it went to court where I ended up with a CCJ. I cleared the outstanding debt in March this year…
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Wrong date of birth input when applying for credit
I am wondering if anyone can help me please. I applied for a new mobile phone/contract online... I then received an email back advising my credit had been refused! After speaking with Vodaphone they advised that in an 'admin' of mine I accidentally put my date of birth wrong! DOH! What I would like to know is whether this…
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Monzo - Cash Withdrawals
Hi again, I've recently taken out a Monzo Account to get tight with my finances. I really like what I see so far but I've realised it appears to appear like a credit card rather than a debit card, so my question is: Will withdrawing cash from it affect my credit rating? Regards James
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Vanquis Credit Card
Hi all, I took out a Vanquis Credit Card 5 years ago to repair my credit. I no longer use it but it's my oldest credit account. In terms of my credit file will having a Vanquis account affect my credit rating in a negative way or will keeping the 5 year old account open be more beneficial? Regards James
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CCJs on credit file.
Ok, so this is going to sound like the stupidest question, but I am going to ask it anyway! Can you have a CCJ and it not show on your credit file? The reason I ask is this: in May 2014, I received a CCJ that I have been paying, at the agreed amount, to Optima Legal every month. Last week I had an email from Robinson Way,…
