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Want mortgage and have good credit score but still paying PRA Group
Hi everyone I have managed to get my credit score from very poor to very good after years of working at it and old debts 'dropping off' my credit file after 6 years. I now want to apply for my first mortgage but am concerned about the fact that I am still paying PRA Group £15 per month who took on my debt from a Virgin…
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AR on my credit file - Help/
Hi Guys I was looking at my credit file and for some reason one of my old closed accounts shows AR. I dug deeper and its an old bank account. In 2013 EQ have it as AR for two months and Experian have it as 1 missed payment and then OK for the next month. This is confusing - Ive never enetered an AR with anyone. This is a…
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Would getting several credit cards to get their referral bonuses damage my credit rating?
I know bank switching pays however damages credit rating. I noticed many credit card companies pay you if invited to join and I was wondering if this'll damage credit ratings? I planned on getting the joining money then not actually using the credit card. I won't leave them either.
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Can I get CCJ set aside
I discovered a ccj in my name in June. Contacted Lowell’s as I did not know about the court proceedings and I did not recognise the debt. Turns out the debt is from a BT account that I am certain is fraudulent. I have had loans taken in my name at the address the account was opened/ registered to. The Claim form was sent…
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Moving house and most of my credit accounts have disappeared from Equifax
I have recently moved house and my Equifax credit report is no longer showing 10 of my 15 credit accounts and has no reference to my new address. Experian and Credit Karma (TransUnion) are both showing all 15 of my accounts and are correctly showing my new address. I also requested my statutory credit report from Equifax…
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Affordability score on Credit Club
I am somewhat puzzled that in the Affordability score section it says that we virtually have no disposable income when we have quite a lot. How is this assessed as I am aware they can know our utility payments and we have declared our rent and income? Each month we like to start with a certain current account balance and…
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Glitch in Credit Club scores?
Morning all. I'm 99% this is nothing to worry about but would like to be sure! Just checking the Credit Club before putting in an application for further borrowing on our mortgage. The data file looks faultless: all of our repayments are on time, credit utilisation is at 13%, and we know that we have a LOT of disposable…
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CallCredit have written to my bank
Received a letter from my bank ststing a Credit Reference Agency called Callcredit have written to them with information thats made them concerned that I may be struggling with my finances! I have no intention in writing to CallCredit for a copy of my credit report. Who are Callcredit and why would they write to my bank? I…
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My Experian rating keeps dropping
Hello, I've been using Experian app to check my rating for some time already and my rating was over 940 points, until in July I decided to switch banks for my current account from Barclays to Nationwide. First time my credit score dropped a bit, I thought that was due to the credit check they did when I applied for the new…
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PayPal - Friend's debt?!
Hello! I've just received a letter through the post from Westcot, who are attempting to recover the PayPal debt of a friend (£134.00). I am no longer in contact with this friend, nor do I know where he lives, but it seems like he's put my address on his PayPal account (I've lived here for a long time, he knows my address).…
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What do lenders see with a soft search?
So I know the difference between a soft (or "quotation") search and a hard search and how they impact or don't impact your credit file. However, When a lender does a "quotation" search. What do they actually see? Do they see your credit accounts? who they are with? your repayments? or do they just verify your name? I can't…
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My lloyds bank got suspended!!
Hello. About a week ago i have received around 3,800£ in my account from a person that I don’t know it personally because it was from a videochat he was trying to tip me with some money through the website but he said he can’t so he ask me for my sort code and account nr to tip me.. i was expecting some small amount abt…
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Paypal - credit rating and recovery?! Help desperately needed
Hello, I am completely new to this so please forgive if this subject has already been discussed. In July 2019 I sold an antique vase to a buyer in China, for a total sum of £8,000. This was a life changing amount for me and my family and it enabled us to become debt free for the first time in our lives. The buyer paid me…
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Cifas Marker and CRA's
I know that a CCJ would appear on a CRA report, but if someone has a CIFAS marker, would it also show up on a CRA report?
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Temporary address - electoral roll and CRA
Hi all I'm (hopefully) going to exchange soon on my first house purchase. Unfortunately, I need to move out of my rental accommodation in the next 2 weeks, likely before exchange and certainly before completion. I will be temporarily living with family in the interim period. I'm on the electoral roll at my current address,…
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Payday loans on credit file
I stupidly took payday loans in the last year of my degree to help with childcare costs, without thinking about the impact on my credit file. They were paid back on time, and no payments were missed. I’ve just checked how they are recorded, and noticed they say ‘unsecured loan’. Is this as much of a problem when applying…
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Trying to improve my rating and failing
Hi Everyone So, when i was in my 20s i abused my credit completely, and ended up in a bad way, i ended up with 6 defaults on my profile Now in my early 30s i wanted to do something about it, around a year ago i went through every debt i had and paid it in full, as i was fortunate to inherit a reasonable sum I paid…
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PayDay and Short Term, what's the difference, if any?
Hi, is it correct that companies like Sunny, Peachy and QuickQuid offer PayDay Loans (which I understand is surely not good on the credit file) and companies like Satsuma and !!!!!!!!!!!!! offer Short Term Loans. If so, what is really the difference between them (other than any difference in T&Cs)?
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Use card/loan credit or overdraft?
Hi, not taking into consideration the interest rate, in the view of possible lenders when checking the credit file, is it better to use credit related to cards/loans or current account overdraft facilities?
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CCJ in my Mum’s name
Hope someone can help or advise! I’ve recently noticed that I have a CCJ placed on my credit file. I phoned Experian who were able to give me the court details etc. Since then I’ve been so worried and wondered what it could be for as I’ve always been very good with credit and money in general. I’ve not received any letters…
