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My Credit Score Has Suddenly Gone UP by 461 Points...
I just checked my credit report on Experian, and it has suddenly shot up by 461 points. What may have happened? The only thing I can think of is that a debt I had was 'settled' a few months ago and seems to have been wiped off my report completely as I cannot see it anywhere. The only other account I have on there is an…
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Previous bad debt - mortgage advice
My wife and I are trying to get a mortgage but while we have 50k income, no current credit outside of phones etc we are only able to find one company to provide a mortgage at 4.5% I do have a history of bad credit, including an IVA that was settled early in full over 10 years ago. The problem as far as I understand it is…
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Help mortgage application rejected
Hi could somone advise me I had a car on finance 18 months ago never missed a payment. I terminated the contract paid the difference, had a out standing balance of #£500 Which I set up a dd. I thought it was paid gone to apply for mortgage and been rejected as I have 11 months of missed payments! I rang them up n they said…
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CCJ removal
Can someone please tell me how i can find the exact date a CCJ will be removed from my credit file? I know it is six years from the date it was put on but i only have a very rough idea of when that was.
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Channel Islands Credit Checks
Hi I was just curious to see if a credit report in the UK would show stuff from Guernsey and Jersey, and if the UK stuff would show on the Channel Islands Credit reports? Cheers Andy
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Charging Order Creditor Dissolved
Hi, Long story short I had some health issues in 2004, lost my job and defaulted on all my credit. One creditor sold an unsecured credit card debt to a DCA and the DCA got an interim charging order in 2007. One payment was made to the DCA and confirmation sought that they had received the payment under the understanding…
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Live data used for credit check?
Hi all, I'm thinking of getting a car on PCP but am wondering when a credit check is made do the people making the check get data back that is live and up to date? I ask because I had a large balance on an account which was paid in full towards the end of last month but is still showing on my report as the payment was made…
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Loan statute barred?
Hello, I took a loan out 10 years ago as a joint loan which my wife knew nothing about. I have been paying it back through a DMP on my own (now separated). Yesterday my wife received a letter from a debt collection company that I'm dealing with about the loan, she has never been in contact with the company or been involved…
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Credit ratings
Hi, I have been with Clear Score for quite some time now and have watched my score steadily drop month after month despite no negative behaviour on my part. Today I joint MSE Credit Club and my score is massively different in a positive way. Has anyone else had this? Which one do I believe?
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CCJ and fraud
Hi there! Need some advise! So a year ago I discovered I had a County Court Judgement on my credit file, this was a shock because I’ve never taken out any credit cards, loans etc.. long story cut short I found out my mum had used my details to take out a credit card. I had moved address after this happened and therefore…
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Debtors info
Can anyone tell me or point me in the right direction... I’ve had that many loans, credit cards etc in my life and now I want to start to pay these off. However, when requesting my credit file from Experian, clear score etc I know not everything is on there. Can anyone advise me on how I can get to see what lenders I owe…
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Default showing as 60 missed payments on TransUnion/Callcredit
5 years ago I had an account go into default. I came to an agreement with the creditor to pay the full amount owed via direct debit at £99 per month. I've done this and never missed a payment. Equifax and Experian show this as a closed account (closed at the time it went into default, May 2014) and now settled (in June…
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Capital one card to increase credit score
Hiya, I'm not sure if I'm posting in the right place but I just need some advice. The other day I applied for a capital one credit card, the application was initially declined but I have now received an email which says I was accepted and to set up my online account, and have received a pin number in the post. Would it be…
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CCJ now passed to solicitor?
I won't tell you my whole life story but in 2012 lost my job and couldn't pay my debts, life circumstances meant I had to move house a lot too. Anyway loaded my credit report a couple of months ago and noticed two CCJs from 2016 and 2017. I was going to find out how I go about making small monthly payments. I've got home…
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Scottish power.
As a former extra energy customer who’s in credit account was taken over by Scottish power after its collapse, I am now being warned a credit default is about to be registered against me. Has anyone else been chased for money by them, they have all my details except any knowledge of the credit balance. Surely threatening…
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How can I obtain a Credit Report for a debtor who owes me money?
Just looking for advice or to be pointed in the right direction please... Following previous advice on procedures and what documents to use I have successfully taken a builder to Court for money I am owed and obtained a CCJ. This person is very evasive and I believe use of bailiffs is unlikely to be productive. I cant see…
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Credit Karma / Clearscore / MSE Credit Club - Do they show everything?
Hello again, I recently made a post about letters I received / court claim from BW Legal / PRAC financial. Due the claim I received, this led me to check my credit file. I have signed up to the free ones available; Credit Karma, Clearscore and the MSE Credit Club and they are showing no information other than my 3 bank…
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Am I doing the right thing concerning CC
I only have the one credit card and I've read before that it's beneficial to keep a little credit on it. So I tend to spend my shopping or petrol on it and leave around £50 owing each month, when the statement comes in I pay it off immediately, and then repeat for the following month. Is this the right thing to do or…
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Translate help
Long story short, I am set to complete on my first mortgage after years of trying to rebuild my credit report. I complete on monies transfer over 25th September. Woke up last week to a CCJ on my credit file. Basically, the courts fault. An admin error - the case hadn’t been closed properly following sending all the…
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Bank Account Debt from Abroad - Returned to UK
Hello, can anybody help? My husband and I used to live in Canada (Vancouver) until March 2018. We had a Canadian Bank Account as well as a Credit Card linked to that account. Before leaving Canada we were very much in credit and went into our local branch in Canada to explain we'd be leaving and needed the account closed…
