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Improve my credit history?
Am I doing the right things to improve my credit history? I have a virgin mobile contract (which would be considered a high brand model phone) I have a £500 overdraft facility with nationwide (not overdrawn) I have a flex plus account with nationwide. I have a Vanquis credit card for £500 (currently owe £20.90) I have one…
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Hire purchase on one credit file not the other?
So I took out a hire purchase in 2016, paid it all back within 3 months and this appears on both my Experian and Equifax report. My other hire purchase with the same company I took out after I paid off the first, this appears on Equifax but not Experian, is there any way I can get it on there? It has 3 years worth of…
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Will a 1 month rolling sim only contract build my credit history?
Hi, so I was declined a contract phone but got given a 1 month rolling sim only deal for £6 a month, I am wondering if it will help build my credit history? Thank you, Sian
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I have bad credit. Why have I been accepted for a mobile phone contract?
I only have a score of 213 on ClearScore. I know this score is meaningless. Why I have been accepted for a iPhone 11 pro with virgin mobile? Is my credit worthiness better then I thought it was?
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Nationwide current account missing from Experian report
I checked my Experian report and noticed that it didn’t include my Nationwide current account (ie the account that my salary is paid into), only an empty dormant account that I hold with them and the joint account that I hold with my wife. According to Nationwide: “this is because the account was opened in February 2000,…
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Conflicting Info
Hi, I've signed up for a few credit checking services, the free ones and Experian say my score is "excellent" at 967 whilst Money Saving Expert Credit Club, say it's "poor" at 678. I can't find any adverse information anywhere, one of my credit cards is nearly maxed out, that's about it. Limit is £2,750 and balance is…
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MSE Credit Club [Bug] - Score not updated
I usually check my score/report every month for all 3 UK bureaus promptly, however Credit Club sometimes glitches out - if I go check my score on the day my score is meant to update, it does not update for the whole month (the due date gets frozen and so does the score)! And I have to wait essentially 2 months to see my…
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Trying to get a default removed...
Unfortunately in my young stupidity, I racked up some debt with Shop Direct, and then basically forgot about it... Now, back in early August I checked my credit file and was surprised to see a default placed on there from Lowell Financial. After calling them etc., I got to the bottom that it was Shop Direct. The default…
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Very credit account
On Friday evening I applied for a Very account to take advantage of the 12 months interest free and initial % discount. I got through with the congratulations message and was offered a £3000 limit and just had to sign the agreement online. At this stage my phone rang and I cancelled the call, however as I went back to the…
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Bankruptcy hasn't removed all accounts
Hi :-) I filed for bankruptcy a year ago and it has just been discharged, so I thought I'd see what my credit report looks like now! There are a few things I find strange, but for starters, there are 3 accounts with Lowell that still show as active - 1 with payments being 6 months overdue and the others showing as OK in…
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CCJ Satisfied
Hello there, I have recently finished repaying an account which has a CCJ. The account was managed by a collections company. Now that the account is repaid in full, will the claimant automatically update the court that is CCJ is 'satisfied'? Or will I have to use form N443 to apply for a 'certificate of satisfaction'? Or…
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Compensation for damaged credit report
A while back, a well known credit card company messed up my statements, and reported none payment to the credit reference agencies. I reported the problem to them at the time and received an apology via email, but the none payment marker remained on my file. Over time I had other credit card companies reducing my credit…
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Studio catalogue
Hello, When applying for a credit account with Studio, do they do a hard search or is it a soft search ? Thank you in advance.
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Ccj set aside
Hi, So i left m old job and now there saying i owe them wages. The sent two emails about this but it was an email address i don't really use they went to my junk. They also sent letters to my old address. They have also been to court and a got a ccj against me. These letters where also sent to my old address. They have…
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Confused about insurance searches on credit history
I've just had a note that my credit score has been updated. All is good on the score front, but on checking the non-affecting searches I see that over 20 insurance searches were run during the week against me. My car insurance is due soon, but I've not started looking at quotes yet. I think it may be Confused, but I didn't…
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Court documents sent to Mother's and not my address, 'deliberately'
Hello I feel I've been backed into a corner by T-mobile/EE now wholly owned by BT and Lovells(??) their debt collectors. I still have other mobile phone accounts with EE, so they definitely know my correct address. A couple of years ago I got into a dispute with them whereby I refused to pay an outstanding balance which…
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Concern for credit score
Hi everyone. I have just discovered my husband had been gambling and has tried numerous times over the last month to take out online loans with my name as guarantor. All of which he has been denied. I now have at least 12 markings on my credit report and concerned this has impacted on my overall credit score. I never gave…
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Best free credit report
Of all the free credit report services, which one is the best?
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Tracking your credit score
Hello, Just wondered who checked their credit score regularly? I know the credit score itself has no meaning really but it's an idea of how lenders see you. I am paying off debts and saving for a mortgage for early 2021 and I'm hoping to see my score increase every month. Does anyone else do this? How much does your score…
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Ccjs
I have received 2 ccj for the same debt, one in April 2008 with hfc as creditors, and another in December 2014 with lowells debt recovery as creditors. Not knowing I had the initial can I started paying the 2nd ccj, now, having had to go through my finances I discovered my 1st ccj for the same debt and was hoping for some…
