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[Question] Agreement to pay & getting a mortgage.
Hey there, My wife has an Ap on her credit score and I would like to know how this would effect our chances in getting a mortgage. Thanks!
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Experian unable to verify
I have an account with Experian/CreditExpert which I used to pay a monthly fee for to see my report on a monthly basis. I cancelled this a long time ago however I would still log into Experian/CreditExpert now and then for a glance at my score. Since September for some strange reason it says it was unable to verify my…
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PayPal Credit Defaults - WARNING
TLDR: Bankrupt June 2016, discharged June 2017 and PayPal Credit are still reporting the same default to my credit file - I am now going to war :mad: A slightly longer version of events, as above, declare bankrupt and discharged via a DRO. A debt relief order does not come with a discharge certificate, nor can one be…
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MSE Credit Club Ain't it funny?
Upon checking my wife's MSE Credit Club Credit Report I realised that her HSBC Advance account which she's been using for 18 months now as her main account is simply missing in the report. Ain't it funny? My Credit Report does show my HSBC Advance account.
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Penalised for paying my Credit card!
I have just found out my credit history has been damaged drastically because my wife and I had a £750 credit limit( had £4000 but had it reduced ).didn't realize and was never told that even though we pay it off with in full, because we regularly use over 75% of the limit ( we put all our food and petrol on it) it effects…
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CCJ advice needed
I went to apply for a new credit card and noticed my credit score had gone right down and a CCJ was issued against me. I’d never to my knowledge owed money or missed payments and did not have a letter informing me of this. I contacted Equifax who referred me to the courts, I paid for my file and there was no CCJ against me…
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Help! How to build my credit rating when I’ve lived abroad my whole life
Hi, If anyone out there could help me I would be massively thankful. I am 31 and I’ve lived abroad my whole life. I’ve just recently moved back to the UK and I’ve been declined a basic current account! I first applied with Santander who declined me, I then applied for a Co-Operative Cashminder account who have also…
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Credit Card Cash Withdrawal
Hi I have recently lent my credit card to a friend in need (I am aware this is my fault and was a stupid thing to do) however they unfortunately did what I specifically asked them not to do and withdrew cash of the amount £50. I am devastated about this as I work hard to keep my credit record clean. Can someone please tell…
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Ccj help!
My partner recently had a credit check done and he found he had a CCJ which was issued in Jan 2019 from credit card he had about 8 years ago that he thought was paid off. It was registered to an old address and has had no correspondence from the debt agent. The original debt was £1500 but is now told its £6k due to all the…
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Spelling error on CCJ is my claim ruined?
Hello, My former commercial Landlord refused to give my deposit back, for no reason. He initially said the previous landlord had to money. and I had to chase the former landlord for evidence to proved the deposits were transferred over. in which he did thankfully. I have no idea why my landlord lied or refused to…
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Impact on Credit Score
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Credit file showing 147% of credit card useage
My credit file shows that I am using 147% of my available facility, which obviously seriously affects my credit score. The main reason for that is I have an outstanding credit card debt (originally) to Barclaycard of around £9600, which forms part of a DMP. The default was more than ten years ago, and the debt is now with…
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Credit Score not going up
Hi all, I have a sim only contract that I'm currently paying. I've had it for a few months now but my credit score is not going up and I don't understand why? I have a low credit score and as such cannot get credit cards or store cards. I have Logbox but have only just set that up and am only a month into paying. I will…
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Notice of aborted/failed warrant of control
Got a letter from Lowell. Says "we have been informed that the warrant of control has now been aborted. What does this mean?
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MSE Credit Club Credit utilisation
I have a couple of stoozing cards that were interest free until recently, so I naturally paid one off when the promo ended, and suspiciously, MBNA took 2 months to update my credit file with that fact. Now that they finally have my total utilisation has dropped from ~80% to ~35%, but the Credit Club "interest points" still…
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Gotten myself in a muddle
Hi there - I am a young professional and moving around in London, a LOT, and so I have kept my mother's address for most of my bank accounts [debit and credit] and other things. I also legally own a percentage of the address my mother lives in due to a death in the family, so assumed it would be fine to use this as my bank…
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Remove unused bank account
Whilst I've seen this recommendation across a few cra reports. Is it essential to close and remove any unused bank accounts. I only have hbos to consider. Any meaningful effect on cra reports.
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Check if loan company uses Equifax or Experian
I regularly check my credit rating with Experian and ClearScore (which I think uses Experian data?) Both give me VERY different ratings - it seems because 1 of them takes into account a large car finance that is in my name as a partnership business partner but the other doesn't show it. I am looking for car finance for a…
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CCJ not mine
After years of having poor credit. Mine was finally starting to go upwards. My score (I know it's irrelevant) was starting to improve. And I was being accepted for little things in the past I wouldn't have been given. So all was rosy. However. In the last few months my score began to drop and I was being declined for the…
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Ccj assigned to my file thats not mine
Hi guys heres a real brain melter.... I found out in february this year that i have a judgement against my name that has been impacting on my credit score since 2016,the debt isnt mine but is actually my fathers, we both have identical names and used to live at the same address (my childhood home) i contacted equifax who…
