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Credit Karma / Trans Union
Hi, Credit Karma and Trans Union's FAQ is a bit sparse; These searches; Affordability Anti-Money Laundering Consumer Credit File Request Identity Check Quotation/Preliminary Search Can other lenders see them or is it just me and the person who performed the check? I understood that on Equifax and Experian other people…
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Told I have a CCJ by insurance company but nothing on my credit files - help!
Hello I am after some advice. Insurance guy came today - loss adjuster as we have a leak in our bathroom. He told me there is a CCJ in my name and gave me dates, reference number and the property that it relates to (one of our buy to lets). I've got my credit files just now online from all the providers and there is no…
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Link Financial Judgement In Arrears
Hello everyone, any advice would be greatly appreciated! In a nutshell, about 6 years ago, I defaulted on a credit card (Lloyd's) and it went to court, judgement made and agreement made to pay in installments, I don't believe I ever made a payment, they then applied for a charging order, right or wrong, advice online was…
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Showing as a closed account on clear-score
If a debt is showing as a closed account on clear-score and you receive a debt letter does it still need paying? Can they still put a marker on you score if you don't pay the debt? Is it best to leave and not contact if it says closed account on clearscore? Or best to pay?
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credit score dropped 178 because of a mistake?
First of all I'd like to apologise for being absolutely clueless, no ones ever taught me anything about credit scores and such so I'm a bit ignorant. Basically over the summer, I couldn't afford to pay my mobile bill. My data and calls were cut off, but I didn't really hear anything else about it. When I got my first…
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Incorrect default applied
Hi all, Just after some advice. In 2012 I had a bank account which i used solely to pay car insurance from. I went into the bank in mid 2014 to close the account as I no longer needed it. I spent over an hour and half in the branch and eventually was told the account was closed. (I moved address roughly 3 weeks after going…
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Friend conned by an ex boyfriend - worried about her mental health
Hi all, Looking for some advice for my friend who I met up with yesterday and she is not in a good place at all. Around 5 years ago she was with a guy who she let take some finance out in her name. This included: - a car on finance - 2 payday loans (I believe she was guarantor on these and he was the applicant) - a credit…
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Removing defaults and improving credit
Hello I'm looking for some advice regarding removing defaults and trying to improve my credit rating. I made a lot of silly mistakes as a young 17/18 year old taking out overdrafts I couldn't afford and more recently a few years back using catalogues when I moved home. I'm now trying to sort things out I've just qualified…
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Loan due to end
Morning folks I have a 5 year bank loan due to end in December. This is one of my longest credit accounts. Im wondering what kind of impact the loan finishing will have on my credit report? The loan will have been paid back with no late payments which you'd think would be seen as a positive but in turn, with it finishing,…
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CCJ debt ruled unjust
I was issued with a CCJ in 2017 relating to a car finance debt. I was recently contacted by the creditor (Money Barn) and informed that due to a recent investigation by the FCA my debt with the company was found to be unjust. And, as a result, my full debt with them has been cleared (almost £11,000, despite the fact the…
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MSE Credit Club not updating
Hey everyone, as the subject says - anyone else having this issue again? Got sorted last month, but now not updating and saying next update 5th October....pretty sure its now the 9th...
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Low credit score
Hi all.... New to the site and forums , so go easy ... I’ve just returned from living abroad and my credit file and credit score is almost none existent... I’ve got a new bank account with Lloyd’s , and a sim only contract with three....but I can’t seem to get anything else... (I’ve done a eligibility checker for credit…
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Paying back credit with credit.
Hello, new to the forum and sorry if this is a silly question. I was contemplating different ways to increase my credit score, I was wondering if what the outcome would be if I took out finance, and paid the monthly repayments with my credit card, and made then paid off the card in full every month. Would this positively…
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dunigoat
hi ,does anybody have an idea hoe I can build a credit profile I /we have returned a year ago from living in France for the last 12 years,we have always kept a UK bank account not much in it we have bought some where to live (residential chalet park) we have broad band pay council tax and tv licence, cant seem to get good…
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Help with Credit Rating (18 Years Old)
I have done a lot of research myself but a lot of it is US based and I want some help for the UK What credit card is best for me that I can use to build credit? (Shows on all 3 credit report things) What is the best and quickest way to build it? (I heard spend 10% or allowed credit or under) Is it worth having multiple…
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Low Credit Limit Card cancellation
I'm working through rebuilding my credit score. To cut a long story short, my late wife had some serious health problems in 2013 and stopped working which left us both with CCJs and defaults. Those are now clear for me and I'm slowly rebuilding my score and history. I started off with low limit cards with a limit of £200…
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Credit Journey
Hi, i'm on my way to the credit journey (build it up). I'm Self employed since 2010 I got a santander bank account in the ER and got my first CC with Vanquis. Whats the next step, my goal is to get financing for the company to expand (maybe with Amex) but it seems everyone denies me so far. No negs of course on my file.…
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Project;lets get this sorted.
Ok hi guys, so i have had a torrid time with credit over the years but currently i have a few CCJ's etc and im just wondering where i start.. I have THREE CCJ's on my credit file, one from 2019, one from 2018 and one from 2017. On the accounts section i have a few with "lowell" which i have a feeling three of these are the…
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Klarna threatening debt collectors
I bought some ear phones from coolstuff.com in June 2019. They did not work so after emailing coolstuff.com to confirm I could return them I returned them within days of receiving them. The only payment option they had was with the company Klarna who collect money later. I did not hear anything so assumed the return had…
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Double Default
Hi Guys Looking for some advice regarding defaults. Long story short I was in a DMP for years which I paid for. Managed to come out of it this year after getting some money with the intention of offering my creditors a partial settlement. A few of them have accepted my offers and a few haven't so I've arranged to pay a…
