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Scottish Power Default
Hello all, I'm hoping I can get a little bit of advice here please. A quick overview of the situation is below: I moved into a new rented property in March this year. Both Gas and Electricity were supplied by Scottish Power. We wanted to move to Bulb so did the switch, the final switch happened mid April. We received a…
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Monzo credit report
Hi everyone, I've had a Monzo account for a year, and am thinking about applying for the £1,00 overdraft. However. as I've just opened a credit card, I'm reluctant to do so because I fear Equifax and Experian will mark it down as a new account. I don't want it to look like I'm struggling because I'm opening 2 new accounts…
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Late payments, I've had a few BUT now...
Dear all: Sorry for the pun on what could be a serious topic: Right, I have posted a few times on these forums so I don't think I need to go into a load of details about my financial history as it would be repeated and boring. In sum, for approximately a decade I was financially irresponsible, not for irresponsible reasons…
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Can't get credit and don't know why
Hi all, I'm looking to get a loan for a car and struggling and I can't figure out why. In terms of credit I already have access to, I have a small overdraft on my current account which I sometimes go into in any given month, but I don't stay in it, and I have a credit card with a relatively small limit on, which, to be…
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Experian Boost (New US product?)
Was watching an episode of a US TV show last night and there was an advert for Experian Boost. https://www.experian.com/blogs/ask-experian/introducing-experian-boost/ Don't think it's available in the UK, but thought some of you might like to have a look and berate them :) Here's some ads :…
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Five years down the line
we defaulted on all our debt 5 years ago but used CAB to set up DMP and have kept it up to date. In the last year we've picked off all the smaller debts ( under 5k) but still have some big ones running. What happens at the 6 year point ( in Scotland?) When I spoke to Santander this morning they said my defaults would clear…
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Do Clearpay report to CRA?
I was considering using Clearpay for my BooHoo order and wondered if they report to CRA?”
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Anything else i can do?
So i've had bad credit in the past. 3 defaults from 3 and a half/4 years ago all paid off in the last couple of years. I've got a vanquis card with a £150 limit on which i spend under £15 each month and pay the full balance off when the statement comes through. I've got an MBNA card with a £500 limit which i spend under…
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If, hypothetically, you opened up a new, let's say basic bank account, at your mum's address...
...which you've never lived at before, or ever been linked to before, and you didn't tell your new bank about any of your previous addresses (let's say you said to them you'd been living at your mum's for the past 6 years but didn't have a bank account or any credit accounts all that time because you didn't need one),…
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The legality of a water company sharing your data with a CRA when you've never signed a contract
So to cut a long story short, a water company shared my late payments and defaults with a CRA. Thing is, I never signed any contract with the water company, in fact I'd never made any contact with them whatsoever, so never even gave them my name or any other details. I've since got the water company to remove all defaults…
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CCJ Question
I have an old CCJ which i am trying to clear. The CCJ was from an individual and not a company and i cannot find any details of the person. The address is no longer valid for this person when the CCJ was given. Can i call the court up and pay to the court directly who will forward the payment on? Will they have their new…
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Everyone always says on here your credit score means nothing, no one uses it or sees it etc...
...but I'm not sure if that is strictly true. Because a few years ago when I was applying for a flat (to rent) I was sitting in the letting agents while we were doing the paperwork, and the agent tells me "okay, just gonna do a credit check on you now". I was bricking it at this point, because although I'd never looked at…
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Repair the damage
Hi all My credit score has gone from “excellent” to “poor” within a few months bacsically as a result of using my credit cards constantly for 12 months or so with the last few months the balances getting at the limit. My credit report is showing the ONLYnegative item as being my credit card utilisation is over 90%.…
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Accepted for a Phone Contract - Bad Credit File
Hi all, After a difficult 2 years, I got into a lot of debt and therefore racked up some defaults on my accounts and a lot of missed payments. Things still aren't perfect now, but my number of debts is going down and due to a fairly low income I have to leave some creditors out for one month to pay others and then bring…
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Barclays Closed Account and CIFAS marker placed
Hi there, where to begin. My son recently sold an item on gumtree. The same person ordered more the next day so multiple people transactions. He was paid in three transactions. The seller wanted postage to Spain. So he located an advert off gumtree to arrange the delivery, this particular advert mentioned Spain in their…
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Apple Finance
I've heard about MSE from my dad who suggested I come here, so I'm sorry if this isn't the right place to ask. Buuuuuuut... Today, I went to the Apple Store near me to buy a new iphone on finance. We went through the process, I had all documentation with me that I would need, and the application was declined there and…
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Account Showing As No Payment
I have 2 loans with Morses (1 finishes Friday) that I was making payments towards on time on a weekly basis however my circumstances changed temporarily so I lowered the payment to £100 a month to be split between the 2 loans. The lady who takes payment started to allocate the full payment towards the loan with the lower…
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Tidying Up Credit File Help
A few questions : I have an Aqua debt defaulted June 2017 and sold on to Cabot who I am paying through a DMP. My Credit Report shows the Aqua account still open with the original amount outstanding at 3 months late. No default showing. The Cabot side of it shows the remaining balance which is less now and a default. Should…
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Overdue account with CCJ shows as late payment
Hello there, I ran into financial difficulties a few years ago. One account fell into serious arrears. The account was outsourced to a third party for collection on the 20/01/2017 and a County Court Judgement was entered on 27/07/2017. I have a question about how this account is recorded on my credit record. It is recorded…
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Forgot to change address with phone & car company!
Hi, I’m totally new to this, it’s my first ever post so please be kind😆 I moved back home a couple of months ago and at the time I thought I’d changed my address with all the important people, including electoral roll etc. It just turns out I missed a couple - my mobile phone company and also the finance company I have my…
