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Credit applications when I earn less than my partner
I was starting to apply for credit (paypal) this morning when I could see the numbers did not add up. My income, minus total mortgage and total bills... and it looks on paper as if I have no money left over. But in real terms my partner earns twice as much as me, so I only pay a third of the mortgage and bills, and have…
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Credit Utilisation issue
I recently re mortgaged and part of this process the bank said I had access to too much money and they were not happy. I was advised to cancel or lower my available credit on my credit cards. Some had limits of £8k (I think I have 6 cards in my wallet). Roughly I had access to around £45k but I’d never be a fool and spend…
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Absolutely FURIOUS with QuickQuid
So here’s the deal. Had one late payment last month due to a complete oversight on my part, noticed the error about 10 days later and paid it, fair enough that they marked the account as late payment as I was late so I am not contesting it. Log into my credit report today and it’s now showing as 2 MONTHS LATE when it has…
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Statute Barred
I believe I have a debt that is nearly statute barred. I am weeks away from the 6 year mark. Can someone clarify if this debt will no longer appear on my credit report once it is statute barred?
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Been refused an account on a poor credit rating I don't have.
First post - I'm a bit lost to be honest. I wanted a Ping it account (touchless payment) - applied and was turned down due to having a Cifas Marker on my bank account - ask my bank to remove cifas marker (put there as fear of suspected identity fraud) from my account and they agree and proceed, a month later Ping it still…
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how long for v poor credit score to change to fair
hi I have a very poor credit score below 250 on transunion. It is because I have 6 - 8 defaults/ unknown status and 2 CJJ. they are all from 3 years ago. I was briefly out of uk and these are all small credits had then. They add up to roughly 3000 pounds. If I pay all of them in full, how long until I can expect at least a…
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Pulled my credit for the first time... Found some alarming stuff
Hey all, I'm in my late 20's and just signed up to clearscore and found I have a score of 241 which I understand is terrible... I've not really looked at my credit history before, but I'm starting to save for a mortgage and I'm aware this may be an issue at some point. I know I have had some debt collection companies chase…
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Trying my best.
I’m hoping to be in a position to apply for a mortgage by this time next year. I’ve recently had a change to my circumstances which means I’ve been able to start cutting my debts down seriously and also start to save. I’m in a good stable job but I’ve been privately renting for a long time and doing silly things with…
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Moved to the UK a year ago, how do you get credit?!
My partner moved to the UK a year ago and is trying to change bank accounts and get a credit card to build her credit score up. How do you get past the 'How long have you lived at this address' section as it asks for 3 years worth of UK addresses? Does she need to go into branch? Also, Experian are saying they don't have…
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Settling a CCJ
Hi Everyone I've been paying off a CCJ debt. I've been offered a reduced settlement figure which is obviously attractive! However, I was hoping to apply for the CCJ to show as settled on my credit file - am I correct in assuming I can't do this if I haven't repaid the full amount? Trying to weigh up what looks better on my…
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Address history effecting credit score?
Hi, I am trying to check my credit score using the MSE Credit Club. However, I am seemingly ineligible to do this. Is this because I have not lived in the UK for the last 3 years? My previous address in the UK was 2013 -2014, before I went away for 4 years. I was unable to buy an item on finance a few months ago because of…
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Linked Addresses spelt differently
Hi all, Sorry for the barrage of topics about my credit file. I lived at another address for 3 months, and upon checking my file I can see it has been listed twice on linked addresses in Experian by a lender. Is this something that needs resolved? My address was xx Whitehall Gate, Aghagallon, Craigavon, BT670GQ. Lender has…
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Interest free balance transfer and how it'll effect score
Credit cards for those from a poor, broken family back ground is a bad move. Managed to get a nice low interest loan to help pay it back. Blew more on the card but with a little restraint. About to start looking for a home with the missus next year, I'm not struggling, pay everything on time and have some spare. Looking at…
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Credit cards whilst building credit rating
After having a poor credit rating when I was young, I didn't take any measures to monitor or improve it until recently. I have been using Clearscore to work on it and have been watching it slowly build. I eventually started getting pre-approved offers for credit cards within the Clearscore app, so in June I went ahead and…
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Default coming off - how quickly can I apply for a mortgage
The default I have comes off on Friday 22nd November. I would like to apply for a mortgage straight away, can anyone confirm/recommend if I need to wait much longer for the CRA's to update their systems or should it fall off automatically on the day? I intend to apply to Barclays for my mortgage. I'm keen to get things…
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Experian credit report on MSE
I am unable to access my Experian credit report on the MSE Credit Club this morning. I am able to login to my MSE Credit Club dashboard but I get an error when I click on the credit report tab. Has anyone else experienced this recently?
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Searches on Transunion
Morning All, I have quite a number of searches on my Transunion report under 'Other Searches'. It says lenders may be able to view these. There are no searches for credit applications. Madison CF UK 118 118 Money - Purpose CF - they appear to search every other week. Apparently this is due to Clearscore Some are…
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Got a letter from a debt collection agency..
So long story short, I had a domain with 1&1/IONOS. After the year I didn't want to renew it with them as it was too expensive, so I transferred it somewhere else. 1&1 told me I owed money for a year of domain hosting (about £16), and if I didn't pay, my account would be suspended and I would lose the domain. I ignored it…
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Credit File 02 Lender Address Query
Hi all, Quick query. I had an old pay monthly sim that I closed down years ago. It still appears on my credit file as settled. The lender address for o2 on Experian is listed as Fraud Queries,02 Fraud Team, Millshaw Park Lane, Non Fraud Queries; Credit File Referrals Millshaw Park Lane. Is this just the address o2 use when…
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Credit rating so low, not even eligible for credit building cards
Hi all, This is my first post and I'm in dire help. my partner and I, are currently trying to build our credit scores. Due to circumstances over the last few years (work income mess-ups, not applying to UC soon enough etc), we had to rely at times on payday loans and miss some payments to phones etc to be able to pay rent…
