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Previous addresses not linked on credit file
Hi, I came back from living in New York for 7 years. I opened a new bank account and I couldn't give a previous uk address for the last six years because I wasn't here. I checked my credit report and it doesn't show any of my previous uk addresses either. Does this mean that I have a new credit file independent of my…
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Understanding credit card info on credit report
Hello all, I am wondering if someone could help me understand the info my credit card company is reporting on my credit file. Never missed a payment. Always paid the balance in full off before the due date. Statement is produced around 20th each month. Credit file is updated around 10th each month. https://ibb.co/cJyNzvX…
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Went into OD for about 10 secs
Hi guys, i am trying to avoid using my overdraft as I am saving up for a mortgage so trying to keep my credit report in shape. One of the tactics I am using is by avoiding using my overdraft however, just today I went in it for about 10 seconds then topped up the account to take me out of it. Will this go on my report or…
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final demand from moriarty law
have just received a 'final demand before court proceedings ' letter fom moriarty law saying if we don t reply and pay within 16 days the debt goes up and county court etc , the debt was from brighthouse was interest that was left to pay but i fell into difficulty tryin to keep up with the weekly payments , whats my best…
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Hard Serach by CD (11003194)
Hi All, Tried a search and couldn't find anything, so wondering if anyone could help me please. Just had an alert from ClearScore to say that a new hard search by "CD" will be added to my next report. I logged in via the app to check this, and upon clicking on more details, it shows the organisation name as 11003194. I…
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Default from eon
I’m wondering if anyone can help. I recently switched energy supplier from eon to bulb back in May. I never received a final bill only letters from eon apologising and that it will be sent soon. In the mean time I was paying bulb monthly. 2 weeks ago I get a letter from eon demanding £138 as I had missed my last 3 months…
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Completely false credit reports
Hi, I'm currently saving to buy a home in the next 3-5 years. I recently looked on ClearScore and Experian to see my credit score and was shocked to find that on both the information they hold is either false or inaccurate, despite updating my address, salary etc. For context, I'm 25, never been in debt, always paid bills…
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Defaulted account.
In Apr 2018 I had a default on a car finance account. I brought all payments up to date and have never missed a payment since. On ClearScore it is showing that the account is still in default with no payment history since even though all payments are up to date. I raised the issue with Equifax who got a response from the…
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Defaults and Getting a Mortgage
Hello, I could do with some advice, here is the situation. I am recently married and me and my wife are looking to move, we currently live in a house she owns so to upgrade we would need to get a joint mortgage. The problem is I have a default on my account from a year ago and a poor credit rating from a credit card. What…
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Pre-mortgage credit file clean up
Hello everybody, I am hoping to pick some brains in the world of credit. So to give a bit of background I’m 29 with a beautiful girlfriend and 2 gorgeous kids. With that in mind I decided it was time to plan for the future and save for a mortgage which is NOT easy in this current climate. So as a start I opened a help to…
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Unpaid CCJ or Used Overdraft
Hi, I am trying to rebuild my credit after many years low income and stupidity. I am doing well clearing off my debts now and not accruing any more. I have an unpaid CCJ on my credit file, I cannot afford to pay it from savings, but I do have enough available on my overdraft to clear it. So the question is this. From a…
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Wonga claims
Hi I have received an email from Wonga to confirm that 147 of my loans from years past will now be removed from my credit file in the coming months, is this likely to increase my credit report worthiness and the score ( even if the latter is useless) ? Side note which might be for another thread- how much of the claim…
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When will my credit file update!
Hi guys I have live versions of my credit report (RE Equifax rather then clear score, Experian rather then credit club etc) and I just wondered when my new accounts will be showing. Opened a new Vodafone 12 month sim only contract in October and it still is not appearing on my report and nor is my Barclaycard (opened in…
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Payment firm Klarna messed up my credit score, says student
https://www.bbc.co.uk/news/business-50306563 No, you messed it up yourself :mad:
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Soft searches that I don’t recognise
Hi, I have just checked my credit report and there are 2 soft searches on the 2nd November for car insurance companies that I didn’t do. The companies are Hastings and Admiral. My insurance is not due until the end of January so I have not been looking at car insurance, via these websites specifically or comparison sites.…
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Missed payments via a default
Hi all, I have had 2 defaults, both issued in late 2015, one of which was satisfied in April 2018 and the other in August 2019. Both of these show as missed payments from the day they were transferred to a DCA (Cabot and PRA) up until their satisfied date on my totallymoney report. I understand that the defaults will drop…
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National Hunter Data
I am applying for a mortgage soon, and doing my research now for putting me in the best possible position pre application. I have read about this National Hunter agency. Long story short, I took out a mobile phone contract with a company called Ratesetter three years ago. They were reporting my address incorrectly to the…
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Overseas elector
I have been overseas for a few years but have not bothered to vote due to the hassle of doing this at distance. Now I am thinking of going on the electoral roll as an overseas elector, but will this negatively impact my credit score by showing I am abroad for some time? At the moment my credit score is good.
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Marked as settled or removed, which is best?
Hi. So I've spent a long time sorting out my debts and credit agency records. I finally paid off a log standing debt that was defaulted over 6 years ago this month. The company, a credit union, has been marking my credit file as "arrangement to pay" since I opened a DRO about 4 years ago they have ignored my requests to…
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British Gas - Missed payments
Hi. First off, I done a silly thing and didnt pay my BG bill when I switched supplier. I am now paying this to a debt collection agency and have done so for 3 months. The problem is that my credit reports show I have missed 5 payments directly with BG even though its being paid to a collection agency. Its having a huge…
