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Satisfied defaulted debt - how long to show up?
I had a defaulted debt that I had forgotten about until I saw it on my credit report. I satisfied the debt on 17th September but this still hasn't shown up on any of my credit reports. How long should I wait until I start to worry about this?
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Removing Financial Connection
I am looking to apply for a mortgage in the next few months. I had a look at my Experian file yesterday and noticed that I still have a financial connection with my husband through a joint Santander account that was closed a few years ago. This has been our only financial link. I am filling out the Experian Financial…
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Do lenders see a "live" report?
Do lenders see the same information we see when we log in to see our credit report? Often, certain accounts are a month or two behind where they should be. For example i have a loan with one payment left (confirmed by bank) but all three of my reports show around four months worth of payments to go. When the loan is…
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Default notice nearly 6 years
Hi, I'm new here! I'm looking at my credit report and most of my debt defaults are expiring or dropping off my credit report in December. All will have been settled by this time except one with link financial, its set to come off in December but the balance is still owing. Will they go for a CCJ next? Thanks
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Credit Rating Dropped Massively
Hi, My credit rating dropped by 296 points. The only change on my report, according to ClearScore, is: However, I also changed my address and put myself back onto the Electoral Roll under my new address. I can only assume, since ClearScore said nothing about the address/voting roll, that this is due to Virgin. Will this…
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Eligibility Check on CRA Agencies
Hi Ive been desperate to get a credit card to build up my credit rating. Finally last week i was able to apply as its been 2 years since my last CCJ. So i did an eligibility check and was getting 95% and 100% on all the bad credit cards, i.e aqua and vanquis, capital one etc. I did a few soft searches and applied to three…
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Statue Barred Question?
Hi, I recently received a letter from CRS about a payday loan debt from March 2013. I made no payments on the debt and my last contact was 13 April 2013. After contacting the PDL company, they never issued a default on the account. Now am I correct in thinking the debt is now statue barred? Can they continue to report this…
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Identity theft
I’m not sure if this is the right place for this but here goes. My husband was a victim of identity theft about two years ago, they bought furniture from DFS, applied for other accounts etc. He registered with CIFAS, put a password on his Experian account and all has been fine, until yesterday. I got an alert from Credit…
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Transunion - Merge of someone else's details
Hi there all. I am having some issues and thought this would be best to get advice so thank you in advance for any help you can give me. I was in the process of moving house to a new rental place in July this year and I checked my credit report as I had failed the credit checks. As someone with good creditworthyness this…
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Default Versus DMP/AP
I have been on a DMP since January 2017. Some of my accounts defaulted and some didn't. I have been trying to get them all to Default as this will fall of my credit file sooner and tidy it up. A couple are refusing. Should I push this?
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Overdraft to keep or not to keep?
Hello, so if anyone remembers my old thread tldr I was worried about my credit history and how to build it. I have figured out and struggled my way through the hoops to build a positive credit history and today I finally got an overdraft on my bank account. I have held an aqua card for a month with a £300 limit, only used…
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DVLA Fine
Hi all, Very frustratingly I’ve just discovered I’ve received a fine from the DVLA for driving with no tax, £38 if paid before 27/10. They sent my reminder and the fine letter to an old address. I only know because I stopped by to pick up post. I HAVE updated my address with the DVLA. I know it is 100% my fault for not…
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Incorrect D.O.B on report
MSM Credit Monitor alerted me to an incorrect D.O.B on a closed account from 2014. I looked, and the month is indeed incorrect. I emailed the company over a month ago, as instructed to do on their website, but have not received a reply. Is this an issue that I should follow up? The D.O.B is incorrect on my Credit Karma,…
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Lowell Sky Debt Help
Hello, I am seeking some advice. I have been attempting to build my credit history with a view to applying for a mortgage in 2020. I have received a letter from Lowell Financial requesting that I set a payment plan up for a Sky debt totaling £116.81. The Sky account number was provided. The debt is several years old and…
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The flaw that allows you to access other peoples credit files
I suggested to my girlfriend that it would be a good idea for her to sign up to the free credit report services, to keep an eye on things and see how she could improve her credit history. During the signup, it occurred to me that I knew all the answers to her security questions. At this point I stopped her and for…
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Anything else I can do
In 2017 I got hit with several fraudulent gambling accounts all set up at the same time. I found this after finding the soft searches on my credit files. I contacted each one, reported to action fruad and used CIFAS protection for two years and it all went away...........until this week when the same thing has happened…
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Worried about identity theft - how can I prevent my details being used?
I was working at a place where I had previosuly been a client and experienced workplace harassment. Things got nasty and I put in a complaint, and I'm worried that one of those involved will use my details which are on file (name/address/DOB) to make a credit card or other financial application in my name. I have no doubt…
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Countersign for a friend's OU student finance
Hi, just looking for some advice. A friend has asked me to counter sign an application for their student finance for an Open University course. Someone else had signed but the application was rejected. They haven't given me much in the way of detail, other than my job role fits the requirements. I'm looking to buy my first…
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Is it easier to get a loan or a credit card ?
Hello, I've always wondered is it easier to get a loan or credit card ? The examples in this case would be say 99%APR on loan and a Vanquis Credit card. Which one would you be most likely to be accepted for ? I am not applying, just starting to look into credit files and scores etc recently and just wondered. Thanks. Bum.
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Building A Credit History From Scratch
Hi all, I posted on here a while back regarding where to start in building a credit history here in the UK having lived abroad since birth and recently moving back here. Thanks to everyone’s advice I have managed to get a Monzo bank account, which I am having my wages paid into. I have also joined the electoral register…
