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Can they do this to my credit file?
I had an old debt which was owed to Vanquis, for £2.5k. It had fallen off my credit file. It had been sold to Lowell some time ago. I've just checked my credit file and my rating dropped 120 points(!) as there's a new entry on there.....a default issued by Lowell. They are listed as being the credit card issuer (which is…
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Is taking a loan to improve credit score a sensible idea?
TLDR: Is taking a loan to improve credit score a sensible idea? Situation and the steps taken already: - got statutory poor credit score, £53 unpaid from 2017 - closed some unused credit cards to reduce my credit limit - started using another card (Visa) so that my repayment is reflected (AmEx does not show up in my credit…
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Council illegally making charges on my property
Hi, How's the weather?
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British Gas wrongfully put debt in my name
Hello, Just wanted some advice and to see if this has happened to anyone and to see the outcome. I have just received an alert from my credit file to state that a British Gas bill from an old property I sold over 5 years ago has put a new debt in my name from this year 2019. I phone the company immediately and they have…
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rejected credit card - new car PCP coming up soon
Hi all, I've applied for a Santander 0% BT credit card to consolidate my 2 long running credit cards to a new 0% interest card. Despite given "likely" accepted on the eligibility tool, my application has then been declined. I have never had a single late payment (actually my credit score on Experian - the agency Santander…
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Is there such thing as being 'too old' for credit
Does this exist? Is their an age limit to take out credit cards, loans, finance on a car? Does it matter if you are 90 or 20? Is it all really depend on your credit file or does age play a factor? Thanks
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How long for credit score to improve? My story!
Evening everyone, I was wondering if someone could help/reassure me on a few things please. I have a credit rating with Experian of 662 which is classed as poor, this is due to stupidly taking out a few credit cards and loans in a short space of time I assume. I have never missed a payment or had any CCJ or debt problems…
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closing un-used CC after a new one
hi all, a bit of relevant background before my question BR in sept 16 and then discharge 17 ( a year later which is std). credit files are coming along slowly and nicely, eg on the way up! i then soon after got a vanquis card at 39.95% and then they offered upping of limits to the current of 2.25k, i have paid mostly in…
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Fresh start
Hello, I am a 30 year old man from Scotland. Between the age of 18 until now I have been irresponsible with money and gambling. I have had a large number of payday loans and other credit in this time. Mostly paid back but some not. I have 1 default which I have recently cleared the balance for. This will come off my record…
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Set aside of judgment and Consent Order
Hi I apply for set aside of judgment. My set aside date is middle of January 2020, in the meantime I got a letter from Claimant, Consent Order: "We write further to your application to set aside default judgment made on 27/10/2019. Our client has agreed for the Judgment to be set aside and the claim discontinued as…
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Credit card still shows as active in bankruptcy
Hi, guys, I hope this is the right place... I went bankrupt in March last year, Inc in the BR order was a credit card from Halifax as well as 2 other accounts, loan and current account. The 2 last accounts were closed and put into default but the credit card still appears open and active as I keep getting statements and I…
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Mortgage on credit file
Hello All. Any advice or tips would be very helpful. I am due to complete on 23.12.2019. I am a first time buyer and my experian credit is currently on 929. I want to apply for a 0% purchases card so i can buy a few items for the house, but I was wondering when is the best time to apply for a new credit? Should i do it…
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need advice
Barclays has shutdown and should receive a letter in few days when i spoke to someone today fraud team they told me that bank made commercial decision to close my account because haven't provided accurate information that's on my credit report. I disagree with that. I haven't lied about nothing. they check my ID and…
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Not told about outstanding payment for 6 years - do I have any way to fix this??
Hi all, I'd be grateful for some advice from the hive mind. Long missal, apologies. I was recently declined credit (my husband is renewing his mortgage and we intend to get a joint one this time as we are now married etc) which led me to check my credit scores for the first time (I know I know, this was the wrong way round…
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Differing credit ratings - help
My credit on Experian is 999 Excellent. Honestly I have worked so hard to get it to this My credit rating on Credit Karma (was Noddle) says 'needs improvement', 541! So does this mean I still cannot get credit? Do any lenders just use Experian? I'm in the midst of a mortgage application so I am panicking!
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Dipping Fast
Hi I've just received a default notice on a direct debit which failed last Wednesday It suggests in the letter its not only a default sum but a default notice. 4 days to issue such a demand which will now put me back six years. I've worked so hard to keep myself clean and now this. My DD failed with Close Brothers car…
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Increase credit limit to improve credit utilisation?
Hi all, New to the forum so apologies if this is in the wrong place. I have a pretty high credit utilisation rate at the moment which is affecting my score. I've been pre approved for a card with a limit of 3k, which would take my total utilisation from 67% down to around 46%. I've been budgeting hard lately and it's going…
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Who do we complain about for Transunion?
They are butchering my credit report due to their errors and i am going round in circles the past month trying to sort it out. Its like talking to robots on email with them. No phone number or anything. What organisation do i complain to about them and my credit report? ICO? thanks
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Aviva car insurance not on my credit report anymore
Hi all. Does car insurance normally disappear from your credit report once it's paid off and the policy ends? In 2018 I decided to pay my Aviva car insurance monthly. All payments were reported to CallCredit and I expected it to stay there, either as settled account or something else. 1 year has passed, I'm now with a…
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Advice on address/electoral roll following city relocation
Hi everyone. I've got a question about how best to handle a change of city/address so I keep as good a credit file as possible for a future mortgage later this year. Thanks for reading and your advice :) I own a flat in London that I've lived in (and been on the electoral roll at) for 4 years. I've now got a new job in…
