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Unable to apply for savings accounts
My wife is unable to open any savings accounts online and fails saying we need more info. Unfortunately the items they want we do not have, basically she has no passport (neither do i for that matter), she has no driving licence, no debt etc. She has an online post office savings account which she has had for 2 years,ie…
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AP Marker
Hi all, Last year I had 3 AP markers recorded against me, was just a final utility bill before moving that I split over 3 months. I only did this because I was told by Eon (the company) specifically that it would have no impact at all on my credit score - at the time I didn’t know about AP markers so trusted Eon. So now…
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Basic help please
Hello I have 2 Payday loans on my credit report and I wondered they will be gone. Start date 13 Mar 2014 End date 25 Mar 2014 & Start date 05 Apr 2014 End date 23 May 2014 Am I right to say these will drop off in May this year?? Also I am using the new Credit Karma app (old noddle) and it says Mortgage: Inactive. We found…
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Wrongfully chased for debt, Been polite but they want proof
Essentially I got a letter in my name but spelt incorrectly for a alleged utitilty debt at a property I have never stayed in. They kept phoning my mobile as early as 8am and as late as 8pm leaving automated voicemails that told me to ring. I had enough and spoke to them and sent them a council tax bill for the period that…
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Address not showing on credit file
Hi, me & partner live in a hotel and the address doesn't show up on my clearscore account or any other one that i have tried. I think maybe because it is not a residential address, we are hoping to buy a house in approx. 12 months time but I realize this situation may affect our chance of getting a mortgage. I don't…
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Applying for mortgage but have credit file disaster
Just looked at checkmyfile and have uncovered some major problems. Firstly, despite the fact I am on the electoral register and voted as recently as December, only Experian have me down on the electoral roll. Secondly, my main bank, plus the credit card I have with them is suppressed and not available to view. I contacted…
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Electoral roll - do you have to de-register when you move?
Hi, we moved out of a house in mid-2017 (and let it to tenants). We registered to be on the electoral roll at the new council and voted. We moved again after that, registered again and voted in the most recent elections. There was a change in the tenants last week and I got a bundle of old post addressed to us. In that…
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Credit utilisation
Hi there, I've just had my Experian credit profile email. Its dropped slightly due to account stability, which I understand isn't much of an issue. My credit utilisation has always been orange. Everything else is green across the board. I have a £100 overdraft on my current account and my husband and I have a £1000…
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What do you think?
Hi guys, A first-time poster so please take it easy on me. I have been in credit card debt for over 3 years now, making more than the minimum payments each month but due to the eye-watering interest, my balance never goes down! I decided to get a loan to pay off my credit cards and I am saving well over £200 a month…
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Credit Builder
Hello; Sorry if this is in the wrong forum, basically just want some info on a credit builder card, is there cards out there that don’t affect your credit score yet help you build credit before applying for a mortgage? Thanks.
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Person with same name - bad credit
I recently did a credit check at my bank which failed - it turns out my name was linked with my husbands ex wife as she has the same name. It came up with all sorts of questions about her home address and the store cards she has. How can I get her details "unlinked" from mine?
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BR missing on credit file
i asked in a stream of an other user questions / post and it was unanswered so i think here maybe the best place for it or, the BR forum (move if needed). somebody said the following "[FONT="]A credit check for renting only checks public information such as bankruptcy and ccjs. Defaults don't matter.…
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Removing Late Payments help
So I checked my credit report a few months back and spotted a account I hadn't opened to a catalogue company(Grattan) which is around 8 months old now. Initially my first thought was this is fraud, identity theft! So I was looking online for ways an means of reporting this aswell as contacting the lender, whilst doing this…
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Fraud & CCJ
In 2017 I found out via a Debt Collection Agency that I had been a victim of fraud. The value was only £1100. After speaking to them it was a credit card opened in 2014 in my name (I used to live in a shared multiple occupancy house and post would regularly go missing). In the end I was advised to pay it off ASAP and then…
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account has changed from defaulted to closed and credit rating has gone up dramatically?
Hi all I try to keep up to date with my credit score and file due to the fact I got myself into quite a bit of debt a couple of years ago. I signed up with StepChange to sort this out. Due to the fact I was not meeting minimum repayments on One of the accounts (Barclaycard) it went into default. This happened in July 2018.…
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Advice on what to do
Hi all, I have 5 credit cards currently, all which will be paid off in the next year or so. I am currently after advice on whether I should cancel some or not, info is below: card 1, £0 balance, had for about 3-4 years, seldom used, limit of £3500 Card 2 £2850 balance, had for a year, last used about 2 months ago, making…
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Equifax and 2020 electoral Roll
Hi, my electoral roll info has disappeared from Equifax this year. Tried to get a better rate on a credit card and was declined due to this. Was going to query with Equifax what happened when I saw this in their FAQ. Apparently some local authorities have not reported it yet. (I tried to post a link, but it wouldn't allow…
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Can't use Credit Karma anymore?
Went onto Credit Karma today on my phone. immovable pop-up page loads and tells me to use their new app now. Website doesn't work. Go to app and can't download it. It says "This item is not avalible in your country". So.... Thats that then? No checking Transunion for free anymore?
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Debt CCJ
Hi all.. 10 years ago i had to default on my credit card debts...under CAB advice...i received default notices and CCJs.....we set up a £1 a month which was accepted by all creditors through CAB.... so 6 years of realy bad credit ect has done me no favours and now 10 years on.....they have started court proceedings for the…
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Does cancelling an application affect anything?
Hi, I was attempting to signup for a prepaid card by Cashplus (called a Freedom card) but instead it seems I've signed up for a Current Account by mistake, the website didn't make it clear, I only knew of it when I got to the final page and it requested ID documents in the email. So I contacted Cashplus and explained and I…