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Does the number of bank accounts you have affect your credit rating?
Hi all, As above: does the number of bank accounts you have affect your credit rating? They could be savings accounts, credit accounts, business accounts etc. But does it matter to a lender? I have only ever banked with NatWest for the past 20 years, apart from 1 year when I also had a Metro business bank account. But most…
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Can Klarna help improve my credit rating?
Hi all Newbie here looking for advice. I am trying to improve my credit rating, and I'm going through the advised steps, but I wondered if doing a payment instalment plan on a purchase with Klarna would be another thing that could work in my favour? I thought it would prove I am reliable etc, but I can't find anything…
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Thoughts on this response from a mobile phone provider regarding defaults?
I have been helping out a colleague looking to make their first property purchase with regards an issue she had with her credit file. We contacted a mobile phone provider regarding 2 x defaults entered with Experian. She received this reply today: On account xxx there was an outstanding balance of £206.26 and on the linked…
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Equixfax registration
Upon advice I received yesterday to check my credit report with all three credit reference agencies . I already had Credit Karma (Trans Union?) and easily joined Credit Club through MSE. I have tried joining Equifax filling in boxes as required but it asked for telephone verification. I spoke to the guy (sounded like the…
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Best Way To Check Free Credit Reports?
I haven't checked my three reports for about five years and so want to do so while i have some time to do it. I notice it is now free to get your basic reports but i can't decide if to go for post or online, is it worth creating online accounts just to check this even though it would quicker than the postal method.
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MSE Credit Club Affordability
Hi guys, Looking at my Experian credit report through MSE Credit Club my overall score is high (947/999), my credit utilisation is very good, debt ratio very good but my affordability score is very low. Can someone please explain what the affordability score is made up from and how I can improve it? Seems pretty important…
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Address verification problem
I’m having trouble registering with Experian as it says it can’t verify my information. I think this is because both my current address and my last address have both appeared differently on different websites. My current address on some won’t even recognise the correct postcode. If I can’t get past this I can’t even begin…
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Credit file
Hi, Ive just got a mortgage now my credit file is appaling. Loads of searches from places like British gas, catalogue (Very eventhough i paid the item in full), Ikano bank (scs) how long does it generally take for my credit file to look appealing to lenders? I am looking for a car in the next few months as mine is too…
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Mortgage, credit cards and improving credit score
Hi, hopefully i've put this in the right section. I'm closing in on having the deposit to get a mortgage and trying to improving everything i can before i do so, like reducing my debts and improving my credit score. i'm a bit confused with the credit cards i have bewteen the utilization and available credit. I've the…
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CCJ 2012 URGENT new letter received 04/03
Hello help required please very worried.I have received a letter from a solictor stating that a ccj was entered against me in April 2012 and that I have failed to make a a payment. There are no ccjs on my credit file.I do not want to enter a conversation with them until neccessary. I had a lot of debt in 2012 and I have…
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Wheres is the Default notice?
Hi. Up until very recently I had a default notice on my credit report (Credit Karma). This was from a bank account I have with a previous partner I never knew existed until 2017. Since we parted in 2015 we have settled through her solicitor, paying my share of the house and closing our joint account (or so I thought). When…
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Equifax & Clear Score - default?
Hi all I mainly check my credit file on MSE credit club which is through experian - just to check nothing I am unaware of ever appears. I recently did an eligibility checker for a 0% balance transfer credit card and it said 70% accepted, so applied and it came back no. I then checked through clear score to see if Equifax…
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Owed money
I am thinking of registering online claim to the small claims court for a relatively small amount of money due to the fact it how it was done was totally dishonest. Anyone got any ideas if this is the right way forward
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Cancel or accept loan application that no longer required
Hi I applied for a AA loan and got accepted at a higher APR that I was comfortable with, then applied for John Lewis loan and got a much better APR so have gone with John Lewis. Should I let my AA application expire after 30 days, or contact then to explain and cancel it so they clear it off their system, or should I…
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Debt sent to agency, will it effect credit score?
I sold my car almost a year ago to a garage who came and collected it from my house. I was paying road tax monthly on this vehicle and it was near the end of the yearly payment anyway. a month or so went past and I received a letter from LCS informing me of a fine from the DVLA. I looked up online and I read that there was…
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Experian Credit Report Change
Hello, I have 4 credit cards with different banks. HSBC - up to date. Virgin - sold off to another company now. Barclay card - debt outstanding, now moved to their collections team. Halifax - debt outstanding, now moved to their collections team. My experian credit report was updated back end of last week and the Virgin…
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15 year old debt and credit file
Hello, I have a few debts outstanding from around 15 years ago. These aren’t on my credit report but I pay a nominal amount every month. They have recently written with a reduced settlement figure. If I settle them will my credit file be updated to show this or will it still remain hidden? Many thanks.
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Credit Karma worth $7Bn!!!
I would never have guessed.
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CCJ
My CCJ Is finally over in 10 days ! 6 years of getting no credit or a mortgage ! I’ve paid all my debts of within the 6 years and never missed a payment 😃 does any body know how many points my credit score will increase ? On clear score I’m at 441 ! So happy
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Credit rating has shot up - mistake?!
I just got notified of a change to my credit rating via MSE credit club/Experian. when I checked it my rating had shot up this month from “poor” to excellent. I can’t really understand it. my credit accounts & other factors like stability, employment etc are mostly good, but there is one big blot (a default from 2 years…
