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Question about credit score/rating
Can someone offer some advice on my credit rating? I have a £10,000 credit card limit. My credit card always has a balance on it, usually no more than £2,000, so well below the limit. I pay it off in full each month, so don't incur any interest. However, the balance is never '0' because i use my card for all my purchases,…
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Mortgage application- 8 identical hard searches?
hi all as the title suggests we Submitted the mortgage application with Halifax yesterday. I have had a notification via email from credit Karma stating we have had a hard search but upon checking my credit file it shows eight identical hard searches via bank of Scotland which is Halifax. Is this normal procedure to have…
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Debt valid after CCJ Drops off?
What happens to my debt once the CCJ'S have expired. They're about to drop off and are being handled by Mortimer Clarke and have been paying £3 a month. What can they do if I just stop paying it now? As it's not on my credit file anymore can any possible future lenders see the debt? If not is there any point in paying the…
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Credit file mix up
Good evening, I have joined this forum, as I am unsure what my next course of action should be. I was hoping a few fresh pairs of eyes make help me with my next course of action. Back ground. My father in law (Brian senior born 1950 ) recently wished to purchase a caravan, he made an application via the telephone to his…
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Better to settle a credit account, or leave open for utilisation?
I've noticed on some credit report summaries, having a settled credit account is considered a positive. And is noted as something that is 'missing' on mine. I've recently used a money transfer card. I'm wondering once that is paid off, should I leave it open to keep my credit utilisation lower.. Or close it?
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CCJ incorrect after 3 years
Hi, I have a quick question about the validity of a CCJ after 3 years. 2 and a half years ago, I moved out of a property and closed the electricity account by giving a final meter reading and paying the balance in full. I stupidly neglected to give them a forwarding address. 1 year later, after checking my credit rating, I…
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Car leasing
Hi guys!! I have recently decided to take a car on lease. The problem I have was they did a credit check then the terms of the car had changed. So I ordered another one which again was a full credit check. I have found a better deal elsewhere and thinking shall I try for the better deal. Will be credit file be greatly…
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CCJ expire - Debt still show?
So my husband has 3 CCJ's and they're all just about to drop off his credit file as of April when they will be 6 years old. We currently pay £1 towards each one every month and they're all handled by Mortimer Clarke. I know that the debt will still stand even after they drop off his file as we're technically making…
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Creditwise/Clear Score and Equifax
Morning all, now i know credit scores dont mean anything so save me the lectures. I'm just intrigured to know So Creditwise is an extension of capital one and allows you to see your Equifax credit report free. Anyway my point is, do Clear Score use the same credit score as equifax and would credit wise use the same score…
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Lowells again
Hey, here's a good problem to get your teeth into. I rent a house out and only visit perhaps once every 2 years as tenants move out /in. Earlier this year I visited and found a letter from Lowells saying I owe money, so of course, I emailed them with their own reference number, asking what it was about as I'd never heard…
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cowboys lowell and talktalk :)
Hi all Its been a very long time since I've been on here but I need some advice from you Wonderfull knowledgeable people. I'm sorry in advance for the way i've wrote this but its the only way i know i can do it. I had a dispute with TALKTALK which i took to CISAS who awarded me compensation and a written apology from…
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Statute Barred Debt And Credit File-Clarification
Hi all, I have a debt with one of the banks which is due to go SB in the next few months, and has shown as defaulted on my file for almost 6 years of first default date. Once it reaches the 6 year date, does the account drop off my credit file or will it continue? TIA
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Parking fine issued by UK PC
Hi just a parking fine from UK pc showing my car parked at 12.50 am in a car park . They say I did not pay the ticket issued to me . I was in this car park 12 hours earlier the day before and no ticket was on windscreen. I have enclosed letter showing my appointment was 12 hours earlier and said I had no ticket on…
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Lowell's letters
In 2014, having recently turned 18, I decided to get an iPhone contract from Vodafone. Within 3 months the phone stopped working and was sent back to Vodafone for repair. I contacted Vodafone on many occasions to get updates on my iPhone repair but I could never get an answer, I would get transferred around different…
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CCJ
Good Morning , can any one help me please ? So 6 years ago all my debts caught up with me ! Etc unpaid catalogue etc etc ! I was issued a CCJ Back in March 2014 , I have worked hard paying all my debts back and trying to improve my credit score ! All my defaults have dropped off 😁 and I have no missed payments in 6 years ,…
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Debt
I have contacted the solicitor workin on behalf of the company collecting money frm my partner asked if e can change the installment date (ccj) they said yes after 1st installment was paid does any1 kno if this will be ok without further court action as the solicitor says its fine
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Default on credit report
Bit of background firstly. Had current account with TSB for years, switched to Bank of Scotland and whilst the switch was being done sold a dress (wedding) on ebay for which the buyer then opened a dispute via paypal claiming not to have received despite the delivery being tracked! Fast forward to paypal refunding said…
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Hard Credit Check No Service
I recently requested a quote for a new personal lease contract for a vehicle, I was happy with the quote so agreed to the credit check and paid a deposit to secure the vehicle. The credit check passed no problem. A week later the company contacted me to say they had made an error and the quote provided could not be…
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ISA and saving accounts
Excuse me if this has been answered after 2017 (but couldn’t find any newer threads) I want to open a fixed ISA and a savings account using the recommended ones on MSE saving site. I want to know if these are definitely only ‘soft’ credit checks and not going to be ‘hard’ checks as I plan to mortgage next year.
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CCJ - How can I remove from Credit File?
Hi I've just found out I have a CCJ after trying to get a new credit card. After some digging I found it's from a parking fine which went to my old address, but I have no idea why. Other than that my credit rating was really good. I want to apply for a Set Aside to get it removed, does any know what the chances are of me…
