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SAR on CCJ?
A while ago, I got some court papers about a HSBC credit card debit that I know nothing of, haven't acknowledged or paid anything. Filled in the defense part and sent them off by registered post. Never heard anything until about 3 weeks ago (transferee to Hoist Holdings and a f&f settlement figure of £3k rather than £6k),…
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PRA group CCJ awarded
Long story short. Ended up owing Barclaycard £1749. After some time, started paying them 30 a month to clear. For some reason they sold it on to PRA group. I made an arrangement to pay them 30 a month. They say that was supposed to be on the 11th - I'm pretty sure it was set for the 30th as that was the same day I used to…
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Credit check for new job
Hello, I’ve recently been offered a job at a firm of solicitors but have been advised the offer is subject to completion of an Experian Vetting application form and the satisfactory clearance of all pre-employment checks. I am presuming this includes a credit check. My credit is poor. I’ve been in a DMP for many years and…
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Asda credit card late payment pebalty
My minimum payment was due on the 7th which I paid on that date and got an email saying it was processed. It wasn’t credited to my account until the 10th by which time they charged me a late default sum. I’m worried it could damage my credit rating as they have said they won’t remove it. Is there anything I can do?
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Close un-used card down or keep it open - which is best?
i have a new tesco card - 15m all round they call it. £3200 limit. balance is £500 or less a month, but i do have a planned £3k spend (for protection) in next month or so. older vanquis (only one i could get post BR discharged sept 17). is limit £2250 and 0 balance (in fact an overpayment results it being £-50 aka a…
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MBNA wrongly recorded credit limit exceeded/balance increase on credit file...
Hi all I had a credit card with MBNA which I paid off in full in November 2019. During the time I had this I always made payments on time and never exceeded the credit limit. On December 23rd I got alerts from Credit Karma to advise there had been some changes to my credit file. On checking I found that MBNA had logged 2…
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Credit File Amendments
I'm looking to apply for a mortgage sometime at the end of 2020 so I have been trying to get my credit file into shape since the end of 2019 so I have a solid year of good credit habits showing on my file. I have a credit card (opened Nov 17) with a £800 limit which I have been actively using and paying off monthly in full…
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ICO and Financial Ombudsman Rant
Both useless companies, utter useless. Did a SAR for a company, they sent me details but were missing out key information including default notices and information about the debt. Emailed them, called them didnt bother responding. Complained to FOS and ICO back in November. Its now approaching March and as of yet the…
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Credit Karma alert
I recently received a notification email from Credit Karma. "Your National Westminster Credit Cards account is at 30% of its 52 limit". I looked at my report and it said the same although it was now 30% of its 52.5 limit. The details on the Credit Karma report indicate that it is actually 74.9% of £18.35. Has anyone else…
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Credit score is poor due to others.
First post, sorry if not in correct place. So, around the age of 18, my mum asked me to take out a virgin media account in my name, but she would pay as she couldn't get it, all coming from her bank account. Not really knowing anything about credit I said yes. (The guy from virgin actually suggested this on the phone) She…
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Recent Searches Disappeared?
Hi guys, I applied for a new lease vehicle yesterday and the lease/finance company did a search on my Experian report They then asked for my latest tax return, which i have emailed them, however, checking Experian again today, i noticed that their searches have disappeared from my 'recent activity'. Does anyone know why? I…
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Default not issued
Hi there, First time poster here. Back in 2013 I got in to some serious financial difficulties and ended up with a number of payday loans. Amongst those were two from lending stream. I subsequently was unable to pay these and they placed a default on my credit file for one of the loans, the other loan, despite being in the…
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Default from a closed account
Hi All This might be a strange one or not. After making myself debt free in 2013 I signed up to keep an eye on credit information currently (Credit Karma) on 5th February 2020 an alert came for them to say that someone had registered something against my name. So I logged onto Credit Karma to see what to find out that a…
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Hard debt collection search - anyone experienced one?
I've just received a notification on credit karma that I have a 'Hard debt collection search' from Elevate East London LLP - I had a bankruptcy back in 2013 following a business collapse in 2012 - but all debts were settled when my property was sold - I was quite meticulous to record who was owed what, and since then I've…
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Credit Utilisation - Credit Karma
Hi, I've been a member of Credit Karma for a while and its been a useful free way to review my file. I noticed my score keep fluctuating and it went down a bit for a few months but tried to think nothing of it, as i had perhaps had a slightly higher balance on a 0% card for a month or two. When I downloaded the app today…
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02 - Lowell - Defaulted account on TransUnion?
Good morning Two days ago I registered to Money Supermarket Credit Monitor to see my TransUnion Credit file. I found out a defaulted account. It says "Telecomms Lowell £28. Account opened Jan 2015 Account defaulted jan2016". However, on my profile it says that I have no defaults. I also checked clear score and mse credit…
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Extra income but still 'v. poor' chances of getting a loan.
I have recently updated my credit file to show extra income of £5k and no other changes. Even so, my chances of getting a loan remains v. poor. Why is this.?
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Bad credit on wrong credit file
Hi, my partner has a twin and his twins bad credit for years keeps ending up on my partners account. Usually he goes to Experian and after months it gets taken off. It’s a long process but does get solved eventually. However it has happened again and this time we are due to apply for a mortgage soon and we can’t wait…
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Better credit score?
Hi, my other half has a bad credit score and is working on this to get it up, I on the other hand have a very good one. If we opened a joint bank or savings account and put some money in would this help his score? Thanks
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Unknown Searches
Hey guys, long time lurker here looking for some input. Wondering if anyone has seen these searches appear on their credit reports before. GB GROUP-DAUB ALDERNEY KAHNAWAKE for Id Check By Other Public Sector PAY360-OPTIMA LEGAL SERVICES LTD for Id Check By Other Public Sector Google suggests the top is a casino operator…
