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Loqbox
I took out a Loqbox 7 months ago but would like to unlock it early. If I unlock early will I receive a penalty on my credit file? Or is there an option of paying off the balance in order to still receive the 25 points on the credit score. I have tried emailing Loqbox twice now and received no response.
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Credit contract in someone elses name
Morning folks, I'm trying to help a friend out. She took a phone contract out years ago in her name but on her dads behalf (so her dad used and paid for the phone). Recently he stopped paying for the account (no idea why) and she only found out when a big black mark appeared on her credit score. She has tried to get her…
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Credit scores so different why ?
Hi I have activated all my accounts in all the sites and they differ widely. Martin is showing me as excellent while Equifax and totally money showing me as poor credit rating. All these sites show the same account details. How can I get them to be the same. I desperately need a new car so that I can get to work as its…
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Late Payment Marker
Good morning all I have recently had a health diagnosis which although not life threatening is life changing. My mum has also been diagnosed with cancer. Due to this I totally forgot to make a payment to one of my creditors. They have reported this to the CRA (rightly so). I was just wondering if I appeal to their good…
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Credit report check by company chasing disputed PCN
I’m currently in dispute with a legal company acting on behalf of a private parking company over an alleged PCN. I recently noticed the Legal company in question has run 2 credit checks on my credit file, as this is not a debt I owe or a loan/credit application I have applied for, my question is do they have the right to…
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Cancelling a credit agreement when a service isn't received
Hi It's not clear what my rights are in this particular situation, I have signed up to £3000 of dental treatment (signed up to pay through credit, 12 monthly payments through Braemar finance) with a company called Finest Dental who are in financial difficulties and have failed to start my treatment 7 weeks after I signed…
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Credit Building
Hello, I have been asked to help a few people lately but have been getting quite stuck on a few things so i decided to post here, so i was wondering if anybody could give me a few tips on how to build a credit file from scratch. As they are about to turn 18 in a few days, they already have bank accounts (Barclays, Halifax…
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Credit Report damaged due to fraudulent mobile contracts
I recently found out Sunday that two mobile phone contacts were taken out in my name fraudulently via an in-store carphone warehouse purchase. These were taken out with 5-year-old data that i provided them when i originally took out a mobile contact with them 5 years ago. I dont understand how this could have happened, i…
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PCH effect
Hi, I am looking to clear my loans and get a PCH "contract hire" does this show up on your credit report? If so can will this have a negative effect on a mortgage application?
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Very has ruined my credit rating
Very ! Back in May 2019 I found I was unable to access my account because my credentials were apparently incorrect. I tried to reset my password online but wasn’t able to. I made around 8 calls to Very in the months that followed, each time being promised a call back from IT/Technical Department. Due to not being able to…
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Cancelling direct bebit for an account in someone elses name
Hi I have a strange problem - I moved into a house share and took on the responsibility of paying the broadband bill (talktalk) by direct debit But we didnt change the name on the account - its in his name (Joe) Now Joe has moved out (on bad terms) I am still paying the bill but I want to cancel the contract. TalkTalk wont…
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Equifax not working
Hi, So ive been trying to log in to my equifax account and it keeps telling me im unable to login giving me an error message is anyone else having the same problem as me and now did you fix it
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Next Credit Card and Current Credit Rating
Hi All, I have a credit card with a 0% promotion rate on purchases expiring in early June of this year. My credit limit is 12k and I have used about 9k. I can pay all the balance back today if really needed. My questions: 1. I plan to open a new card in late May with another 0% promotion. As my credit report is getting…
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Credit score checks
Are credit score checks via 3rd party agencies worth a jot ??? I have just checked my Experien credit report via the MSE 'Credit Club': Score 746 ''fair' 2nd check through Experiens site directly: Score 971 'excellent' Ok, you may expect a slight difference as the score via 'Credit Club' may be a little out of date, but a…
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Court claim discontinued but debt still in credit file
Hello there everyone, I hope this is the right place to post. Don't mind me being bit confused but I've been searching and reading for hours and can't find a relevant answer to my question. The thing is that I had a court claim against me and when I filed a defense the solicitor of the client discontinued the claim and now…
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Outstanding debt to Payday UK
I have an outstanding debt to Payday UK showing on my credit report but I can not seem to find away to clear this. When googling the company I can only find links to money customers of the company might be entitled. I just want to clear this so that I can move on and start increasing my credit score as this is the only…
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Loan applications and hard credit checks
My partner and I recently applied for a joint loan, but I stupidly put the wrong name on my part of the application (I put the shortened version of my name, not the full one - think Chris vs Christopher, in that vein). It was too late to change the name, so we had to cancel the application, but credit checks had already…
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Bank Accounts and Cifas
my 17 year old son has had his bank account hijacked (Lloyds) - unfortunately the letter he was sent inadvertently got packed up and sent to my sister, with her mail, in Dubai. His account was subsequently closed before we could do anything about it. We went into the branch to speak to an advisor and were assured that it…
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Vanquis Credit file
Looking for a bit of advice, I lost my job a couple of years ago and ended up defaulting on a few account. Vanquis being one of them, after a year of not paying I got my act in gear and started. I have the 4 other default showing on all 3 Credit agencies but there's No sign of my Vanguis account. The debt was sold on in…
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Excess Credit
Hi, I recently paid off a large credit I had for some equipment and since then I have had all 3 of my empty balance credit cards give me a credit limit increase, I have gone from about £5k total limit to nearly £15k! Obviously my utilisation of this is low but would this hinder my chances in the future when I come to…
