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Incorrect Default Dates Wonga & PaydayUK
So finally after 6 long years my Credit files will finally be clean of my IVA and associated defaults next month. I’ve checked all 3 of my files and Wonga and PaydayUK both have defaults listed which were included in the IVA. Unfortunately they both have incorrect dates on them. I’m not too fussed about Wonga as it’s only…
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Does closing accounts increase average length?
Hello, I'm looking at increasing my credit score for a first house purchase. One of the warning factors is "the average length of my financial relationships are less than six years". Two of my recent accounts are loans with finance companies. If I pay off early and close these accounts now, will my average length increase?…
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Hard search
Hi all Just seen a hard search from Moorecroft Group appear on my transunion credit report. Next to it is the abbreviation (CT, ST CT BATCH) Are they able to run hard searches and what do the abbreviations mean? Thanks
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When Statute Barred?
Hello, Back in 2013, I had my eyes lasered and signed up to their 0% finance deal, through their own company, not through a credit agency. Unfortunately not long after this I had an accident which left me unable to work for a time and I had a few missed payments and a default on a credit card and did not make payments as…
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Advice re old debt
Hi, First time posting here and hoping one of you lovely lot can help me. I've just looked at my credit file for the first time in forever. My score is low, but I wasn't expecting it to be high, as I don't have any credit and haven't done since a relatively financially irresponsible final year at university 15 years ago…
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experian/credit expert refuse to remove 'correction' notes
Hi, for some reason I have numerous notes under corrections or queries on my experiant/credit expert report. As far as I understand it, this section is only added with the permission of the credit report named person, and not by a lender. I have emailed the abysmal customer support at experiant 7 times and have received…
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Electoral Roll Update
Good Morning everyone - i have a query - if one had added themselves to the electoral register a few weeks ago, and been advised that the date upon which the entry would be live would be live would be 3 Feb, how long after that should it show on Experian/Equifax files? (i appreciate that the Clearscore/TM files are only…
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CCJ on one credit score but not the others?!
Apologies for being rather clueless and probably asking something that has been asked before. I am new to this and given that January has now finished, I am actually getting my backside into gear and taking some steps towards my 'sort out the finances' new years resolution. I have checked my credit score on MSE Credit Club…
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Default status changed years after being settled
So long story short, got a mortgage application rejected. Have gone through husband’s credit report with a fine tooth comb. Cabot Financial - settled on 28/07/2016 with a zero balance. Last updated 13/05/2018 showing a default of £0. Lowell Portfolio - settled on 10/07/2016 with zero balance. Default of zero on 10/06/2018.…
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Help!
I can’t work out where to post this so sorry if it’s the wrong place. Advice please. How to get an incorrect default removed from your credit history. In December 2016 I moved out of a small 2 bed flat. I had lived there for 12 months with my friend, I moved out and he carried on living there and the bills were transferred…
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Confusion.
Hi good morning. I have a few questions. I have a 'very poor' credit score with Equifax. I have a 'Good' credit score with Experian. With Credit Karma i have 541/710. The thing that is holding me back is my electoral roll, which i will be added to tomorrow (having received a letter confirming that from the council) I have…
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Looking for advice on the best strategies to build my credit score and trust with lenders and banks
Hey guys Unfortunately in the past couple of years i've incurred some debts from CCs and Utilities. I've recently set up payment plans to start clearing existing debts. That's gonna take a while but i've signed up to Clearscore and checkmyscore to check things and they're mostly correct. Now i know there are several ways…
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How can I be connected to my husband's ex-wife?
I have a bizarre problem I wondered if anyone can help. My husband divorced his first wife 11 years ago. At the time they had a nationwide mortgage in joint names, which was later transferred to me (and my husband) in a Transfer of Equity arrangement around 2010. At this time, and in the years in between I have never had a…
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Van wife’s bank see my credit file/history?
Hi I’m a bit confused I read a few threads on credit history/searches. My wife has been to the bank to get advice on reducing loans and credit card debt. We have a joint account nothing else financially is joint. She said she or the bank will do a report from Experian which will show my file/history. Is this true? I’ve not…
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Advice for default and what to do next.
So let me just start by saying I had a really tough time while in uni. I lent some money to a friend who left the country, Which let me broke. my own father who took my credit card any never paid back and since I was 16 it's just been me. My self and I... Lastly I got sucked in to payday loans in order to survive. At the…
