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Credit card utilisation and credit file impact
I wonder if someone could help me regarding exactly what is meant by credit card utilisation percentages - various sites/advice boards say don't use more than x% etc as it looks as though you're dependent on credit. I've just opened a British Airways Amex - so with my 4k credit limit, does the utilisation mean don't ever…
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Quick switch!
I switched from Halifax to HSBC in Dec for the £175 cash switch deal but to be honest, HSBC are the worst bank I’ve ever had the misfortune to deal with - their customer service is zero and they have no idea how to get me online. The app is also rubbish compared to others I’ve used. I was with Halifax for over 5 years…
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Getting credit to prepare for mortgage application
Hi, I'd like to ask about my husband's situation. He's in the UK on a spouse visa since January 2019 and when he recently tried to sign up to credit reference agencies a couple of months ago, he couldn't as I assume they couldnt verify his identity etc. Now he's been here for 6 months, had a debit account for 3 months and…
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Set aside CCJ
Hi, i recently checked my credit report and discovered i had a CCJ which i was totally unaware of on my report. It had been sent to an old address so i never received any paperwork. the ccj was registered in july 2017 at an old address, i had been living at a different address since august 2016. I have read a little about…
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Defending a fraudulent small claims money claim whilst applying for mortgage
I am a sole trader in the building trade and a customer has made a false small claim against me. I have responded to defend and dispute all of the claim. If the judge agrees partly with the customer and say awards them £250 from me does that mean they would automatically give me a CCJ??? I’m currently reserving a new build…
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CCJ Claim > Offer of Partial Settlement > Help!
Hi All, I received a County Court Claim form from County Court Business Centre for a debt I owe Lowell for £6000 on the 23rd Jan, I called Lowell on the 3rd Feb and they agreed to take a Partial Settlement of £4500 and said they would extend the time I can pay from 14 days to 28days. I was only able to get the money…
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2 defaults 1 debt.
Hi, this is my first post so please bare with me. I apologise if this has been posted in the wrong section. It is quite a lengthy story, so I will keep it as short as possible while keeping in the important details. In short, I have a default recorded against me by 'V12 retail finance/secure trust bank plc'. They have…
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Debt free for 12 months. Credit score going DOWN.
So I started a business around 18 months ago. It took off, and I’ve since paid off all of my debts. The last debt was paid off around 6 months ago. Checked my credit score today, and it’s actually gone down. Its so annoying. It’s also a little all over the place. There’s an entry which is reporting a late payment/default,…
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CCJ FOR PARKING FINE - MOVED ADDRESS AND LOG BOOK ADDRESS NEVER UPDATED
Hi all, I was on credit Karma yesterday evening an noticed a CCJ on my file for £180, after calling the CC business centre I was made aware that it was for a parking fine dating back to July. I have contacted Excel parking who have sent me over the contravention evidence and all correspondence sent to my previous address.…
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Experian unable to confirm identity - should I be concerned?
Yesterday I reviewed my credit reports for the first time as per the advice on this website. While I was able to view my reports with Equifax and TransUnion without any issues, when I tried to sign up to view my report with Experian (through the MSE Credit Club) I could only get through to a page stating that it wasn't…
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Confused by one section of credit file (MSE Credit Club)
According to MSE Credit Club, I have a perfect credit score, and big ticks across the board, but for some reason, I have very weak affordability. I looked into this section and apparently it is due to my disposable income. Saying I have none, but I definitely have a healthy amount of this so why does it say this?? Just…
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Building Credit
Hi Everyone, this is for my girlfriend, basically she has no credit history, pays everything cash, what's the best, easiest or quickest way for her to build her credit profile? Thanks
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Soft searches
Hi I wonder if somebody can tell me why Hitachi capital plc has done a soft affordability search on my credit report? I have not applied for any credit. Also Retail money market Ltd t/a ratesetter.com has carried out a soft quotations search. Who are they and why are they searching me? Any ideas?
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Ccj through fraud
Hi all, looking for some help as I feel like I’m banging my head against a brick wall. But if a long story so grab a cuppa! I had just broke up for the Christmas break, just about to crack a can open, the post comes through the door. It’s a warrant of control issued by the court.... flabbergasted isn’t the word, so I rang…
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Erroneous Default Removed
Just a really quick question! I tried to get a new mobile phone contract and was very surprised to be declined for credit - the last time i checked, 9 months ago my credit score was 999 so you can imagine my shock. I paid for and logged in to Experian to find there was a default on my account. Upon further investigation…
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Credit score builder Loqbox hit by data breach - MSE News
Some customers of credit history-building tool Loqbox have had personal and financial data compromised after the firm was hit by a "sophisticated and complex" cyber-attack... Read the full story: 'Credit score builder Loqbox hit by data breach' Click reply below to discuss. If you haven’t already, join the forum to reply.
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A New Credit Search by Random Numbers
A new credit search by 47220799 will be added to your next credit report Does anyone have any idea who this is? I did a an application or two for some bank accounts which are showing on other agencies. EQUIFAX however have added this for my search. I thought it would show the company name and not random numbers. Cant find…
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Default removal due to circumstances
New to this forum but absolutely desperate for advice.In 2018 I began suffering with mental health issues and long story short, as a result I was not in very good control of my finances. I had a current account with HSBC which became over drawn as my poor health also led to me losing my job. I was in touch with HSBCs…
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Incorrect ccj
I discovered 4 months ago while checking my credit score that I had a ccj against me given in January 2019. I was extremely shocked and rang to find out why. Apparently I had a £300 debit to united utilities plus court costs. I rang united utilities and they said it was for unpaid Bill's. I told them I had moved house and…
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CCJ removal before amount paid off
My wife has a CCJ that will drop from her file in July this year. she has been paying monthly to clear the balance and should be paid in Feb next year got contacted by the solicitor firm dealing with case and implied that the balance should be settled before July this year, otherwise they would extend the CCJ.....maybe not…
