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Score advice
Hi all, First time user here so I hope I’ve posted this correctly. I am looking to improve my credit score so I’m in a position to get a mortgage. I’m currently making payments to clear my credit cards and store cards. Should I close them off after or leave them open to improve my credit utilisation? I really wanted to…
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Catching up with credit file problems
Hi all, I am hoping you will be able to shed some light on the information below, which is showing on my partner's credit file. It has never been checked up until now, so we would like to resolve some/all of this, with as little hassle as possible. Firstly she tried to setup a free account with Credit Karma the other day…
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Why does my credit file say accounts removed when they are still active?
Hi all, I check my credit score regularly with clearscore, recently it dropped 46 points in one month and in the summary of recent changes it said my HSBC current account and HSBC credit card had been removed. I am still using these 2 accounts and in no way had I changed them, shut them down or anything, the current…
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DAS, DPP, Stepchange - Partially settled accounts?
Apologies if this is in the wrong place. We paid off our DPP after house sale in March. Now we paid the amount that the debts were at when the DPP started (March 2017) and so interest was/should have been frozen. Obviously AiB and stepchange take their cut (2% and 8%) from the payments each month, and this cost was i…
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CC reporting six years from account closure.
What negative effect does one defaulted credit card included in sc dmp have when it's to be reported 6 years from account closure. This seems very different from other defaulted and eventually paid off that defaults have already dropped off 6 years from account opening. Does that mean upto 12 years rather than 6 of…
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Universal credit score in UK?
Would you support a "REAL" credit score in the UK? Like the US has? A genuine credit score number you could see? Do you think this would help with all the people believing their current "credit scores" to be accurate? Would it make it easier for people to get to grips with their finances and see the real impact certain…
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Debt paid not shown on Credit report
I have been paying debt agencies direct debits for several
years now (Capquest etc.). My credit report however shows no record of these
debts or transactions. These debts may have belonged to my late husband. Should
I continue to pay them, or cancel the direct debits? Thank you
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PGCE student with job for September wanting to build a credit score
So, I'm in a bit of a pickle. I want to build my credit score for getting a mortgage in the future, but want to rent in the immediate future. The estate agents I'm thinking of renting from might require a credit check, but I have never had a credit card. I current live with my parents to save money during my PGCE year,…
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Who to trust?
Hi, Which companies should we trust when looking at are credit scores, especially with the vital info like electoral register, credit accounts etc, Should you only trust Experian, Equifax and TransUnion? are these the main 3 that the lenders use or do Lenders use the ones like credit Karma or ClearScore?
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Just removed CIFAS MARKER, am I in the clear to make a new account?
Hi after a month of trying to get the bank (nationwide) to remove a wrongfully placed cifas 6 Marker I have been successful and they have removed it. I just wanted to know if I’m now in the clear to go and make another bank account elsewhere, because after my nationwide accounts were closed I was rejected at 2 other banks…
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Conditional Fee Agreement help
Sorry i could find a relevant header to put this under. Quick question I need to a solicitor to take on a case for me. I have spoken to a couple of solicitors who have said they will take it on but will take a percentage of my win. 25% / 35% I have managed to find what seems to be a really well placed solicitor and a good…
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MSE Credit Club
Is anyone else having issues getting this to update? Keeps telling me there has been an error when i try and get my credit report.
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UK/USA Dual Citizen - Student Tax Requirements
* Does anyone have experience with filing a US tax return as a student with UK/USA dual citizenship? * Does anybody have any good resources about tax requirements specifically for students holding dual citizenship? * Am I required to declare Student Finance England maintenance grant payments as taxable income (and evidence…
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Capital Bank Default on Credit Report
I am hoping someone can help me please. I updated my details on my Experian Report and instantly my credit rating went from 900 to 500 on the back of a default of a loan from Capital Bank. I tried goggle to contact them as I have never had a debt or any dealing with Capital Bank. Didn't get anywhere, so got Experian to…
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Neteller Credit Checks
Hi all, I have had a mortgage approved and near sign off. I needed to pay for something via Neteller. There are numerous searches now appearing on my credit report - identity check for money laundering purposes. Is this visible to other lenders? I was worried it could derail my mortgage application. Am I worrying…
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Closed mobile account - but they still want money
Mobile phone company Three maintain I owe them money. I maintain I do not. In September last year my need for the Three accounts ceased. I phoned Three up and said I wished to cancel and what would I need to pay for this. The agent did some calculation and gave me the figures. I was told that this was for full and final…
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Credit file after CCJ expire
Good morning my brother was seriously in debt about 4 years ago...bad relationship...etc etc so he ended up with 4 CCJ and a bunch of defaults...over time he has paid them all off and without any external help...I.e. IVA etc So me and him was looking at his credit file ( Equifax ) and worked out that by January 2021 all…
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Credit Karma
Evening, do lenders actually use Credit Karma? As it seems to be the only one that doesn’t have me on the Electoral Register yet every other one does even Transunion who they get there info from?
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Paying off accounts in arrears
Hi All, I have 4 accounts open on my credit file with debt collection firms for old credit card and payday loans that I defaulted between 3-4 years ago. From being under an avalanche of debt I've managed to get myself into the position where I can pay off 2 of the 4 accounts in full at the end of this month. One is with…
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Mortgage Application, Credit Check & Score
Hello! Hope everyone is staying safe and well and as happy as can be. Wonder if anyone can offer any thoughts on this.... T'other half and I got into a real financial mess due to living beyond our means, burying heads in sand and then both getting made redundant several times. Entered into a DMP back in 2008/9 ish and paid…
