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Credit file merged - How do I get Equifax to listen?
Background My credit file has been merged with another persons. This is a big sticky mess, but in short one credit company did a 'gone away' search for some debt and my address came up as a potential person, without doing any checks they amended their records to add my address to the account. As a result TransUnion then…
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Can this debt be removed from my credit file?
Hello, hoping someone can advise on this as I haven't been able to find an answer online. I took out a payday loan in 2016 due to financial hardship, and wasn't able to pay it back. The debt (£375) was passed to a debt collector (BW Legal), and has been with them since (last 4 years). The debt has been sitting on my credit…
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When does CapitalOne report to credit agencies?
I'm about to recieve my first Credit card (Capital One Classic) and am planning to use it to boost my credit score (I know the score itself is just an indicator in my ability to get credit). I've seen some US based youtubers suggesting that you should find out when your credit card company sends it's report to credit…
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Add CIFAS note with custom requirement
I would like to add a CIFAS note to my credit report. However, I want it to be a custom note that I write myself. I want it to say, "All requests for credit must be accompanied by a fingerprint." It's been a difficult decision because I know it could mess up my mortgage application next year, but I think I have to do it.…
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Familiar fraud/ Defaulted card help!
I’ve recently checked my credit score to find out my dad of the same name had opened a credit card which has defaulted in 2015 with £600 outstanding. I phoned up the company to explain that I have had to change other credit implications on my file as other companies have mistaken me for my dad due to the same name! However…
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Need to go back 20 years
I need to check when a loan was paid off how do I get access to my credit file this far back
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Past defaults + mortgage chances
I'm hoping to get a mortgage to buy a house (first time buyer) in about 12 months. I have about £3000 saved in my Help to Buy ISA at the moment, and when my income increases from September I'll be saving at a much higher rate towards this goal to get myself to at least a 10% deposit. I'm also looking at houses in the…
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Credit Utilisation issue
I recently re mortgaged and part of this process the bank said I had access to too much money and they were not happy. I was advised to cancel or lower my available credit on my credit cards. Some had limits of £8k (I think I have 6 cards in my wallet). Roughly I had access to around £45k but I’d never be a fool and spend…
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Advice on removing CIFAS marker
I requested SAR and I realised that Barclays left a fraud marker (application fraud) on my name. My mortgage application with nationwide was rejected so I was advised to file for subject access request with CIFAS/NATIONAL HUNTER, my credit score was good so I couldn’t think of anything else. I moved into my rental property…
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Applying for a mortgage (should i cancel unused credit card?)
Hello, I’m currently looking at applying for a mortgage and just seeing how i can improve my credit score, if at all possible. Over a year a go i got a Santander zero credit card for a world travelling trip (for emergencies). Over the year i didn’t actually end up using it, so I’m curious to know if this may effect my…
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Struggling to transfer balance to another card
New to all of this so bear with me! My partner has an 8K debt on a Halifax Credit card, all he's paying is the interest each month and the balance remains static. To me this is a no brainer and he is trying to find another card to transfer it to. He tried the MSE eligibilty calculator and the Halifax offered him a card but…
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Do overdrafts count positively towards your credit score?
I've not seen anything on this, but do unused bank overdrafts count positively towards your credit score? For example if I had 2 current accounts, and one offered me a £500 overdraft which I took but didnt use, would that be a good thing? or would it have no effect? Obviously it's not a credit line in the same way as a…
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Can I request a default retroactively?
Possibly an interesting one for you. Back when I was an irresponsible student I got into some difficulties on a retail finance account, which is showing on Equifax as a string of various missed payments in a short time, one of which even shows a string of 222. The irritating thing is that they're now more than 7 years old,…
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Unfair Default
Hello, looking for a bit of help. We had a car on a PCP agreement which was voluntarily terminated under the CCA. The lender, FCA Automotive claimed that they were owed an outstanding balance for what they called value added products and the collection of the vehicle. I believe they were incorrect and that the CCA covered…
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Several soft searches from Gambling Co's
Over the last 3 weeks, I've had 7 soft searches from Gambling Companies, all different. I have no accounts with any of them and I know soft searches don't harm my credit scoring, but I am concerned if I'm being targeted for credit / ID fraud? Any ideas, or have my details just been sold on to a 'sector' do you think? TIA
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Several soft searches appearing
Hey guys Every couple of months I seem to see new soft searches for credit companies, this month it's "creditspring" I make sure not to click on the offers pages from any of the credit file companies, and can't see any accounts created from these searches, but I am really worried about this because of how frequent it is…
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Arrangement to Pay - drop off after date of last payment, or date account was closed?
Hi all, My wife and I have hit a conundrum. We wanted to start looking at mortgages last year, so have been doing a review of our credit scores and reports. My wife found out she has an Arrangement to Pay recorded with Lloyds bank, between May 2014 and February 2016, that appear on reports from Equifax and TransUnion.…
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Confused default date
Hello all. Can anyone please help me with a query on my credit file? I have one default, from 2014 on my report. I fully settled the amount I owed and it is showing as settled on 28/10/14 but it also says 'last updated 16/10/16'. So does this mean the default will be removed from my file 6 year after 28/10/14 or 16/10/16?…
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MSE Credit Club Credit in Use query
Hi I have been comparing my MSE Credit Club data with My Credit card statements so for example the balances do not reflect any of the history of what is on the statements of my two Credit Cards? below is from the MSE Credit club dated, This report 21/04/2020..SMTH BANK with a balance of £19.00Balance £19.00 credit in…
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Partially Settled Debts and Your Credit Rating
I'm looking to tackle the seventh layer of hell that resembles my credit file and i've had an offer from Lowells on two long term debts that i've had with them. If I pay one in full, they'll take a greatly reduced payment on the second to close both accounts. They said that one will be marked as "partially settled" but,…
