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Late Payments over 6 Years old on Credit Report.
Hi allOver the Last 6 years I have tried to tidy up my credit report. Last month a Default I had finally dropped off. Today I went to check my Credit Report and Score. I noticed that 2 late payments I have on an old HSBC credit card were still showing. These were in Feb and Mar 2014. I cancelled the card back in February…
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Having Virgin services
Hi we completed on a house last week and we have set up Virgin to install. It will be in my partners name and they ran a credit check which was fine. Now I know you shouldn’t get too much credit initially and we have that and don’t think anything else has performed a credit check. I am trying not to spend on my credit card…
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Change of account type
Hi all, I have recently upgraded my account from a basic account to a current account with Halifax. The basic account I had was not on any of my credit reports with any of the credit reference agencies. Looking through previous posts I have found there was a problem a few years ago with Halifax updating credit reference…
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Unknown charges to my account
I have recently been receiving charges in the amount of £19.95 to my bank account. The company charging the account is Credit Report Matters. They have stated that I have signed up for a membership although I have no recollection of this. Can anyone advise me here? I have seen somebody has previously had the same problem…
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Different information on my credit score
Hey, I am looking for advice, I have been keeping an eye on my credit score and it is showing my sisters name and credit cards/loans on my account, I have deleted the account and reset it up, it ask questions that would only relate to my information so I have no idea how it's getting her address and information on mine. I…
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Experian and Link Financial
Hi - I hope everyone's doing ok. I've had a search through the forum but couldn't find an answer so here goes. I received a letter from Link Financial a couple of months ago saying I'd defaulted - on what I don't know and I had no defaults showing on Experian - so I sent off the standard proof of debt letter to them. I…
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Stepchange dmp and default debt
I have dmp with £8I outstanding. I read that once the defaults drop off after 6 years that debt cannot be chased. So does that mean I dont have to pay the remaining balance and it wont effect credit going forward?
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Credit Karma AML Search
I have just seen an Anti Money Laundering search on my Credit Karma credit report by Paypal. No real issue there as I have a Paypal account. However, it shows my date of birth differently on the Credit Karma app and on Credit Karma online. All of the other details are identical including the search reference number. It is…
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Car insurance - monthly payments not an option
Dear all, I have renewed my car insurance and always pay annually. However when paying today the car insurance company informed me they were unable to offer me monthly payments and that I should get my experian report to find out why. I am part of the credit club for MSE and I had a look, there is nothing on there that…
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Cancel or Keep?
Hi there, My wife and I recently remortgaged and borrowed an extra 10 on top to clear our credit cards that were coming to the end of their interest free rates. All three cards have now had their balance cleared, each one around 3k. We plan to just have one joint card now for emergencies. What's best for our credit rating…
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How to best deal with a default
I have a default on my account from Feb 2016 for £2,200. This has significantly lowered my credit score. Its from Lloyds bank and it has been passed to PRA Group. Equifax has counted it as 1 default. Experian has counted it as 2 defaults (one for Lloyds, one for PRA Group). I want to: 1 - Clear the debt at the lowest…
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Father's CCJ on my credit file!?
Hi, I'm hoping someone can offer some clarity... Essentially, my Dad received a CCJ last year which hasn't been paid and has appeared on my credit file. Although we share the same first and last names, I know the CCJ is not mine because Northampton County Court confirmed it was issued for a parking fine on my Dad's car in…
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Partial Settlement and Credit Rating.
I am after clarity as to whether a partial settlement of a debt remains for six years after the payment date or for six years from the date that the account went delinquent. I have 7 years of missed payments on the account but it's not defaulted. Idem have accepted my full and final offer today so I'm wondering how this…
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Missing credit account on file
Hello, I am in the process of trying to apply for a mortgage but could do with my score improving a bit more. My credit account with Sky (tv, bb, phone and mobile) and also my gas and electricity provider, Simplicity Energy, aren’t showing on my report and they have been consistently paid for 3 years. Does anyone know how…
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Payment question
Howdy! I'm not sure what to make of my experience today purchasing a hi fi amp from richer sounds . Brief background : was on a dmp from 2012. Paid off settlements in 2017 . Moved into my new flat in 2017 . Anyway, I was just giving the details of my vanquis card to pay for amp. Then it got declined 🙀 So I thought it best…
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Arrears payment
Hopefully someone can help. i have recently checked my credit score with Equifax . I have 2 old outstanding accounts with Virgin Mobile from over 10 years ago. i understand that if I defaulted these would have disappeared off my credit report years ago however the way virgin report these files is that the account is 6…
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Will there be a debt reset of everything
The debt problems in the world were massive before the crisis now they are beyond the point of no return the debt problem in the world has no way out, all they can do is keep growing the debt which makes the problem worse will the be a debt jubilee or debt reset? not just the banks and sovereign debt but what about the…
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Is Having my Partner's Name on a Utility Account Affecting my Credit Score?
Hello all, I have noticed that for a long time my credit score has pretty much stayed the same and not really gone up (or down fortunately). I've been trying to figure out why this is and when recently checking my score on Credit Karma I thought I'd do a little digging. I've long been aware that having shared bank accounts…
