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Mbna money transfer
Hi, I have 12 months interest free cash transfer on a mbna credit card, would doing a transfer for say £600 and paying off at £50 at month improve my credit score?
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A debt from 11yrs ago keeps being added back on to my credit file.
Hi Guys, I am looking for some advise with regards to a debt with JD Williams from back in 2009. This debt from 2009 with JDW was added to my credit file as missed payments due to me not paying them. They have never done anything about the debt other than send me letters demanding payment and saying I’ve missed…
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Virgin Media & Hard Credit Check
Hey all, Hope this is the right place - forgive me if not - I am new. I have just moved into a new house and signed up to Virgin Media internet in April this year. They did a hard search on my credit file, and proceeded to set up the direct debt. A few days before the service was due to begin I got a call saying that…
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Credit card late payment fee returned as goodwill gesture - will this improve credit worthiness?
Once the impact of Covid-19 on the housing market becomes a little clearer, hopefully in a few month's time, I was planning on buying a house, so I decided to check my credit report. I noticed that there was a late payment notice against my Nationwide credit card from end of January this year, which I hadn't been aware of.…
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Debt reappeared on credit file
I had a debt with Lowell that was defaulted over 6 years ago and was removed from my credit file recently. Today it has reappeared on my Clear Score (Equifax) account and rather than saying defaulted it says disputed. Any help would be much appreciated.
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Applying for a mortgage with an incorrectly assigned credit default
In January this year I started looking to buy my first house. Before I went down the route of applying for any sort of mortgage, I checked my credit score with Clearscore. This showed that I had a credit default against me from Scottish Power for £1,200. The credit default against me was because of an unpaid energy bill…
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Is there a better time to offer a full and final?
Hello, I was wondering what peoples thoughts and or experiences are about offering a full and final to debt recovery agencies. From experience in working in a target sales industry, i wondered if say mid to end month might be better if they need to hit target. Not sure how it actually works...thoughts welcome. Thanks.
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Old Debt
Hello, I am new to this forum so apologies if this has been done before. I have 3 old debts with Halifax, a loan, credit card and overdraft that were sold onto 3 debt collection agency over 6 years ago, they are Capquest, Robinson Way and Wescot. I have been paying these every month for the full 6 years and on checking my…
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How do I get a credit rating again
Hi I’m not sure if this is the right place to ask just looking for some advice on how to build up a good credit rating. I had debt for many years and entered into an insolvency agreement which is paid off now, I have no other debt and have savings of £4000 in my bank now. I am just wondering what would be my best way to…
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Error on report
hi, i have a missed payment from mbna dating from December last year. To my knowledge I never missed the payment (it was 6 pounds left on the card!). I've disputed it with mbna who basically bounced it back to my bank saying they were unable to collect. I contacted my bank who couldn't really give me a reason other than…
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Incorrectly updated credit file?
Hi people! so I’ve been debt free now for up to a year almost, I paid off my last debt on dec 16 2018. I am currently under going a mortgage application, and the financial advisor has delved into my credit file and found an account “satsuma loans” which was a pay day loan company, now I paid that off IN FULL, in December…
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Default Removal Question
Hi, Hoping someone can help here as I'm quite confused! I have a default on my account from being a silly boy. On my credit report it says 'open 1st Feb 2014' and also 'updated '21st Jan 2015' Should this have been removed on the 1st of Feb due to it being 6 years old or will it be the updated date? If it should have been…
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Fraudulent mobile phone contract in my name has left me with a default on my credit score
Hi, I'm looking for a bit of advice as I'm unsure of what to do next, and I would like my next move to be in my best interests. I logged in to CheckMyFile today to discover that my previously good score of 831 had plummeted to 607. I was dumbfounded, I'd worked hard to build my credit and I'd been very careful. Upon…
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Paid for vs free access to credit report.
Good afternoon as per the title really.. ive been watching my credit report via equifax for free for a few years now....never paid for extra services etc etc so I’m wondering do the extra services provide any additional information that the free service doesn’t. thanks
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Poor credit mortgage
hi I’ve been reading these answers for years but not sure I’m posting correctly , I hope I am. I’m really hoping for some advice about my partner and his credit score . To cut a long story short he spent the entirety of his late teens and early twenties borrowing whatever he could from all sorts of companies , his mental…
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Address Issue
Hi, I am hoping someone can shed some light on my issue. I am moved to a different area end of August last year and since then every time my credit score updates my new address is not showing to change it to. I have noticed also that all my accounts, current, mobile and credit cars are still showing my old address. Not…
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Soft search
What can people see from doing a soft search on your credit file ? Are they able to see missed payments and defaults ? Or is it just ccj and bankruptcies etc? Cheers Ben
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Tenant Credit checks
Hiya, im currently renting through a private landlord but I am looking to move out into a bigger place with my partner. I was just wondering what the letting agent can see on the credit check as I have pretty poor credit from missed payments and defaults and am I am worried im Going to fail the referencing. Any insight…
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MSE Credit Club Update - Affordability Score
Hi all. I'm thinking of remortgaging now to lock in a low rate for a while. I got my MSE Credit Club update email the other day and when I logged in, my loans and credit card affordability is suddenly very weak, despite previously being very good and nothing really having changed since last month other than a pay rise…
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Newday credit card debt sold to Link
I have a credit card debt that has been sold by Newday to Link Financial. I don't dispute the debt but I'm not sure how it should show on my credit file. At the moment it shows as a credit card debt with Link Financial with a zero credit limit. The debt is £1300 so my credit file shows I'm £1300 over limit.Is this right?…
