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Did Klarna, NS & I or the Coronavirus SEISS Payment Lower My Credit Rating?
I just got a notice from Credit Karma to say that my credit rating went down 11 points. On reviewing my credit report, the only search that has been done in the last 3 months is a soft search from Klarna done yesterday. One online retailer that I buy from every couple of months offers Klarna as a service, but I never use…
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How to set aside a CCJ?
Hi forum, This is a plea for help! I have a CCJ from July last year which I need to set aside somehow. A little bit of background - I am a sole trader who took a deposit for a job last year,was delayed in starting the job and was unable to repay the amount in good time. The claimant took me to court and I used the online…
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Default added by azzurro associates
Wonder if anyone can help. I've had my monthly update from my credit reference agencies and had a default added by a company called azzurro associates. Have anyone heard of these? The strange thing is that on one file it's listed as a utility another under financed lease. The only finance I had was with specialist motor…
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Credit Karma hard search made - no idea why
Email recently from Credit Karma: Hi ,A credit application came through on your report and we wanted to make sure this was definitely you.Not you? Check who searched you and contact them. Account shows this: Alert status: Hard credit searchLloyds Bank PersonalCurrentAccounts7.2(CR BSB API) has carried out a credit…
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Credit files not updating
2 months ago I paid off one credit card in full (6k on Barclaycard) and moved 10k from MNBA card to a 0% deal on Tesco CC. The 10k on the new card showed on my credit report literally within 2 days, but the 6k Barclaycard AND the 10k on MBNA still also show on my credit report - inflating my debt by 16k. What's even more…
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Littlewoods missed payment
So I have a Littlewoods account which I currently have a balance of £0 on. I got an email from Littlewoods saying that the minimum payment of £8 needed to paid, given that I didn't want this to hinder my credit file I made the payment and am now +£8 credit on my account. However, a missed payment has gone on to my credit…
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Checking accounts/ loans taken out at my address
Does anyone know where I can register or obtain regular reports to inform me if and when bank accounts/ credit card accounts and/ or loans are made by anyone against/ using my home address please? Thank you
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No previous address, how do I up credit?
Hi everyone! My partner has literally no credit, due to all of his adult life either sofa surfing, living with exs or suffering with homelessness. This means he has no previous address history. Due to this, his credit score is none existent! He has now been in accommodation for around 6 months and is on the electoral…
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Impact of Credit limit on future loan/credit/mortgage application
Hello - I have a question about the impact of my credit limit on applications for things like loans and mortgages. I have a credit limit of £43,000 across 6 credit cards. I have a balance of £13,000 split across them. One is closed. Four are 0% cards which I pay off monthly so that at the end of the interest free period…
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Overdraft impact on credit score
I have a very low credit score and I've been working hard for the last couple of years to increase it. I have just been accepted for an overdraft with my bank for £1,000. I was quite surprised I was accepted to be honest. I just want to know how this affects my score. Would it be best for me to never dip into it or would…
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Account and hard searched removed.
Hello everyone. I got an email to say that I have a new alert on my clearscore credit report. It says that an account will show as closed next month and thats my barclaycard. I haven't closed this account and I have 0% until September 2021. I do have a balance on it at the moment. Also the hard search for that was removed…
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Address problem
Hi, The address at which I am registered on the electoral roll dosent show up on the royal mail database despite them telling me its there, and therefore the credit reference agencies won't update my address on my credit file, and I want to apply for a mortgage soon but I'm worried I will be turned down because of this, do…
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More credit = more score?
Hi all, Although I have a good idea of what I need to do to improve my credit score thanks to MSE Credit Club and the guides on MSE's website (and some experience), but I was curious for once to see what Credit Karma had to say: according to them (or possibly TransUnion who their credit score is based on?) having a credit…
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Question regarding old debt
Hi everyone I have an outstanding amount owed to Yorkshire Water. It's approximately £200. I am paying this back at £5 a month and I contacted them yesterday to check the current balance. They couldn't find the debt initially, then told me that it was "written off". They then called me back and explained that there is an…
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PayPal credit checks
Hi, My husband has applied for PayPal credit. This is fine but I then got a report saying that PayPal have done a hard search on my credit file. We are linked financially as we have a mortgage together but our PayPal accounts are not linked. Can anyone explain why they may have done this? Is this normal?
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Old bank account
Hi there I have an old Bank of Scotland account which was open 2008. There is a company called 1st Credit saying I’m due £543 which to my knowledge was paid in full away back 2016/2017. My credit file says it’s Settled 2017 and I have nothing else on my credit file. I live in Scotland and seemingly the account in question…
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Extending Overdraft?
Hi all, Just a simple query about hard searches and overdrafts. Basically, I have a £500 overdraft on my primary bank account with TSB and would like to apply extend it to £750. I understand that when applying for a new credit product, a hard search is recorded on your credit file, but if I apply for an extension of an…
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First Direct missed payment markers for bounced DDs
I only just discovered that FD are one of the few banks to do this. I had 10 bounced DDs over the course of 3 years (2016-2018) with First Direct. Despite all these DDs being paid in a timely fashion (within hours or a few days) I have 10 "missed payment" markers on my credit file. I think these markers are going to stop…
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Should I put my friend on the electoral roll at my address?
hiya. My good friend (a university lecturer, 999 out of 999 on experian (I've seen the report), money in the bank) is about to finish getting divorced and selling her house. She has the option of living abroad for three months and will want to buy a house when she returns to the UK. She has been advised that although…
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CIFAS have me down as a fraudulent customer?
Hi Moneysavinexpert. Was turned down by a bank and told to get a DSART from CIFAS. TSB have me marked down as fraudulent from 2007, and HSBC last year, both for making an application but "not disclosing another address with adverse credit." I was going to contest direct with them as this is not right, but from what I have…
