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Need help understanding my credit score.
I tend to check my credit score at least once every couple of months, the last time I checked (using Experian) my credit score was 935/999 which I was pretty pleased with. Today I checked on ClearScore, for some reason my score on there was awful, I only scored 220/700. I then checked on Experian once again and it remainds…
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Credit and retirement
i was made redundant in february and because i was 55 i had immediate access to my company pension i always take out a new credit card every few years once the 24ish month interest free period ends. i earned 40k, my pension is £27k. i have repaid my mortgage in full, excellent credit rating, never any default yet i have…
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Accessing debt account numbers
Hi all, I’ve recently signed back in to my credit karma account. I’m trying to improve my credit score after being incredibly reckless in my early 20s. There are “open credit accounts” with small amounts of money still owed. I’d like to pay these back but have absolutely no idea what my account numbers are. I racked up…
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BT Default on Credit Report (Advice Needed, Shame on you British Telecom!)
Hi All, Out of the blue, I checked my credit report last month and found BT (British Telecom) had placed a default on my credit report. Back in 2015, we moved house and duly settled our bill with BT. Furthermore, we had our post redirected for 6 months and received no communication that an amount was still outstanding.…
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Will changing my address with my bank (for a short period of time) go on my credit file?
I'm moving house to a shared flat for 6 months before i move into my new bought house, i will need to change my banking address to my new address. I will change my electoral roll when i move to the new bought house... Will that info (bank change of address) show on my credit file? Thanks for your time
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Can I have a mis sold loan default removed?
Hi everyone My partner recently applied for car finance but was rejected, on further inspection of her credit report it appears there was a "satisfied" default notice, however this account has since been confirmed as mis sold by the loan company and she received her refund however its still lingering on her file. Am I…
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Bounce back loans/credit report
Will bounce back loan go onto my credit report with Experian/Equifax
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Experian cannot verify/2experian files
I have been a member of this websites credit club for the past few years. Today I went to go online to check my score and was notified that Experian couldn’t verify my Identity and therefore I couldn’t log into credit club. As I result I went onto the Experian website to try and work out how to rectify this, I was prompted…
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Time for debt to come off credit files
I paid off a all of my debts at the end of March which were split between 6 credit cards. 3 of them are still showing on my credit file as not being paid off. I want to apply for a mortgage this month, will it effect us getting one.? How long do the credit card company’s take to update the credit files. The credit cards…
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Defaults on credit file
I have 3 defaults on my credit file dated from 2017, I hope to apply for a mortgage next year ... is there a difference in what lenders look for in terms of paying the defaults in full or having a settlement agreement so will show as partially satisfied TIA
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BW legal- chasing for debt from 2012
Hi everyone, I was hoping to get some advice from you. At the start of this month I received a letter from BW Legal that I owe money for an unpaid internet bill in 2012 when I was in student accommodation. This is the first time I am hearing about this, and for the last 8 years I received no verbal or written communication…
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Default Removal
Has anybody been successful in requesting the removal of a default? I was in a payment arrangement with Halifax back in 2015 to repay an overdraft after a relationship breakdown left me in financial difficulty. I had been in the payment arrangement for quite a few months until Halifax called one day and said I shouldn't of…
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Whats best to improve my rating?
Following a divorce and a lot of borrowing my credit score hit an all time low, due to the amount of credit. I have never missed any payments and have had the bank account for over 20 years, no CCJ's or defaults. I am striving to pay off my debts within 12 months. As I pay off each credit card (av credit limit £7.5K)…
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Credit cards, Defaults and Existing Customer 0% offers
One of my Covid-19 personal jobs is to sort out my finances. I have gotten myself into a rutt I really want to get myself out of. I was amazing with money, had brilliant credit score then I stupidly spent more money than I had due to a bout of depression. 1. I applied for extra money on my mortgage when I discovered I had…
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Seeing someone else’s mortgage on profile
I move into a house and basically the landlord and myself have the first name, month of birth and year of birth. I checked my profile and I can see his mortgage as it shows his full name on it and I can also see some searches for mortgages as I know he’s looking to buy another house... what’s the best thing to do?
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New to Barclays - £10 overdraft applied almost a week later?
Hi all, I joined Barclays and my overdraft limit showed as zero. For about a week, then one day - I saw a £10 limit on there. I understand it's sort of a buffer but I wanted more info on this since it's not mention anywhere on their website. Is it based on credit scoring and therefore only an option to those who qualify?…
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Getting A Mortgage With Debt Management on History
My sister has been in a debt management plan for a few years now after a marriage break up caused finacial issues, all of the defaults on her credit file are due to come off in the next few months but 2 catalogues type creditors still report her accounts as active but in a DMP, I could potentially help her financially and…
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Getting a mortgage with a Default - anybody had a similar issue?
I am after some advice about mortgage applications and defaults ... myself and my partner have a combined income of £74,000, his credit score is excellent however my score is only classed as fair, with Experian and good, with Equifax and I think this is because in 2015 I had a default with Halifax (this is a settled…
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Can a 14yr old be blacklisted?
My son who has autism, adhd and dyslexia had a bank account with Halifax. He let his ‘friends’ use it and the bank have identified it as a scam account. My son is very vulnerable. The bank have said that they will close the account and he won’t be able to ever bank with their banking group again. I am looking at appealing…
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Ccj on file 09/07/2015
I have a ccj on my file of just over £5000.00 from 2015. I could possibly pay it by December! How long will it stay on my file for after its been paid? Is it another 6 years?
