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Does klarna negatively effect your credit rating?
I do use it often. I have growing kids so its mega handy for buying them shoes and clothes and spreading the cost over 3 months. I've used them a few times over the years and they've never done a hard search nor does it actually appear on my file. Im planning to apply for a mortgage next year, do you think it would effect…
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Lowell Next Step
I lived in a rented house 2008 until mid 2009 and British Gas was the gas supplier. The boiler was very old with lots of issues and when I came to move out the bill was £1384. I disputed this with the landlord. I moved house and used British Gas for both my gas and electricity from mid 2009 until I moved again in 2017. I…
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Failed credit check for Vodafone broadband!
Oh, the shock! Oh, the horror! I found a more or less acceptable broadband offer from Vodafone using MSE's checker. I found the VF website clunkier than most I use, but persevered to the personal details page and, whoops, got the 'failed credit check' message. VF referred me to Experian if I had a query. They were as…
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soft searches
Hello everyone, Does anybody know what the following soft search means on my credit file, whatever it is I don't think it's anything that i've applied for, it's only showed up on this month's file although it's dated end of April. GB GROUP-CASSAVA ENTERPRISES NC Search for Id Check By Other Public Sector 24th April 2020…
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Default dates
Hi everyone, I am hoping someone here could answer a question I have been unable to find an answer to. I have 2 debts, one to Severn Trent water (start date 2012) and have been making regular payments of 100/month for last 18 months. They call me now and again to try to up it to £190 to make it a 'standard agreement' as…
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Turning 18... credit score
Hello, So i am turning 18 in september and need some advice, i want to building my credit report but don't know where to go to get it started off. I do work and have an okay income can anyone give me some advice as to where to go from there? P.S: i am already on the electoral roll
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I'm 22, how do I sort out my credit score? Please Help!!
Hello, I'm new to the forum and am looking for some advice on how to improve my credit score in order to get a new car on finance as my current car is getting quite old now. So, a bit of background. I'm 22 and employed by the NHS with an average salary of about 20k. My current credit score is showing as 255 on clearscore…
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Credit rating
Got any ideas how to help. I was supposed to pay some money in my bank in March but because of the virus I couldn't so the bank closed my account and I now have a default on my credit rating and as the bank only has just opened I managed to pay back all of what I owe but I'm now stuck with a default on my credit rating for…
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Hard Search for partner's credit
My partner applied for PayPal credit last week and both of our credit records had a hard credit search recorded at the same time. I already have PayPal credit and his account wasn't searched when I applied last year. Is this normal? I thought a hard search was only done if the individual themselves applies for credit and…
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£0 default from Lowell
Hi all I joined the MSE Credit Club earlier this year in order to help me along with my financial stability, and surprisingly I found a default on my file from Lowell Portfolio for the sum of £0 I was genuinely unaware of this until I saw it on my credit file and when I dug into it, it has been settled in 2016 but when i…
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Furniture 0% APR
Hello! My partner and I have recently had a mortgage offer for our new home. The mortgage broker has recommended that we do not take out a 0% APR loan with anyone. My partner and I were planning on getting our sofa only on 0% finance, but now worry this will risk our mortgage offer being rescinded. We can 100% afford all…
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ccj and time
link financial are claiming they took court action and initiated a ccj back in 2009 . and would now like there money , they are stating a santandare / store card approx £1000 never banked with santandare , never had a store card . however . something sticks in my mind , that I have had dealings with link in the past seems…
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Default on credit report
I recently found out while applying for a mortgage that I have a default on my credit file. A member of my family had access to one of my accounts and had defaulted on a payment. This default is now preventing me from purchasing my first home. I have raised a dispute with TransUnion regarding the default. Is there anything…
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Scottish trust deed dropping of credit file
Hi all. On my credit file I have a Scottish trust deed that is 72 months old I believe it leaves my credit file after 6 years so next month it should be gone. So glad to be over that dark place I was in and being in a debt free life is amazing. My question is... what will my options be like for credit cards/car finance etc…
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question about debt to income ratio and how it effects mortgage application
hi, so on a long journey to hopefully getting a mortgage next year. I've managed to nearly pay all my CC debt. The only debt I will have left at the time of my mortgage application will be my car on finance at approx £9k. Now my income is £26906 +/- enhancements, making my debt income ratio 40%. Is this a hindrance to my…
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Beneficiary Trace
Hi. I'm new to this so forgive me if I'm asking this in the wrong place or if my question has already asked and answered before. I wondered if anyone could tell me what the Beneficiary Trace is on my credit score report please? Two were made on the same day. Is this anything to worry about?
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PDLs dropped off before 5 years on Equifax credit report?
Hi, I’ve noticed that 2 PDL’s that I’d stupidly taken out in 2015 (1 in July, 1 in Oct) have been removed from my Equifax/ClearScore report even though it’s been less than 5 years since they were opened or closed. Does anyone know why this is? Should I expect them to drop off my Experian and TU reports?
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URGENT Help Please - Set aside CCJ from electricity provider
Hi, I recently discovered my elderly parent has not dealt with an energy provider this has resulted in a judgement being made as she didn't respond (This was in March 2020). She has now received a notice of enforcement which has caused her to breakdown and is how I have found out. The back story to this is she bought a…
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Should I take virgin media to court? Default.
Hi all, Any advice would be appreciated. In 2017 I moved home and asked virgin if I could take my broadband with me and would it cost me anything? I was told no. On second call I was told the price would increase to 50pcm. I told them I was not happy about it and didn't want that price and would check other providers.…
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Unrecognised Lowell Financial default for £61 on my credit file from 2014
Hello, I have recently been contacted by Lowell Financial Ltd claiming that I owe them £61 from a debt that they say I owed BT back in 2014. I am sure that I didn't owe BT this sum back in 2014 or any other time since, and the address that they have against the file is my parents' house, which I've never had a phone or…
