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Yes Catalouge Issues
Hi, I'm sorry if this is the wrong forum to use, but couldn't find one I thought was relevant to my query. Basically my mother ordered a dining room table from this company in April. You have to make 12 weekly payments to them and they will deliver the goods after 6 weeks once you have shown you can pay. My mother has made…
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Natwest default.. 'poor'credit rating
Hi, I'm currently trying to remortgage a BTL property but my broker is having problems because of my 'poor' credit score. In 2004 i had a student account with Natwest and i got a BTL property with them in 2011 which i then sold in 2017. I only used this bank account to pay mortgage payments and once i sold the house, i…
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Equifax
I have had a capital one credit card for over 5 Years but it has never shown on my Equifax account so companies like credit wise don't see the card. I also have my mobile on a contract and that doesn't show either. Is it the credit card company that informs Equifax or me and can I do it for free?
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Paying car insurance by credit card
Hello, I have finally decided to start getting my head down and build my credit score to buy a house. My car insurance is due soon and I was wondering if anyone knew if paying for car insurance monthly from the insurer is better for your credit score than annually? If so is it a good idea to pay the monthly instalments by…
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Equifax and Sky
Hi all. First Post here! My wife and I attempted to get an iPad through Sky Mobile swap 36 last night, but the credit application was denied. Quite shocking, never had this before and our credit is excellent according to MSE Credit Club (which is Experian). She also did the same and was denied. However I tried to sign up…
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I’ve got a good credit score, but my credit card and loan affordability is weak, please advise?
Hi, I posted a similar post in credit cards earlier about me buying a campervan and paying for it by part by 0% credit card. I applied for the M&S Bank credit card (0% interest for 20 months) but was only given a £2,000 limit. So I’m looking to apply for another 0% credit card. Just had a look at my credit file, my credit…
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Confusion with statute barred debt
Hi, Is the 6 year limit from date of last payment or from the default date? Thank you
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Address discrepancy / electoral roll
Hi, We've recently had Nationwide mortgage DIP declined due to poor credit report. I signed up to check my file advised from someone here (thank you) and the issue is the number missing from my address so it states we are not registered on the electoral roll. I have contacted the council and they have amended my address on…
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Free Credit Reports / MSE Credit Club
Hi,Had been given a free Credit Karma credit report by my old credit card provider - Asda.Thought it was a good service, but after Asda closed their card 6 weeks ago, we opened another one with a new provider, yet today the credit report still shows an amount still listed on the old Asda card but no mention of the new card…
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Defaulting advice
Hi All This post goes against my morals, however having weighed up all of the options, and having decent quality of life, unfortunately it seems the only course of action. Currently I have six credit cards, three of which I'm about to clear at the end of the month. My financial situation has changed due to my partner…
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Will I need to declare credit check failure?
On Friday last, I tried to open a British Gas account. I messed up on the previous addresses I gave (in good faith), and was told I’d failed the credit check so I had to reapply in 60 days, basically, computer said not! I instantly ran an Experian credit check on myself, it came back as 979 out of 999, I’ve no loans, no…
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Missed payment on credit file
Good morning everyone. I have a problem which Im hoping someone has a bit of knowledge on. I have a 12 month £10/pm sim only deal from BT for my daughters mobile and about 2 months ago I cancelled the direct debit thinking that would cancel the whole thing because we have had it for well over the 12 months and hadn't…
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Cannot view full credit report - Credit Club
Hi, The credit club full report function does not work for me, and has not for a few months now, with the try again later being shown when I try and view the full credit report. I reported to Experian, and they sent me the 'take it up with MSE' Apart from the FAQ's I did not see anywhere on the MSE credit club site. Any…
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Credit file worse now accounts being paid
I started a debt management plan in 2015 with Stepchange that was around £19k with 7 creditors. Most of the debts on the plan defaulted around a year later, with a couple defaulting in 2018. My DMP payments have continued and it's due to be fully repaid by March 2021. I've noticed however that since some of the defaulted…
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Paid off mortgage. Credit rating dropped. Really?!!
Hey all, So I’ve come a long way from having financial issues 11 years ago, to have now paid off my mortgage. The Experian credit score from the MoneySavingExpert Credit Club hasn’t registered the change yet, (it’s still at 999) but I also have a Credit Karma account, which has dropped by 7 points due to “a change on my…
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Surprise BT defaulted account
Hello all, Upon trying to get credit recently, I was shocked to find that I had large blemishes on my credit file that effectively stopped me from ever passing a credit check. One was an unsatisfied CCJ for a parking fine I didn't know about (filed to an old address) which I've pursued having set-aside (result tbc) and the…
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Change of name
Hi, I have recently changed my name and my bank/lender/electoral register has been updated. My question is (and it may be a silly question!) suppose if a credit check or identity check was done under my old name, would the check fail?
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AP markers on Equifax - will it affect mortgage application?
Hi, This is my first post on here so I do hope I've posted in the right place. After a bit of advice - we've just put in our mortgage application for a shared ownership new build with Leeds Building Society and the hard search has been done and valuation instructed etc. I've always used Experian and Credit Karma to check…
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How do closed accounts affect your creditworthiness?
I've read that if you close a credit card with a good long history, you'll "lose" this history. But isn't it still visible for several years on your credit file among closed accounts? So how much weight do closed accounts really have? I guess it also depends on when the account was closed, whether it was a month ago or 3…
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Help - British Gas default - money not owed!
Hi all, Hope someone can provide some advice as I am currently having a major panic due to a default that has suddenly appeared on my credit file. British gas claim that I owe them £130 from a property that I moved out of in 2011. The default was not applied to my credit file until 2014 into 2015 (where 6 missed payments…
