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Wirex account setup - credit search?
Hi, I’m looking at setting up a wirex account for minuscule investments in cryptocurrency as an attempt to further familiarise myself with it... however I am wondering if setting up the account is likely to involve a hard credit search as we are in the process of moving house and so mortgage application has been approved…
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Identity theft - shop direct
Hi, looking for some advice for my current situation ideally someone with a similar experience who managed to resolve it. My partner and I are looking to purchase our first home together and will need a mortgage. As such we have been checking our credit scores, in my case I received a notification of a hard search from…
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Accounts - Which to keep, which to cancel
Just after some ideas on my accounts as I am currently busy tidying up my credit file in preparation for a mortgage application hopefully within the next 2 years. The remainder of my defaults from my previous DMP will drop off in January and before next year is done all debt will be gone, including my car and phone…
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Mobile phone provider adding defaults after contract end.
I'll try and make this very simple. I took out a 24 month contract in December 2017 with Vodafone. 8 months into contract I disputed two call charges - my account was suspended and then terminated after I stood my ground. Mobile phone provider, without my consent, transfers my account to a Pay As You Go, which is still…
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Hard search. How often
Recently around 2/3 months ago got a new credit card In Jan/feb I opened a new current account. (Small overdraft) I have 3 other currents from a few years ago and another credit card. I only use the credit cards and pay back via Direct debit. No debt. Will it impact my score if I do another current account switch for the…
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Renting- soft search- please help!
Hi there, I'm looking for help particularly from anyone who actually performs these searches. My credit score is Very Poor currently. This is because I am paying off debt via an informal debt management plan and it has wld to some defaults due to my income being split equitably between lenders. I don't use any credit any…
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Credit score 83% all CRA except equifax at 50%?
I’ve done all things “right”. Credit card since 2006 (aged 18) - paid in full and on time each month. On bills, on electoral roll. Use less than 25% for at least 10 years (with one or two holidays pushing individual cards to 50% once or twice - never over and still 25% of credit max.) overdraft not used for 10 years. No…
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Store card debt and credit score
Hi, I have 2 store accounts at around £1500 each; which a couple of years ago would have been fine when I was married and there was 2 salaries in the household. However now we’re separated therefore only one income. Fast forward to now and looking to move to a new flat. I’m aware my credit score is not the best, I missed 7…
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Default on file - possiblity of getting it removed?
So I'm just here looking for some advice on what to do about this, if there is any chance with the financial ombudsman. Here's what happened:Two and a half years ago I left England (with a really good credit rating) and moved to Australia for what we thought was going to be a year. This turned into two years and I returned…
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Default payments with 02
Hi, Like rjrdunlop95, I’m also experiencing a similar problem-but with 02. An elderly relative had an additional line on my account which I happily set up to help her. 5 years ago, when I was applying for a mortgage I asked her to take on responsibility for the number as I wanted to reduce my outgoings. We went into store…
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Plusnet saying I owe them money....3 years later?!
Plusnet have, 3 years after I left them, decided that I owe them £92 from my contract. I only noticed because it came up as a default on my credit report [on this website when I checked] couple months ago; they didn't actually let me know. When I ring them up they say I can't pay it via them and it's with a debt collection…
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Link financial
every yr for what seems forever I have recieved a "xmas card" asking for £1 150 ,(I do not reply) I have no knolage of this , 2 weeks ago they actually rung me up , so I asked them what this was about and who was the supposed creditor the incident seems to have happened in 2009 , and was with santander (?) I immediatly…
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Cash Transaction
Hi, I recently bought some crypto coins using my Credit Card without realising this would be treated as a cash transaction. I’m concerned now this will show on my credit report and impact future mortgage applications etc. This will be the first cash transaction and is only for 3x small amounts. Other then this my credit…
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Notice of Correction - Electoral Roll Info
Transunion and Equifax didn't have my up-to-date electoral roll info (been on it at my current address since the end of 2018). I assume it's because the Royal Mail and Council use different addresses for my flat. It's a two-storey flat, Royal Mail refers to Basement Flat, Council refers to Ground Floor and Basement.…
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Default
Hello can anyone help please I am in process of trying to clear up my credit file to hopefully be able to get a mortgage some point (not immediately hoping possibly end 2021) I have noticed i have a defaulting utility account from a previous address. Default start date is 1/2/17 and still reporting monthly default now. I…
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Default advice
Hi all, I was hoping some of you guys could give me a different perspective or play devils advocate to my current situation. I defaulted on a credit card 3 years ago, I was in zero hours contract temporary jobs and used the credit card for every day spending to get by. I owe 5300 to Barclay card, at the time I defaulted I…
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Checkmyfile
Hi, has anybody used checkmyfile.com? I just wanted to know if their monitoring service was any good and worth the £15 pm. Thanks
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Argos Card Default
This is the first time I've posted anything on this forum and would appreciate any help. This morning I received a letter from Argos. It was a trace letter asking of my whearabouts. Straight away I got on the phone and found out that I owed them £69. Stupidly I hadn't notified them of my change of address (every company…
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Massive Hit On Credit Score By Hard Searches
So my score was hit by -70 points last month as I had a hard search against my record by BT and Talk Talk, yet this month (after a BT install) it only goes up by 15. Bit annoyed but hey ho.
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Will this be a positive factor?
Hi Everyone, I am about 4 payments away from paying off a personal loan. I have made the £250 payments on time, each month for almost 4 years. Will paying off the loan be considered a positive factor for my credit score or will it make little difference? I am also aiming to pay off some other little debts so I should have…
