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Credit card missed payment
Hi, I was wondering if anyone could help. I have a credit card where I have recently had a missed payment which in part is my own fault but worried about the impact this will have on my credit rating. Last month I made a more than adequate payment on my credit card 2 days before my statement was due. I was always under the…
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Notice of correction instead of removing financial association
I recently contacted Equifax to remove my ex as a financial association as the account we once shared had been settled for many years and we have no current financial links. I've just received an email from them saying that I'll receive a notice of correction on my file. Is this normal, and if not, should I reiterate to…
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Frequency of credit file update
Does anyone know how often experian updates? and how many credit reports you can produce in a day to reflect this? Waiting on a mortgage offer and im trying to see if the hard search has been done, logged onto experian middle of last night, which produced a report for today, would this mean that any other times i check my…
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credit file confusion - help!
Hi Everyone. Back in May I noticed that our mortgage provider, HSBC has applied a late payment marker to my credit file. I discovered this when I logged on to my MSE credit club. We had successfully applied for a payment holiday so I contacted the bank who apologised in writing ( via secure message) and said that they…
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Help needed in assisting a friend with fraudulent CCJ
Ladies and gents. Please bear with me whilst I try to convey The situation. He is very much out of water , and over 120 miles in the North of england. Ok, A CCJ has been placed upon Dave registered at his parents address. He was only made aware of this when the letter hit the door mat whilst himself and wife were getting…
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Default on credit score with Vodafone
Hi, I apologise in advance if this is a bit long winded. I had my phone contract with Vodafone, and my ex husband had a line on my account. When we separated last year, my contract was at an end, so I switched providers, however his still had 5 months left. To try and be as amicable as possible, I allowed him to continue…
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Anti Money Laundering ID check
Hi, I need to some advice on an entry that appeared on my credit report. It came up as ‘Anti Money Laundering Identity verification’ and was performed by the BG Group and initiated by Cassava Enterprises Nc. I can see that Cassava Enterprises own many of the online gambling sites none of which I have ever used. I am…
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what difference does it make if a promotional balance shows as non-promotional?
I just checked my MSE credit record and one of my credit card balances which is at 0% is shown as a non promotional balance. Is it worth raising an issue with Experian, or should I leave it? Finishes in February and I'll probably want to transfer part of the balance [could pay off if I can't get another deal] The other two…
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Financial probity check
I’m a us citizen living in the uk. I’ve just revived a job offer at a larger bank. Security watchdog who is doing my background screening asked for my ssn in order to conduct an international probity check. Any idea what this entails? Thanks!
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What if you don’t fit the boxes?
I’m a homeowner (as I am buying a house for retirement and have a mortgage) but my current and last two jobs before that have been residential where as part of my job I have to live on site. So am I a homeowner or a renter for completing the credit check forms?
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Credit file showing credit card cash withdrawal
Hi Applied for a mortgage through a broker who advised today that my wife’s credit check shows cash advances on a credit card approx 40 times where she needed cash and used it unknown that it’s a big no no on your credit score so the lenders have declined us. Any advice on how to get these off the credit report would be…
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HSBC late payment?
I have a credit card with HSBC. Card stolen last week and cancelled. New card received yesterday but no Direct Debit taken yesterday as it normally would be. When I listen to telephone banking it says received but nothing has gone from my Halifax Account. Will this go as late payment?
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Cash withdrawal affecting credit score
Hi Went for a mortgage through a broker and they have declined due to a credit card having 40 odd cash withdrawals on for small amounts so that was a big no unknown to us. Is there anyway I can get that sorted or off the credit file I have paid off the card today and will phone the card but I wanted some advise from one of…
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Am I living with parents?
On insurance quotes and credit applications who am I? Choices given are “home owner”, “living with parents”, “renting unfurnished” or “renting furnished”. I currently live with my partner (not married but been living together for over two years) in his home which he owns (with mortgage). I contribute equally to the living…
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My son has done wrong in the past and now is having trouble starting a fresh start
My son and I are having trouble finding a basic bank account or prepaid card, due to his past troubles. So he can have wages or benefits into. When he was 16/17 he got involved with a county lines drug gang. Who got him involved with drug running, dealing and money laundering. Around the same time we opened a bank account…
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53 Aliases, 12 years old. How is this allowed from Experian?
I’m not trying to hide from anything, my credit score is excellent. When checking my report I noticed 53 aliases. This concerned me as I have been married nearly 12 years. Not one of my accounts listed, new or old, settled or active were ever under my old name. All of my accounts have been open since marriage. Also the…
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Do sky perform credit checks on the there TV and broadband packages?
Looking to get sky TV & Broadband but don’t want to add anything onto my credit file
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CCJs
Myself & my husband are wanting to move house (renting) so I checked both of our Experian credit reports. My credit score is good with no CCJs. However, when the lettings agency did a credit check using Experian, they said there was a CCJ registered against me and refused to let the tenancy go ahead. I know nothing about…
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Defaulted nearly 3 years after DMP started
Hi, As the title says.. have been with Stepchange since July 2015, so over 5 years! Have never missed a payment. NEXT have defaulted me April 2018. I questioned it & they replied saying this, "If Stepchange didn't make us aware that you require a long term plan (longer than 18 months) then your account would of been put on…
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Getting a CCJ set aside
I know this has been covered already as I can see a thread of people saying they’ve been successful but I can’t find the advice! If someone can point me in the right direction I would be very grateful. The background: I received an email to say there had been a change to my credit report back in February, I signed into…
