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Can use Credit Club but can't use Experian directly
Hello For some reason, I can use Credit Club and see my Experian score, but when I signed up for Experian directly it refuses to even let me join and says I do not have enough information on file (something to that effect). I cannot dispute it or do anything about it... Why is this, or why could this be? As first time…
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CCJ given to me after bankruptcy
Hi,In December 2012 I declared myself bankrupt, I had a lot of help from the Citizens Advice Bureau and i listed every debt on the petition. I had my house repossessed and moved into rental accommodation and again moved in 2013 to my current address. In January 2016 I was taken to court and given a CCJ. I was told that…
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Bits credit app
Hi all My credit score is not great so my friend suggested I use the app which helps to build your credit back up again. Have any of you used it before and would recommend it? I have my own house (owned no mortgage), am self employed, not on any benefits, have no credit cards - I did when I was in my 20s and got into a lot…
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BA data breach compensation claim.
Apologies to all if this subject has already been talked to death, but I only recently became aware of the BA data breach compensation lawsuit which some firms seem to offer. I am trying to make up my mind whether it is worth and fair to actually pursue this. Is anyone else claiming compensation and what is your story. Do…
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How to correct Experian credit file error?
'Sadly, it’s likely you’ve little free cash, so lenders probably think you can’t afford to borrow much more'.So the Credit File states for loans and credit cards, both show as V Weak. This is frustrating as I do have free cash available, obviously I am not saying how much! I have no debts, no mortgage, little fixed…
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Impact of maxing credit card out to save?
Between all of my credit cards, my credit limit is just around £60,000 between five cards. My highest credit limit is with Barclaycard at £17,000 with £0 balance, and I currently have an offer of a money transfer with 0% for 18 months with no fee. And I'm debating taking £15,000 and saving this between various savings…
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Late payments
Hi all, Long story short Iv been in a big of a mess with credit. Managed to get on a DMP 2 years ago and start paying it all off. I have a question. Lots of the loans have defaulted (still paying off even though they have defaulted) but on a monthly basis there are 3 loans that are leaving late payments still in my file, I…
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Missed payment marker straight to Stage 6 - is this allowed?
Hi,My partner has a Stage 6 missed payment marker on her credit file from a utility company. However there are no 1,2,3,4 or 5 markers, just straight from green "up to date" ticks, to a 6 month marker. I'm confused about how an account can go from being up to date to 6 months late within a month, is this allowed?
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Default removal query
Hello, I am looking into the feasibility of getting a default removed, as it appears to be the only issue blocking me from obtaining a mortgage (according to my advisor). The default was on a private loan w/Nationwide (approx. £5,000) in Aug 2017. It was subsequently paid in full in Feb 2019. What was curious to me at the…
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How much compensation should I allow for my time in a complaint
Almost two years ago, my high street bank made a mistake which resulted in multiple markers on my credit rating. Because of my unusual circumstance at the time, this cost me a tremendous amount of money. The bank initially refused to take responsibility, but after a LOT of phone calls and eventually an email to chief…
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How much impact does opening a joint account have?
My partner and I really need to open a joint account but I suggested doing a credit check first because my score is low and I didn’t want to negatively impact his by being associated... However, turns out his is lower. I’ve been steadily building mine for the last year or so and got it up to 275 and his is currently at 180…
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Default to Stage 4 Delinquent
Hi Everyone, I have a dispute with Talk Talk for a default they have given me. After a battle they have apparently removed the default status and now I have something called a delinquent stage 4? What's annoying is the default came just as I was finalising my first mortgage. The default got the mortgage offer revoked and…
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Advice Needed on how to approach a serious problem...
Hi everybody, Firstly, thank you for taking the time to read this. Let me give you a bit of background - My father doesn't like technology and is very old-school in terms of money. Had no debt, no contracts, nothing. He paid with cash and if he couldn't pay cash he wouldn't buy it. The only debt he has ever had was his…
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Marks Spencer
when I applied for a credit card I was declined they said that I held a card already with them. However that is an old credit card debt I had which was in an IVA which ended in 2016. Surely they can't keep records after 6 years? My IVA started in 2008 which was when their credit card was included. Under data laws are they…
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PayPal Credit default assistance
Hello all, I was hoping for some guidance before proceeding with my current dispute with PayPal Credit. I wish to lodge a formal complaint regarding PayPal Credit and how they have conducted themselves and more importantly negatively impacted my credit file, which up until today has been impeccable. On the 1st October…
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Debt collection, ombudsman, credit report...
Hi I am currently in a dispute over a BT bill - it is being investigated by Communications Ombudsman. Unfortunately, BT have not paused payment process and are threatening to refer me to debt collection agency. My 2 options appear to be: a. pay bill now, and hope for am Ombs decision in my favour and possible refund -…
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SIRA - N Hunter and CIFAS aren't alone
This might be useful to anyone already aware of CIFAS and N Hunter, and anyone who's had a credit application turned down for "inexplicable" reasons. CIFAS and National Huter are fraud prevention agencies which can hold information about us which leads to future applications for credit being declined even when our credit…
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MS Credit Club income question
Hi All, i am just trying to sign up to the MS Credit Club and i have a question regarding the personal annual income field. Do i include Universal credit payed to me and my partner? The info mentions 'e.g. Work, pensions, benefits' but unclear if this means universal credit Thanks in advance.
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Missed payments reported on credit file question
Hi, got a question regarding missed payments on my credit file, defaulted on a loan around Feb last year, debt was passed to debt collector and I arranged repayment plan for small amount each month, have just noticed the original lender has still been reporting missed payments on my credit file after I started making…
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Electoral Roll and Credit file
Hi All, Hope you are all staying safe. I have just got a quick question. We are thinking of letting our daughters boyfriend (he now lives with us) go on the Electoral Roll at our address, but would he then turn up against our credit report or not as i don't want it to affect our credit score? No he does not have any…
