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Direct line insurance terrible customer service and terrible complaints procedure
how many other people have become a victim of DIRECTLINE INSURANCE customer service and an even worse complaints procedure? last week I cancelled my car insurance over the phone, first receiving a £50ish !!cancellation fee. This was just the start. I informed the agent I had cancelled the direct debit and would pay NOW all…
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Overdraft?
Hi, I've been trying to get some information about the impact an authorised overdraft has on you credit score and am finding a lot of mixed info so am wondering if someone can clarify things for me. We have a joint account with an overdraft of £1990 which has not been anywhere near in the black for at least 10 years. We…
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Starting my 18 year old son on his credit journey
Morning all. I would like to start my 18 year old son on his credit journey, so we can start building a credit rating for him. He currently works 4-5 days a week, which was his Sat job at college but has now turned into something more robust while Covid is around (his planned career path is definitely on hold for the time…
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Using savings to pay off 0% credit card debt
Hi everyone, I have got three credit cards which are all 0% interest but I've saved up enough to be able to pay them off. However it would almost wipe out all my savings. I'm worried that due to my mortgage and having a loan for my car, it looks like my debt is huge. I'm not earning much interest on my savings, (pennies…
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CCJ enquiry for a friend going through a tough time
Hi all, My first post here, and it's on the behalf of a friend who has recently found out she has a CCJ. So I don't know anything about them but that they're v bad for your credit file and that they stay on there for 6 years. My friend is on tax credits, has a mortgage & 2 children and is struggling to make ends meet due…
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Experian "boost"
do people think this is useful, a gimmick or just a way of getting hold of more data? https://www.experian.co.uk/consumer/experian-boost.html
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Hard search by Lowell
Hi , I’m in the process of sorting out fraudulent accounts on my credit file ,Lowell held a few accounts on their .I contacted them with evidence and they agreed to delete my details from their system , this was a few weeks ago , now yesterday they did a hard search on my credit report , why would they do that after they…
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Change of address
We bought a second home as a potential retirement home almost 3 years ago. It has never appeared as an additional address on my files. We've moved there recently and I've just changed address for my car, driving license, bank accounts and I've notified the electoral roll. What can I expect to happen now? Will this appear…
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MSE credit club
Hi, I have been using the MSE credit club. I know that the actual report updates once per month, however does the dashboard and credit score update in real time?
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different info on different reports??
Hi folks, If someone made a credit card payment late, would it be normal for the credit card company to report the payment as late to experian but up to date with Equifax? Surely the info should be the same?
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Missed house insurance payment - will it affect my credit score?
My house insurance comes straight off my debit card each month. The bank sent me out a new card recently as my old one expired, which meant that my insurance payment bounced (I forgot to update the details with them). They notified me, I paid it the same day (plus a £20 fee) and gave them the details of the new card for…
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CIFAS markers
I thought that my credit file was only about me and does not include any detail excepting possibly about Ms Descrambled; joint account holder.Responses on here often state that individuals have credit files and not addresses.So why do my credit report(s) say that there is no CIFAS markers at my addresses.I am confused but…
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Experian/defaults/debt cleared
I have cleared all my debt my experian credit score is 857, i still have 2 defaults showing that come off in May. At the moment if i do a soft search i am unable to get credit. Is it right that once these 2 defaults come off and i have no credit in last 6 years and a fully up to date mortgage i will be able to obtain…
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Unarranged overdraft
Hi, I wonder if anyone can help me. We went on an unarranged overdraft last week of £25. This was only because I forgot to transfer money from the savings. We have never used any overdrafts before and we have been managing our account well by paying all the bills on time. This was the first time it ever happened. We have…
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Should I use my credit card to build my credit score, or close the account?
Hi, New member here. I hope everyone is safe. God willing, we'll be back in the full swing of things in the very near future. I have a credit card that I recently cleared. I want to increase my credit score. Should I cancel this card, or should I use it to help build up my score? My main motivation to build my credit score…
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Took a big hit on my credit score - I need advice please
Hi guys. When I was 18 I had an overdraft that I couldn't pay. My mum found out and helped me out by setting up a payment plan she said she would pay. Turns out she stopped and on the 1st of December the bank sold the debt to PRA group. I called up PRA group and paid the amount in full. Now as I look at my credit report it…
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Ccj removal
Hi, has anyone had success with having a CCJ removed. I only discovered it when checking my credit rating and it was issued 2 years ago! I'm tempted to get a solicitor to sort it out as the process is a bit daunting. Any recommendations for which solicitor to use please? P. S the debt is for £450
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Address added to credit file but never lived there.
I have just checked my Credit file with Clearscore and see a address in the same town that i live will be added next this month but i have never lived at that address or even know anyone that does. so how could that happen and will it effect my credit score and how do i get it removed? i am worried now that some has got…
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Really?? Is this true?
I have 2 credit cards. One Fluid with £2k limit and Natwest with £4k limit. Both used each month for daily spends and paid off in full each month. No late payments yadiyadah. Logged on to one of my reports last month and it said in relation to my limits I have work to do. My initial reaction was that I was nowhere near…
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I Need Help
Hi, hopefully someone can point me in the right direction or help me out. I was in a relationship for 17 years, 4 kids, married, always worked, I used to let my wife deal with all the bills and gave her all my money each week. We have been separated a few years now and I am getting so many companies chasing for money as…
