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Composition of credit score?
Hi, I have a credit score that is good but it could be better, I'm eager to improve it. For this I'd need some information on what I should do in order to improve it (like keep unused credit cards so used balance / available balance ratio is better OR cancel unused credit cards to decrease the amount of cards I have etc. -…
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No Credit Report Available
I've been trying to help my brother's partner find her credit report and am having no luck. She knows that in the past (2009) she had accounts with Provident and other money lending services, but when I try to find her report with Clear Score and Experian, it can't seem to find her? I am putting in the correct DOB,…
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Experian and Miskeyed Electoral Role Data
Hello, My wife and I have been tenants at our current address for 7 years. We are going through the process of buying an apartment, but have discovered that Experian have incorrectly recorded our electoral role information. They had abbreviated it such a way that it matched a completely different address. Because I had…
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Account reported in different ways
Hi everyone, Yesterday I got my 3 reports from check my file. Everything look pretty much as should be and expected. I did find though on some old close loans/payday loans that they have reported to one CRA that there was an arrangement to pay and to another that all payments were up to date and made on time. I’m just…
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CCJ not known about
Hi all, I am just in the process of buying my first home and the mortgage company has noticed a CCJ on my record which I was not aware of. I have accounts with equifax and Experian and nothing has ever flagged on there so it came to such a shock that they came across that. I created a checkmyfile.com account to try figure…
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Advice re leaving card open
so, the story so far! since I was 18, I’ve spent irrationally!! I racked up 5.5k on one card, 1800 on another and 1100 on a next account. I’m 33 now, about 6m before the first lockdown, back end 2019, I made the decision that I was going to get it cleared as we wanted to move house and I’d always kept it secret from my…
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Defaults
Hi, first post on here, was hoping for some advice please. Back in 2017 I got 3 credit card defaults. Recently the management companies have offered a partial settlement (approx 50%) on each card. Is it worth taking this offer or should I just let the debt drop off in 2022? If I partially settle, does this still drop off…
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Loan reporting full amount payable
Hello! Just looking for opinions on the legality of this please - I've taken a loan with Hitachi Finance at a good interest rate for £15k. They are reporting to the CRA's that the balance on the loan is 16k, saying that they report the full amount as if the loan has gone to full term. Is this correct? as if I was to pay…
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Lowell
Hi all. Wife has been on checkmyfile.com as she is looking at leasing a car and noticed a supposed defaulted account with Lowell. Transunion are saying this was partially settled in Nov 2017 and the balance is now £0! We have absolute zero idea about what this is, she has never taken out loans, missed payments on credit…
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Fraudulent CCJs in my name - lost!
Good afternoon all, This is a bit of a complicated situation but I’ll try to keep it as simple as possible! Basically I moved house (rented) in September 2017, last November I discovered that the landlord at my previously address had fraudulently left the electricity bill (with EON) in my name and the new tenants hadn’t…
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Three
Hi all, I really don't know what to do and would be very appreciative of suggestions. I cancelled a three contract within the cooling off period, three's error meant that they thought I owed then for the contract and since February I have been chased by debt collectors. I've spoken to 5/6 different advisors who always tell…
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Credit Check for PCP Agreement (Question)
Hi Later today, I am going to put the deposit down for buying a vehicle through the PCP finance agreement. Never having bought a car before, I was wondering the following: The car company will (understandably) conduct a credit check to be able to ascertain affordability for me according to their lending criteria. My…
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Correcting Information Supplied by Nationwide Building Society.
I was recently declined for a credit card by my bank (Co-op). My original thought was "Oh well - it happens - apply again in six months". Although I was a bit surprised because I thought that I complied with all their published eligibility criteria. But a few days later I had a letter from them stating that the refusal was…
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Default and CCJ reported for the same debt
I had a credit card reported to the Credit Reference Agencies as a 'Defaulted' account and then received a CCJ for the same credit card. I stand to be corrected, but is it not wrong to report against the same account twice. It seems I am getting hit twice with the negativity that comes with a default and a CCJ for the same…
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Ruthbridge Payment Demands
I have recently received a few letters from Ruthbridge Ltd, demanding settlement of a debit they say belongs to me. I'm a bit stuck as what to do, hope some of you can help! As background I know that the debit is not mine as I have never had a credit card with the company they list, and I have a sneaking suspicion that it…
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Two blips on scoring
Three years ago my daughter was house sharing with two other people on a rental property. It was run by an agency on behalf of the owner. My daughter paid her part of the rent to one of the other housemates and he was supposed to pay it to the agency but he paid it in late. This happened twice in consecutive months. Since…
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Car lease
Hi. Recently denied for a car lease and the funders will not give a reason why! Excellent credit rating, in the high 900’s in Experian, got £500 on a credit card that I pay off every month without fail, and have one car lease in our household ongoing. My wife then applied for this same car lease and was also rejected,…
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Get default complaint removed / corrected in credit report
Hello, There is a default reported by Vodafone to credit agency on a SIM card which I never used. This happened back in May 2019. This is a long read, so I appreciate your time in advance. I felt like details are important here to describe full scenario. Here is the background. Firstly, I arrived in UK in late 2017 and the…
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Business insurance want info on IVA for more than 6 years
We own an apartment with 2 other owners and we are equal shares in freehold through a Management Company. Our house insurance is, therefore, business insurance but insurers want details of any IVA or historic company insolvency EVER. Can they ask for this when IVAs are wiped off the record after 6 year? I'm sure they will…
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Default Dates
I previously had some financial difficulties and I’m trying my best to clear them down. I never made contractual payments for 6 months then I set up a payment arrangement. However, I wondering when account falls into arrears with no payment when actually should the account be defaulted. I had an account with Tesco’s…
