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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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Account Closure Credit Score Impact
Hope someone might know about this. I have an old current account opened in 1989. It's not in use and I want to close it. But I wanted to check if this will impact on my credit score through the average ago of my credit accounts. Any help much appreciated. Thanks in advance and take care. J
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Electoral roll query
Good evening, In August, I applied to go on the electoral roll at my new property. I was under the impression that it took 6 to 8 weeks for credit reference companies to be informed. None of them have. I spoke to the council involved and they said I was registered. Today they provided me with a letter confirming my…
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How to print my MSE credit report
Hi - I need to send my credit report to the mortgage broker, but I can't see how to print a report in MCS Credit Club. Is it possible? I searched the forum and the only other question had a link which is broken, from 2007. TIA
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Nationwide froze my accounts
Nationwide froze my accounts today due to suspicious activity. I had a few payments paid into my account this year from the sale of cryptocurrency on a peer2peer platform so the transactions are from a personal account to my own. Nationwide have found these as suspicious and frozen my account. Has anyone else had this…
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Rejected mobile contracts
Hi, I have a credit score (thanks to Martin) of over 900, yet I've been rejected for an additional phone contract at Vodafone and can't reapply for 90 days. I've also been rejected for a new phone contract at EE and can't reapply for 30 days. I've not moved house or changed my bank in decades, so does anyone know why I…
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Credit Protection Association Limited
Not sure if I am posting in the correct board so I apologise in advance if I am. My Dad received a letter today from the Credit Protection Association Limited bringing to our attention of a debt unpaid. No details of when the debt was from, just the name of the company and the amount. My Dad has dementia now and so I took…
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Default date right or wrong?
Hi I’m currently doing research into my credit file as will soon be applying for a mortgage but in 2018, I defaulted on a loan. I question the date as I have had written confirmation that the default on my account occurred in December 2018, however the “date of default” on my credit report states March 2019. As I…
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Vodafone Credit Check Refusal
I’ve posted this in the mobiles area too so apologies but wasn’t sure which would get seen better or have the better expertise for this one. Trying to sort out a new phone contract for my sister. Her credit rating is decent enough (867 on ClearScore) and no CCJs etc. She does have quite a large amount owed (£6k) on cards…
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Missed payment on someone else's account
Hi all just joined to find out if there's anything that can be done about the following situation, I woke up this morning with a notification that something has changed on my credit file, logged in to find it's a missed payment to Three phone contract, I've never missed a payment so phoned them up to be confirmed that no…
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I bought books from what looks like a dodgy site
So I created an account on a site - (in hindsight I should not have) to buy 3 books for my kids, I used a credit card to pay but not received any emails since the order email. I tried calling the number but it goes nowhere so it looks like its a site to capture details of unsuspecting users like myself. Now how do I…
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Do defaults fall off a year ‘to the day’ or weeks later?
Firstly, want to thank Sourcrates and many others for their advice. I have lurked on this forum and been reassured many times over the years . I’m now out of my DMP and have either settled my debts with full and final payments or hope to do shortly, (others cannot produce a CCA, which I didn’t expect, so encourage everyone…
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Debt Collector Searches on Credit File
I've just had an update to my Equifax Credit Report, and while everything is looking good I can see there is a heading I've never noticed before called 'debt collector searches' I don't recall ever having seen this heading before, is this a new thing, and under what circumstances can debt collectors mark my report with…
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Anyone use an ID Monitoring Service like Vodafone Securnet?
Long and short is that I want to protect myself against ID Fraud and just wanted to know what everyone does - or services they use. I was particulalry interested of the ID Monitoring part.…
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Should I close credit account?
I only have 1 credit card, only because it's 0% interest for another year. I have no other debts and no other credit accounts whatsoever. I have credit rating in the 990 mark. Today I opened a credit account with Very.co.uk as I wanted to take advantage of their 20% off offer for the first credit purchase. A credit search…
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Quick question on creditor status on my credit file
I have been waiting for my numerous debts to default as advised here having just checked my file for an update one of mine is now listed as ‘closed’ with a balance of 0..and is sitting alongside various long gone cards and bank accounts from the past i assumed that the debt has been sold or something (so technically…
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Incorrect - maybe- electoral roll date
Because I was previously known as another surname, my electoral roll date is about 2 years out. It doesn’t seem to have affected anything, but should I get it corrected? For context I’ve lived here over 20 years.
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Help reviewing consent order please
I discovered a CCJ which I have now negotiated with the claimant be set aside due to the papers being served to the wrong address (I have evidence to prove that the claimant was informed of my correct address). As I feel that I was not responsible for the papers being served incorrectly, I do not feel that I should be…
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clearscore new layout
what a horrible new layout on the clearscore site, why do IT guys keep changing something thats not broken , need to prove your job, skynews have just done this now just waiting for the bbc to follow change it back clearscore its horrible
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Wwyd - irate with o2
A summary of my predicament is: Monday - placed an order for a new mobile with o2. Was told me order had been sent to their credit team for further check and they would reply within 24 hours. Weds - still heard nothing so called o2. Was told they couldn’t get through to the credit team and to wait for an update. Thurs -…
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Phone contract
In May 2023 I took out a contact with Three to pay the monthly charges for a phone for my granddaughter so she could easily contact my daughter or myself if in trouble. Deal done and Direct Debit set up (or so I thought). A few days later I received confirmation of the DD showing my bank details but no payment date. That…