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Post bankruptcy credit issue
Hi all - I'm turning to the forum having read it for years, noticed excellent advice - yet never had need to ask for help.Until now -I'll keep it short - as it may be a simple answer, but can provide more details if needed.I went into bankruptcy last year. Joint account with my wife. I struggle with the aftereffects, badly…
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JD WILLIAMS TA JACAMO Hard Search Fraud
I've just had 2 emails from Experian Identity Protection service saying I've just had 2 hard searches from 'JD WILLIAMS TA JACAMO' using my name, address, and correct date of birth. I've never applied for JD WILLIAMS before and I've certainly never had a mail order account with them or anyone else. Anyone else had this…
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CCJ Threat via text from unknown solicitor
Hi, I have tried to research and decide what to do about a solicitor called Gladstones who have threatened to issue a CCJ via text message. I have received no correspondence other than three texts over the past three days, and have no idea what this is for, or whether it’s a scam. They appear to be acting for a number of…
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Why is your credit rating worse if you don't have a mortgage?
This seems odd to me - I appreciate having a mortgage shows you can pay off debts, but it's odd that having one increases your credit score when a lot of mortgages are such a large debt?
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Do I have a legitimate complaint?
Hello - I'll try and be concise. I had a complaint with Newday about irresponsible lending with regards to my Aqua and Marbles Credit Cards. I'm happy with the outcome which has seen over £2,400 of the debt be removed... However, in the middle of this complaint being handled, Newday issued me with defaults against both…
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Closed SIM only plan moved to default
Hi, I'm hoping to have this resolved soon but at the same time I want to make sure I'm not missing something simple that would work in my benefit! June last year, I ended my son's SIM only contract with Talkmobile and ported his number to the new contract elsewhere. As expected, final payment left my bank via the DD and I…
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Credit rating broken
I need
help. In
November 2024 during the 'Black Friday Sales' I tried to find a new
broadband supplier, however my application was not successful due to
my credit check failing. I
eventually found the following information: On
13/01/2021 someone bought four items from a well known 'mobile
network operator'. The agreement…
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Payment made to Marston Group Ltd June- they cant trace it
Hello, advice welcome thank you. I paid on credit card in June for a family member following receipt of a bill/threat of bailiffs from Marston Group Ltd I have proof of the payment in transactions and thought no more about it. Now the group - Marston- are claiming they have no record of it. Ive spent a few hours so far…
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VT Issues with car
This discussion was created from comments split from: Credit Reference Agencies may hold your data for up to 10 years!.
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Defaults on credit file during pandemic
Hi, I have three defaults on my credit file. All of them were in Feb 2021 during the pandemic when I started a debt management plan, the plan was fully paid off last year. Of the three defaults, two were in good standing throughout their existance and only went into "1 month late", "2 months late" etc in the last couple of…
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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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CIFAS marker
Hi everyone so recently discovered I have a ‘false identity’ marker on my cifas file. Initially I thought it was only the ‘victim of impersonation’ marker but after I done a DSAR, the victim of impersonation marker has gone but the false identity marker still shows. Has anybody else got this marker and does it stop you…
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credit score low-some say missing payments but none show on report
Hi, I have recently moved house and lost quite a bit in selling my old one which means we had to take a greater mortgage, coupled with being on mat leave my pay has decreased and so I am relying more on my overdraft.These are things I expected to see on my credit report and am confident I can increase the score when I…
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unknown second mortgage showing on Experian
Hi, I'm trying to get a mortgage and have an Experian credit score of 999. Weirdly though I'm being rejected by the underwriter. Today I learnt that there's a Barclays flexible mortgage with 0 balance showing on the report, additional to the existing mortgage. I don't have a second mortgage nor do I know what this one is.…
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CIFAS Marker
My credit score is 993 I’m perfect in all areas and a homeowner , but recently got declined a £20pm SIM card. I looked into it and can’t see anything other than a CIFAS marker due to £1500 identity fraud (facility takeover fraud)few months ago on my very account. Could this be what’s blocking me and if so what can I do…
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StarIng easy saver
Thread passim is closed so.. i’ve been turned down twice for an easy saver. i have recently swapped bank account with no problem, and cc, closing the past ones, aaso I now my scores are ok, The message says they have constraints imposed on them so I think this is their issue not mine. problem is, they are about to stop…
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Surprised to get this from Barclays ...
Sometime ago I had my credit limit slashed by barclays. Limit was reduced year on year after I received a letter out of the blue. I am also aware they slashed many peoples limits without warning. I wrote to close my account .. then received this message in the App. What shocks me despite not missing payments no other…
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Equifax alert
Had an e mail from Clearscore alerting me that a credit agreement is being added to my Equifax report by EE. This agreement was cancelled with a zero balance in February this year so can't understand why its being added to my credit report now. Its not showing on Experian or Transunion I've not contacted EE to query this…
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Mystery debt from O2 has just killed my credit score on Experian
This is my first post here, because I am mystified by something. A couple of months ago a missed payment for £8 appeared against O2 on my Experian. I thought I knew what it was but didn't do anything about it. Then I checked my statement and a £7 dd was going out to them safely every month, so I rang them last week to say…
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ID Theft
Does anyone know what to do if you have your ID stolen and the fraudster applies for numerous applications for loans, credit cards , Hp. There are loads of unknown hard and soft checks on my credit file nothing to do with me. I have reported to action fraud who can't do anything but am terrified on what might happen.…
