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how often do lenders check existing customers credit files?
Hi, I am awarre that lenders can check their existing customers credit files - for example. Very reduced my credit limit a couple of years ago when I took out a new card. how often to lenders do this and would this search show up as a soft search on credit report? For example, I am a long standing Barclaycard customer.…
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All credit agencies reports are different
transunion, Experian, & Exquifax are all reporting our mortgage payments differently, to the point that Equifax saids we are 'delinquent'. Have been in touch with the mortgage provider who have stated that they report that are up to date and no missed payments but an 'arrangement to pay' form during Covid. Have put 'Notes…
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Joint mortgage and financial disassociation
Hi I am separating from my wife. We have a joint mortgage which has created a financial association on our credit files which we would mutually like to terminate. The ideal end result would be to have the house in my sole name and no historic or future financial connection to complicate any future borrowing. I believe…
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Old debt reappearing as new debt on my credit file
I had an old debt with Vodafone which defaulted in January 2018. It was removed from my file January this year. My score had increased quite a bit as a result. I received a notification from Experian this morning that my score has dropped due to a missed payment. When I checked, it was showing my old debt with Vodafone as…
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Credit card payment
If I pay for something on my credit card, will it appear on my January statement to be paid. Or will it appear in the February one
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Default status
Hoping someone can help with advice on what to do. After an illness in 2017 I fell behind with some debts which got defaulted but nearly paid them off and the last default is due to fall off this April. Last June out of the blue a default appeared on my credit file from a company called Lantern dated March 2023 for £166. I…
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Who are TransUnion?
I set up accounts with credit karma and Experian a few years back and logged on again recently. Experian now only give a credit score on their free account. Credit karma show soft and hard searches as well as a credit score. On CK, there are multiple soft searches carried out by them under the heading credit karma…
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Bank Account - CIFAS/CREDIT REPORT
I’ve applied for every single bank account in the UK, yet I’ve been rejected even for a basic account. I’ve submitted a subject request form to CIFAS to inquire about any information they may have on my credit report. My credit score is poor, but I’m unaware of the specific issues that are preventing me from getting a bank…
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Default Query
Hi, Some advice would be massively appreciated. I've had historic debt for around 10 years, paying circa 1k a month. May 24 - I'd been around 28k in debt and struggling to bring it down. Spoke to partners parents who said they would pay the debt off if I could get it to 15k. Attempted to negotiate part settlements with…
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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…
