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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.…
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Advice needed re: defaulted debt and credit file
Hello, I need some advice please. Years ago I got into debt trouble and defaulted on al my debts and made token payments to them to help alleviate the situation. There were quite a few and have now gone from my credit file. However, I have two accounts with Santander, a credit card and a loan. They were both defaulted in…
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Virgin Money - No Communication
Has anyone had issues getting any form of communication from Virgin Money? I used to have a B account with Clydesdale before it was converted to a Virgin current account when Virgin was acquired. I wasn't informed that this new account has a £4 fee for rejecting direct debits. Fast forward, I have a mortgage application…
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Credit limits and over drafts
I will be making a mortgage application in early 2025 and my current available credit and overdrafts are as below. Will trimming these back be of benefit and is there any reason not to amend limits prior to mortgage applications ? My utilisation of credit is minimal, although I do occasionally make large purchases via CC…
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Moved: Daughters Debt
This discussion has been moved.
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Credit scoring
Hi all. I am in the nice position of having no outstanding debt. No loans, no credit card balance, no mortgage, and I’ve just paid off my car finance. I understand that this may have a negative effect on my credit score, as I’m not making regular payments to anyone. Any suggestions on what I could do to counteract this? I…
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CIFAS Marker - Chance of appeal
Hello, I would like yo know the chance of success in getting a CIFAS marker removed. Background is this: Raised a chargeback with my credit card following a purchase of an item, that did not arrive This was rejected, however I believe that the credit card wasn't happy with the chargeback even being raised, because shortly…
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How long should Linked Addresses be on your file?
Morning..... Just doing a wizz through of finances, and noted on my Transunion report (via MSE) that I have two Linked addresses on my file. They are both over 18 years old......should I request to the providers to remove them "just to keep things tidy" and make sure there is no erroneous links? TIA
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Klarna reported my payment history prior to 1st of June 2022
I recently tried to get an AIP and was denied due to something on my credit file.I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months…
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Paying Off Debt At Discounted Rate - Effect On Credit File?
Hi there, I have a query
regarding the paying off of a debt with a debt collection company. I recently
received a discount offer which was quite substantial (35% of the original sum)
which I would actually be able to pay. I would not be able to afford the full
amount and once I pay this one off I will finally be debt free.…
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Klarna reported my payment history prior to 1st of June 2022
I recently tried to get an AIP and was denied due to something on my credit file. I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months…
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NatWest default dropped off early… afraid!
Hi, I hope this post is in the right place! Having fallen into bad money habits and having difficulty with debt since 2019, I have recently started to get on top of my finances having paid off 5/6 of my debt accounts with the likes of Lowell and Intrum. It’s been hard going but I’m getting there! I had a personal loan with…
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Three mobile - 2 missed payments
I logged into my clearscore file a few weeks ago. I was surprised to find 2 missed payments from Three mobile - 1 for July and 1 for October this year. I wasn’t made aware by Three of any missed payments and the direct debt for each month went through normally as usual. I rang them few days go to put in a complaint…
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Vodafone incorrectly reporting a default and missed payments.
Im not sure if I’ve posted this in the right place but here goes. I’m just wondering if anyone else has been having issues with Vodafone reporting defaults and missed payments. Back in Feb 2018 I paid my finally amount owed in store of 170.67. The account was removed and marked as closed shortly after with Experian and…
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Identity fraud
I’m the victim of identity fraud, and my credit score has been shot. Should I pay for a CIFAS protective marker? Will the police do this as part of their process? Any advice greatly appreciated
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Letting credit reference agencies know I’m unemployed?
Our mortgage is coming up for renewal in a year. When I got it originally I was on a rather large income. I am now disabled with a long term illness, on full PIP and ESA. In that time my credit score has gone up, as I have less debts (car lease returned) and my spending is now minimal as I go nowhere. My question is,…
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What to do ....balance transfer/ Purchase 0% ending but can't get another
Hi All , Need your help on this one . Over last 2 years being doing a major home renovation . On top of existing mortgage , i have borrowed on 7 credit cards . I thought i was being wise as either 0% for purchases or small fee for cash transfers . The borrowing was easy for approval and clearly better than 5.75% , if i had…
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Missed Payment
Hi - Hello, Any advice on the following scenario would be greatly appreciated. I’ve received a missed payment on my credit file from the loan company MoneyBoat. The payment was originally due on the 21st November - the payment has since been paid in full on the 19th December. My understanding is that any creditor must wait…
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Cleared mortgage now score dropping
Hi cleared off my mortgage a month back and have noticed that my credit score has dropped with the above being cited as the cause, just wondering if this is correct?
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Payment of CCJ
Hi all any advice would be gratefully received as I’m a bit lost! In a nutshell: - CCJ dated Sept 2019 for a parking fine I wasn’t aware of (I had stupidly forgotten to change my address with the DVLA so ended up with a judgment in default). The total debt is now around £290. - I only realised I had the CCJ when I checked…
