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Sim only contract, why the need for a hard credit search
Its that time of year where you go through finding the best sim only deal. If you are just buying a sim only deal esp for a paltry £8 / month why the need for a hard credit search? Why can't they let people have the option of paying the £96 upfront and set a bar on account spending to mitigate the need for a hard credit…
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PRA Settled Debt, how to improve credit rating.
Hi, I had an issue with misuse of a particular credit card by a 3rd party. When push came to shove, the debt was passed to PRA, and I negotiated a final settlement with them. the majority of the debt was interest, which I objected to paying. However, I made a significant one off payment, which they were very happy to…
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Experian report not showing ccj?
Hello, apologies for double posting, when I spoke with the finance company regarding financing new machinery they said the finance company would run an Experian report on me and I told them before they did this would show an unpaid ccj. however I've just checked my Experian and there's no default or ccj showing however I…
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Bank accounts not appearing on credit history
2 bank accounts and 1 credit card are not showing on my credit rating. This is across the board with Experian and others. Who should I contact to rectify?
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Affinity water credit file issues
I’m looking for some help with some adverse data which has been recorded on my credit file by Affinity water. Affinity water have just gone live with transunion and have started sending data to them. I was in an arrangement to pay which I had been honouring each month to find out they have marked these payment as missed…
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Historic Energy Bill
I have a historic energy bill from 5 years ago, which although providing meter readings I never received a final bill. It has been passed on to a debt collectors as I wanted a final bill before paying. 2nd round of debt collectors are chasing me and just to close the matter and stop being hassled I agreed to a settlement…
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credit rating repairing
Hello I did run a quick search on this but it mainly just brought up credit cards. Im about to finish paying off a ccj I got 3 years ago and only have one default on my record from 4 years ago. currently have a below average credit score. Other than getting a credit card which is what i'm already doing and then paying it…
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Historic debt reduction on credit file. Who does this ? Clearscore has just removed this
Hi - we have been a member of clearscore for a number of years and have paid down a lot of mortgage debt over the last few years. Clearscore had a timeline tracker where you could see month by month your debt reducing, Now they have just 'upgraded' their site and the timeline has gone. Does anyone know who does this ? We…
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Cannot understand why Credit scoring agencies state bills have been unpaid yey they have.
I was recently looking at my credit rating on another site and was dismayed to find that that it stated I had missed installmentnts for paying water bill. A coulple of years ago I set up a repayment plan with Affinity water this was done over the phone, last year I set up the plan on line and continued to pay a monthly…
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Incorrect reporting?
So I checked my credit file yesterday, as I do on a monthly basis and water company has added 5 missed payments with the latest being for this month. I've some historical debt with them from over 3 years ago but for the last few years Ive been paying my bill on time plus some towards the historical areas Can they do this?…
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Credit Score Updates
Had anyone noticed that Santander, Halifax, Barclays and HSBC haven’t updated there data since October 24. Mine is saying data filed on the 6th and 20th of Oct and nothing for Nov. Usually it’s updated at the end of the Month. I paid the majority of my credit cards in September and it’s not filtering through.
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Problem with MSE credit club login - just me?
Been trying to log in for about a week using both safari and edge, getting the same error message. Wondering if it's just me and I need to change a setting or if everyone's having the same issue. Asking now as just saw it promoted in the mse email so figured others might be trying.
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DaS Debt Removed
I'm in a Debt Arrangement Scheme (Scotland). I've been paying for over 5 years. I'm 2 years left. I've noticed all the debts I'm paying in my DaS have been removed from my credit file (Clearscore). Does this mean I'm Debt free? None of the debts appear anymore including my DaS. I've asked Step Change to confirm but I also…
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Risk of Identity Theft
‘Royal Mail’ sent me a SMS today prompting me to click on a link to reschedule a redelivery. I haven’t thought it through and stupidly clicked on the link and entered my name, DOB, address and phone numbers. After I clicked next, the site asked me to enter credit card number. It was then when I realised it was a phishing…
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Help with possible scam please.
Had an issue on Facebook market place where someone wanted to pay in advance for an item I’m selling. I gave her my name, sortcode. Account number. In addition she has my full address as she was about to collect the item. I have contacted my bank and they said about potentially they could set up a direct debit now and have…
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Experian has locked my credit score without my permission
I wanted to move my credit card balance to a 0% interest and my application was rejected twice by credit cards because they tell me my credit score with Experian is locked. I have never paid for extra facilities with them that would enable me to lock my credit score. I also had to pay to join in order to have a…
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Termination of account notice (default) help?
I came home today to find a letter from Santander saying they were closing an account I have that was in arrears for £9.95 because of account fee's. I completely forgot about this account and this is the first I've heard about it. Obviously I immediately put money into the account to clear the £9.95 but now I'm worried…
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Spurious CCJ? Can I dispute?
Hi all, Am new here so any advice would be appreciated. I've received a series of text messages from TM Legal claiming that a CCJ has been granted against me. This stems back to 2020 - I was with Tonik Energy until they went bust, and paid a final figure with them, meaning for a two week period, Scottish Power took over my…
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Missed Payments on Historic Loan
Looking at my credit files I can see I have 2 loans from lending stream. I actually paid these off in 2022 after forgetting about them for a period of time. I took the loans out in 2015 and received a default notice for both of them in march of the same year. The default notices were not updated to the CRAs, and if they…
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Experian - "New Credit Accounts" affecting score
Hello everyone, In September I renewed my car insurance and selected to pay monthly. I noticed this month that on my Experian, my credit score tanked by -120. I paid to subscribe to the full version of Experian and it stated that because I created a new credit account with my car insurer, my credit score tanked. My credit…
