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Three sending details to debt collectors after fraud!!
Hi there, For anyone that has dealt with fraud, I feel your frustration. Context - Three sent a letter to pay an unpaid bill but the contract was not taken out by us. After providing details, three said its NOT fraud which is crazy, we got the letter late September. I called Three and they could give NO details of the…
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Refused Credit
Hello, my partner who normally has a excellent credit score, has been going into her overdraft over the last few months. Will this damage her credit rating? She applied for a Argos card but was declined, will this be the reason why? Thanks
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Old debt
Hi, I am feeling like an utter fool and hoping for some help. I received a letter from a debt collection agency saying I owed around £1300 and they would proceed to send debt collectors to my home address should I note make payment within 7 days. I did not know what this debt could be, but I researched to debt collection…
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Experian showing wrong information
I have noticed that experian are showing incorrect information on my credit file: They show thta I have 2 credit cards - no idea why as i do not and have never had. 2nd, they are showing that I have a loan for £361.00. I noticed this in July 24. totally incorrect as I do not have such a load and if i had - by now hte…
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Late Payment marker for £1
I have a 25 years old account with Lloyds bank I don’t use anymore but keep as I’ve had it a long time. I used it to make a transfer to a payee I had saved on there and it made me OD £40. I meant to transfer funds over when I got home. Any way the account got charged daily interest and ended up £51 overdrawn. Lloyds have…
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Impossible average credit account age listed, therefore I'm High Risk?
I've just signed up for the 30 day trial of the Experian credit report after the Loans Eligibility Calculator on this website said I had zero chance of getting a car loan. So I did the rounds, checking my scores. Experian rate me at 995 (up ten points since August), but the report lists me as High Risk for account history…
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Credit reports updating.
Hi all. i have a Barclaycard with a £3590 limit. I had around £3100 on it and received a bonus from work in September which I used to clear most and take it down to a little under £100. This was paid on 18th September. All credit reports show it last updated on 30th September with balance still showing as £3100. It’s been…
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Help with building credit score
My daughter, aged 44, has got herself into a bad financial state. Finally, attempting to do something about it, she has moved in with us as she can no longer rent until her credit scores have improved. She has signed up with Clear Score, Experian and Equifax, but the scores are very different. Can anyone advise which is…
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CheckMyFile has address listed twice in different formats
My address is listed twice on CheckMyFile, with Experian picking up both addresses but TransUnion and Equifax each picking up one of the two. This is (suspected to be) causing banks to reject me for additional borrowing. Equifax and Experian have my address as - Flat 1-2, Street Name, City, Postcode Whilst TransUnion and…
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CCJ - salary overpayment - advice to set-aside
I just did a credit check to plan for mortgages and discovered I have a CCJ against me issued in July 2024 for £7048! I've read the newbies guide and gone through many posts regarding CCJ set asides. I didn't find a lot of cases similar to mine and was just hoping for some confirmation and advice. Background Did a bit of…
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CCJ against me without informing me or what the debt is for.
HI, first post so please bear with me. At the start of this year I received a letter stating I owe money (around £200) to Spark Energy. I ignored letters as I did not think they were genuine & was with Spark energy (who have since ceased trading) back in 2019 for a short period of time only. Forward to this year and…
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6 years question
Hi, Think I know the answer to this but the rule of marks on credit reports coming off after 6 years, is this 6 years after each individual mark? I.e. if someone had an AP marker for every month of 2019, would the first marker for Jan 2019 clear in Jan 2025, leaving 11 markers left over etc until they are all cleared at…
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Credit club hasn't worked for months
Trying to log in I get Oops! Something's gone wrongOur Clubs platform is currently down. Our techies are working furiously to fix the issue and we're hoping to be up soon. This has been since the migration. Registering a new account tells me I already have a credit club account. Any suggestions?
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Can't get Experian statutory report!
I have been going in circles with Experian since 9th October now. I requested it and I got a PIN in the post that didn't work, so then I ordered it via the post, which 10 days later, hasn't arrived as stated and another pin has come in the post... Which doesn't work!! What do I do now as I just go around and around.
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How long does a closed current account (no overdraft ever) stay on the credit file
Hey everyone, I searched the forums but was not able to find an appropriate answer, most were to do with loans/credit cards etc. I am planning to close a current account with Monzo as I am not using it. I would like to know when this current account will drop off from my credit file. I use MSE Credit Club and ClearScore so…
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Arrangement to Pay
I previously applied for a Barclay credit card where I was given 0% interest promotional offer. When this period ended I called Barclays to ask if can be extended and I didn’t want to pay interest. I was making above the minimum payment required but wanted to pay it off quicker. They said the only way to have 0% interest…
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Unsubscribe from the Credit club emails
HiI cannot find how to go about the above. Any answers will be gratefull received Thanks
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Potential identify theft?
Over the past few days I've been called twice by utility providers I've got contracts with (broadband and mobile). When they call I just say I'll call them back without giving details. Both times it looks like the number is spam (have Googled). I'm now worried that someone now knows about my accounts and is calling to try…
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Go Car Credit VT - Temp Default
Good afternoon, I've had a pretty rough 6 months which has lead to financial difficulty and arranging a payment plan with Go Car Credit, I'm now at the point where I have submitted a letter for VT as I simply can't make the contractual payments anymore. I haven't reached the 50% mark just yet but not too far off i.e…
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Error on credit report
Good evening. After a mortgage application was declined I have discovered that there is a default listed from Octopus Energy on my credit report. There was no default and I don’t owe them any money but 10 days after first contacting them I am no further forward in getting this resolved. Does anyone have any experience of…