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Capquest/Opos Limited chasing a debt from 18 years ago
Hi, I received a letter today from Opos Limited on behalf of Capquest Debt Recovery ltd relating to a debt for Shop Direct that I no nothing about. I have since contacted Shop Direct and we managed to trace the debt back to September 2007 at an address I haven't lived at since that 2008. I've never had a debt on my credit…
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BTL Application - Financial Association Query
Good morning. Just a quick query about a future BTL mortgage search. My Wife is to soon remortgage her BTL mortgage deal to a new lender and I was wondering about how my credit file would affect the search as a financial associate? We both have great credit history, no missed payments CCJ's or defaults but we have some…
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Security Clearance; hard or soft search?
Hi, I am about to renew my security clearance for work and wondered if anybody knew whether the finance check they do is a hard or soft search? I am waiting to complete on a house purchase so if the search they do is a hard one I would rather delay my clearance application until the mortgage has completed. I have searched…
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Tesco declining my application for a new phone
I have a good credit score yet tesco have declined my application for a new iphone 16 plus which was on a good offer via clubcard. Being in our sixties and mortgage free we have absolutely nothing on credit except my Vodaphone contract which is due to end later this month. This is the first time ever that I have had a…
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Experian - British Gas - D on file?
Firstly, I got my statutory report and there are 7 ' D' markings on the file, but they didnt send a key so I can only assume this means 'default'. The period it is for is Oct 23 - May 24 and Oct 23 is when BG changed to a new system. I know this because the same period on my Equifax report says 'no info' for the same 7…
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Mortgage with old default from same group
I’ve had some defaults fall off my credit file in the last few months from a messy divorce back in 2018. The last falls off this month. It was an MBNA/sold to PRA debt. I have my current account with Lloyds. My decent savings are with Halifax. I am taking a re-mortgage out (after the default is off). House worth 230k and…
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Barclays letters in someone's name and now collections one!
Hi hope someone can as ive been on phone to barclays and still feel sick with worry For months now we have been every so often receiving letters from barclays with someone else lses name on....its a long non english name so can not remember it fully. We ignored and ripped up as they seemed like scam letters. Today we got a…
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Has a company aquisition resulted in incorrect record on credit score?
In April last year, the lender was acquired by another company, though I only recently became aware of this. In May last year, my TransUnion credit report started showing the account as being in default under the new company's name. It falsely stated that I had been making regular payments to the acquiring company until…
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Do linked addresses ever come off a credit report?
One address I moved out of 13 years ago (referenced to a long extinguished PCP loan) and the other is coming up to 9 years old. Should these also be removed at 6 years like credit account details and the like?
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Cabot
Advice please debts sold to Cabot years ago I am paying off by standing order have done reviews over the years lately been bombarded with phone calls text and now letters saying overdue review however due to current climate I’m happy to leave my increased payments where they are and have not replied today received only…
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Missed Payments on Credit File
I have a loan with a non high street lender and missed a payment in October which has sinxe lut me behind on my balance/payments. Since November I have paid the loan direct debit every month on time however, the company have kept reporting that I missed payment each month because of the original missed payment and because…
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Paying off PCP early - impact on credit rating
Hello. I am one month away from the end of my PCP term ending with just one payment to go. I’d like to pay it off early (pay next month’s payment this month) so that the car can be collected as I found another car on a deal I could not ignore and want it gone. I will have paid the PCP in full so does this have any impact…
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accuracy of file
have a question about credit file ..we applied for a mortgage and i paid a loan off prior to application, didn’t declare as didn’t think - have since contacted the lender and told them and gave evidence paid off - it’s still on my file even though says updated today 1st March! the building society has done valuation but…
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Old CCJ, new understanding
A couple of years ago now I was contact by my mortgage provider, informing me of a concerning debt. This was the first step in discovering I had picked up a CCJ for a failure to pay an invoice which I had never received. A very brief summary is: Company A was the maintenance company for a flat I let out. The sent me…
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Car lease/finance with no credit check?
I have terrible credit. But I desperately need a car. I’m a good earner but just have a poor history. I’ve seen a few places that claim you can get a car with no credit check but does anyone have any actual experience and recommendations?
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Store finance appeared on my file as unsecured loan including the amount
Hello, I did a finance with a store, I knew that the hard credit check was required to apply after the evaluation, but what made me angry is that this finance company reports the amount to the credit agencies. Normally, these finances not done through the banks report the account creation, but not the amount, because…
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updating date of file
on my mse file for a loan it says updated 1st feb , i paid this off in full on the 5th feb - does this mean that my file will update on the 1st march ? and this loan will be gone ?
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mortgage application help
so I'm 7 days since putting application in with leek utd - valuation was done yesterday - post application I submitted some evidence that a loan was paid off as I noted was still on credit file - I informed the mortgage advisor who said would pass on, heard nothing since and having major anxiety over the waiting - there is…
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Could car finance letter help credit score?
Hi, my son had his car repossessed 2 years ago as he didn’t make his finance payments in time and this has negatively impacted his credit score. He recently received a letter from the finance company stating they have reviewed their policies and procedures, to better enhance service delivery. They awarded him £180…
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value of score
i have read all the threads re score and i know its not the be all and end all - but im sitting in the fair bracket on Experian because i have a cc upto the limit and a a loan which is now paid off - no adverse credit, late payments etc... but we are going through mortgage application and so worried they will look at my…
