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What to do with a small inheritance
Hey. in the next week or so I will receive a small in inheritance of about £20,000. i was planning on paying of debts with hopes it will improve my credit so I can buy a house if a few years but I’m unsure of what steps to take as I have heard paying off a loan early does not impact your credit. Can people please let me…
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Credit Karma (Ls) (Cr Api)
I just checked my credit club credit report for the first time in a LONG time. Under soft searches I have Credit Karma (Ls) (Cr Api) about 4/5 times every single month for the past couple of yrs. anyone else have similar and could shed any light please? I can see other soft searches relating to car insurance quotes and the…
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JC International wrecked by credit score
There is a bit of back story to this....but to keep it (reasonably) short.... I have always had an excellent credit score. Then JC International Acquistion wrote to me last year in August to say I had a historic debt with SKY for £75. Now, I don't believe e this debt was mine. I contacted Sky and contested this with JC.…
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Can't open savings account
My wife and I have been using fixed term savings accounts for about 10 years now. We are both retired, mortgage paid up years ago, don't need to take out loans and the one credit card we have is joint with me as the named account holder. We pay the CC balance off monthly. Last week my wife's fixed account with Oaknorth…
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Default added to file - miss informed?
Hi, I’m hoping you can help me please? I have a loan with the post office and needed to miss 4 payments due to unexpected expenditure when I initially called up they said 4 missing payments would not cause a default to be issued only after 5 would this happen. Providing I phoned monthly to update them I was still within my…
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Clear score letter
I have received a letter from ClearScore which says that someone tried to open an account using my details but they have blocked this. I have never had an account with ClearScore. Is this a fraud or a marketing ploy. Do ClearScore send out letters like this?
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Getting fraud off credit report.
Hi, Hopefully someone will be able to help me with this issue I am having. Recently someone used my details to open a credit account in my name with the company Laybuy. The first i heard about it was a debt collection letter from MYCRS. The account is also showing defaulted on my credit report. The issue I'm having is…
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BG reported missed payment
In July this year I switched from British Gas to EDF, I had a direct debit set up and BG took my final payment, I have checked my credit report and BG have a missed payment in August. I called BG and they said I had not missed a payment, then that changed to them saying that I did miss a payment in July as there was still…
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Experian problem
i had to register for the LEEDS online banking andI was unable to answer the questions that EXPERIAN asked. so could not register with the leeds. How can I find out the information on EXPERIAN have on me. one question asked was which current account number did I have and it did not appear on the list they gave me. Also…
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Conflicting Credit Scores from different Agencies
Hi Guys, I could do with some help. I was looking to move home however I needed to get a mortgage in principle. It was joint application with me and my missus. It got declined and the reason they gave was declined due credit rating (or something to that accord). I found it strange as I thought I had a decent credit rating.…
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Bank account opening date and credit
I applied for a finance plan to pay for a larger purchase and it asked how long I had been with my bank for. I thought it was 8 years but when I checked my credit report I realised it was actually 7 years. Will this make a difference? Can the creditor see the date I opened bank accounts?
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new credit rating searches
I recently opened an account with Experian and few days ago noted 21 searches on the same date (Aug 28) from companies I have never heard of. Any idea wats going on?
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Experience During and After CCJ
Hi This forum has helped me a lot! So, I will continue seeking guidance and assistance to all the members of this forum I had read several threads about CCJ and maybe my knowledge is still limited so I will outline them. Feel free to comment, add or correct me if I’m wrong 1. CCJ will stay on the file for 6 years and drop…
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Klarna search for an unsecured loan on my Experian fraud report
Hi, I was just notified by Experian of a search on my Experian fraud report by Klarna Financial Services for an unsecured personal loan quotation for an amount of £599 earlier this month. But I haven't applied for a personal loan. I'm currently in the process of moving house so have a mortgage application ongoing, but…
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Hard credit search - financial associate
Hi all, I just wanted to check if this is correct. I had a mortgage with an ex partner 17 years ago, we split 1 year after however due to the 2009 market crash the house wasn’t resolved for many years. In the end I had to get a court order to force sale in 2024. The issue is he wanted to buy me out which I was ok with…
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Help getting AR removed by Scottish Power
Hi, I had a complaint open with Scottish Power back in 2020. While the complaint was open we both agreed I wouldn’t be paying anything until it was resolved. When it was resolved I was 3k in debt to them. I was told I could pay this back monthly with no interest and it would not affect my credit file. I have since moved…
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Experian credit score
Got turned down for a Very.co.uk credit account so thought I would sign up for an Experian credit score. It tells me it is 999 out of 999. First of all why would I get turned down for credit if that was true and secondly how can it be 999 out of 999 when it goes on to tell me how I can improve it?
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Old debt effect on Credit File
I have an old debt from Sky TV that I had forgotten about. It isn't showing on my Credit File, however I have received an email from a Debt Collection Agency called CRS requesting payment. I am happy to pay as it's only £66, however I am worried it will then make an appearance on my Credit File and be detrimental. I am…
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Rebuilding and Building Our Credit Score
Hello All, I'm looking for advise for my partner and I. 1, Me I have bad credit score 510. I did bad mistakes as young guy. As I couldn't pay I reached out to Payplan to manage my payments. I have paid off all my creditors now and my debt is at 0. I believe 3-4 creditors have defaulted me. How can I improve my credit…
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20 year old debt collection
I’ve been contacted by a debt collection agency with regards to a dept from potentially 20 years ago. I’ve asked for a copy of the credit agreement and they have come back to me saying they can’t get one because of how old it is, but they say, I quote “we believe this remains unpaid”. Now I’m being bombarded with automated…
