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How long before removed defaults improve chances of credit
Hi, I suffered a financial meltdown in 2018, which resulted in 3 defaults all landing on my account in April and May of that year. The last 6 years has been difficult, as I basically haven't been able to get any high street product in that time, instead relying on credit builder credit cards, and a far from ideal car…
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CCJ not on report
I recieved a letter today stating I have a CCJ against me dated 20th July 2020. This CCJ has never appeared on my credit report from any of the three agencies. I searched the claim number in trustonline and it says the number doesn't exist. How can this be? Are the company telling lies?
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Hard searches within 1 - 3 - 6 months
I recently downloaded CreditKarma following advice on another thread, and finding it really helpful. So it is advising me to avoid opening more than one new account in six months… but… I opened a new account with a hard search end of April, and now I want to do a bank switch of an established account to Santander (or…
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Decrease credit card limit before mortgage application
Morning, I am due to remortgage in August and just taken out a new Halifax clarity credit card to use abroad for holiday later in year. They gave me a limit of £4k. I have just noticed an older card which I have around £1k on (0% rate) but had a massive credit limit of £9k. I have another two CC that I use for day to day…
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MSE Credit Club - download a copy of report
How does one download a copy of the MSE credit report? I could do it with the old one, but cannot work out how to do it with the new one
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Edit or start new credit file request
Hi all, I have recently opened a credit file request with Experian in order for us to prove credit history before looking at mortgage options. However, when I submitted the request, I inputted the wrong address as I am currently living with my partner, but all my banking details, bills and voting address are at my parents…
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Electoral role and council tax
Hi all, looking for some advice. We have recently moved to a caravan park where we bought a lodge. It’s a 12 month site so we are allowed to live here all year round. We don’t have to pay council tax as we pay ground rent to the site owners. the problem we are having is that now we have moved here we are not on the…
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ClearScore dropped 76 points
I appreciate that this is very much first world problems and credit scores, particularly on ClearScore, are not an exact science so the answer to this will inevitably be not to stress. However, I’d like to understand thinks better as it feels odd to me. Up until last month my score on ClearScore was around 950 so I was…
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New banking switch offers
Hi so I'm looking to take advantage of the new tsb and Lloyds banking switches I have some dummy accounts but not with direct debits setup. My question is if I setup 3 direct debits on them today can I immediately switch for the offers or must I wait until those DD payments actually go out of my account ?
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I should be getting loans easily but being refused
My salary is over 27k before tax, put 500 of that a month into sharesave anyway lucky I no longer need a loan but when I did even though my credit rating really good never missed credit card payment never missed a mortgage payment, and use to be on full credit card payment now or minimum, also have a overdraft never gona…
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Cannot get access to New MSE Credit Club platform
Not sure where to post this topic, but I am unable to access the new MSE Credit Club platform. I had access to the previous service, and have recently received an email saying I am invited to use the new platform. But, I keep getting an issue where it says my login attempt was not successful (see picture below). I have…
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Random address on Transunion
I've discovered that there is an address (near where I live) that is mentioned on my Transunion report (via Credit Karma and Totally money). I am not and never have had any connection to that address. Also, the address where I actually live has been listed twice - with different dates. When I go to transunion for a…
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Please help. 3 defaulted accounts.
Hello, I am certified accountant in the UK. My credit score
has been ruined due to 3 defaults(for £700 amex, £195 vodafone and £100 I don't
remember what it was).
All defaults are happened at the same time a year ago between Jan 2023-May
2023. It used to be extremely high, but now It is that low, so I
can’t even dream…
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Defaulted Virgin account from 2017
Help and advice very much appreciated. I have a mental health disability and finances are a major trigger for me. I'm working towards fixing my credit file, but I have a recorded default with Virgin Media on my Equifax report. The account says opened May 2017 and last update April 2021. I am seeing missed payments for…
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linked address to my experian credit report that i don't recognised
Hi all Looking for some advice I've applied for re-mortgage and been declined as they said it's something on my credit report. I then gone the Experian to see what's on the credit report and noticed that there's a linked address that I do not recognized nor I know anyone that lives at that address. I was a victim of…
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Missed Payment Drop Off
If a credit file has some missed payment markers for the same company spreading for example July 2018-Nov 2018, for the same debt. Do these all fall off together when the first missed payment marker hits 6 years or do they all fall off one by one each month?
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What is zilch loan and getting them removed
Hi all, Looking on my credit file last night and found zilch loan on there with £0 as a balance and it's been active for a few years but I don't know who they are or why they are on my file so how do I get them deleted please Kind regards Mark
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British Gas adding accounts
I'm with British Gas have been for years. I am regularly getting notifications from clearscore that a new account is being added. When I check British Gas are removing gas and electricity accounts and adding new ones. This has happened 3 times so far. I know the score isn't real but according to their scores mine goes…
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missed payment on credit file error - how to resolve?
Hi all, Looking for some help - during Shell Energy transferring over to Octopus early this year we received a bill from Shell, however, when it has come to paying this shell energy is now closed. We contacted Octopus to make this payment to them since accounts were transferred and now there is no record of it so they are…
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Transunion
Just a polite warning to check your credit file. There were several mistakes on mine, which affected my score. An example being how long I had resided at my address. It stated less than 2 months, when it should have said 7 years 7months. I had to email the electoral register in my council. They then sent me an email which…
