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Experian credit score
Hi, I’ve recently signed up for a free trial credit score with Experian but I’m struggling to contact them as cannot log into my account and therefore cannot cancel the trial before they start charging me. I haven’t even been able to access the credit score on the account even after receiving a letter from them with the…
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Credit Rating from Scratch - What to do?
So I decided to join here, in the hope that someone can point me in the right direction... because I am currently completely and utterly lost. Here's my situation: * I have no credit score or history. * Suffered a disability diagnosis a few years ago. * I lived abroad most of my 20s and have never had a credit card or even…
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CCJ
Hi can anyone help? In 2019 i lost my fiance and had to sell our home. i rented it back for a few months before finally leaving. My landlady said she would take over the energy bills so i gave her the final reading. As i was still walking around in a bubble i didn't contact the energy company to say i was moving. Stupid of…
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Laybuy fraud wilko!!
Hi has anyone had any luck with a response from laybuy? I still haven’t received any! Iv contacted my credit card company and they are refunding me but i am worried about the laybuy weekly payments and having it on my credit file!!
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Credit check - new job
Hello, I was hoping someone can give me some advice. I have just secured a new job but it requires a credit check (it's for a FCA regulated pension/insurance company). The role is in marketing so not customer facing and with no or very limited access to customer data. I have no bad debt, a good credit score and I've never…
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Slowest Companies for Reporting Balances
Who are people finding the worst for updating CRAs with information? I'm finding barclays are showing on my CRAs with a recently 'updated' credit history, i.e. balances, payments etc but then the balances show are not reflective of payments made within 4-5 weeks, neither do they show my latest statement balance. Other…
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Will having some utilities registered to another address affect fraud scoring?
I have just updated my electoral roll, drivers license, bank, credit cards, v5c all to a new address. However I have a bunch of utilities (broadband, gas, electric, etc) all registered to a different address. Will this affect fraud scoring? I am looking to get a mortgage soon and wanted to check what will likely hurt my…
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Best course of action?
Hello, I’m new here and after some opinions. I need to borrow £30k for some roof repairs. My credit score is currently fair mainly due to high utilisation of my available credit (78% of £26k) and a missed payment to O2 a couple of months ago, because they wouldn’t let me pay the bill for a lost phone until I could tell…
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Credit Utilisation?
Do companies see this? Not sure if I've asked or mentioned this before, but checking my Transunion credit report, it shows my credit utilisation to be 81%. I have one defaulted credit card that I'm paying back slowly (drops off in June this year as that's the 6 year point since the default was registered) and another…
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Experian alert
I have had an email from Experian to say that my details have been found online. It shows the first and last few digits of a password linked to my email address and tells me to change the password on the website. As far as I can see, it’s a password that I haven’t used for at least 20 years so I’ve no idea which website is…
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ClearScore verification questions
Has anyone else recently signed up to Clearscore where they ask random verification questions like: 'you have taken out a mortgage' then they give a month and year when youu had supposedly opened the mortgage account even though you haven't done. and then options to pick various mortgage lenders or none of the above. It's…
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How long does a new credit card hurt your credit score?
I'm looking to get a new credit card (don't have any in my name at the moment - only add-ons on spouse's cards) but as we're coming up for a remortgage later this year (in the fall), I'm a bit wary of the hit a new credit card may cause on my credit score. If I were to apply now, how long would the impact of the new credit…
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Virgin performed 2 hard credit checks on me due to their error
I’m due to move into a new house next month so wanted to get the broadband sorted as I work from home. Ive gone with virgin media, signed up last week 15/02 they did the credit check, everything went through ok and got an email confirmation with the contract. Skip forward to the start of this week and had a call from…
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Which company is best to have for scores
Hi which company is best to have for score checking either experian or clearscore or are there others out there??
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Utility company have defaulted me twice....
Hey folks, In a nutshell my utility provider defaulted me for missed payments about 3 years ago on my joint "gas and electricity" bill. Fair enough. But then a couple years later they split my gas and electricity into two bills, with new account numbers, and put my old defaulted debt into them. But when I got in financial…
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Late payment banking error
Several years ago, I had a credit card account with Halifax that I considered closed. However whilst applying for a perfectly affordable mortgage I recently discovered that Halifax reported a late payment on this account to my credit file. This was surprising as I had not seen any notice regarding this late payment at the…
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How long until closed credit accounts removed
HiI have closed a credit card and reduced some limits, but Experian hasnt reflected this, as theyre still showing. Its been over 2 weeks so far. How long does it usually take?
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Credit application - wise move or not?
Mrs has been notified that her credit score has dropped (still classed as 'good' though), and the reason seems to be that she has only a small amount of credit in her name and she's no longer using even that, as our spending all goes on my credit card. I know lenders do their own calculations, so a CRA's credit score isn't…
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Credit Utilisation - scores down
I am using a credit card of having limit 2000 pounds. I always use the credit card for all shopping. Every evening, I pay back to the credit card which I have utilised that day. So usually, my credit card balance will always retain above 1950 pounds. Today when I check my credit score, I have seen a negative impact in the…
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Cancel credit cards/close accounts?
I currently have 9 credit cards with available credit of around £9000. They are mostly all cleared, currently owe £520 between 2 cards that I use and clear each month. My question is, will it impact my credit report negatively if I close the cards I don’t use as I’ll be reducing the credit available to me? Thanks
