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Buiying a new car with exisiting debt
I've just finished my PCP agreement for a car (£330pcm). I need a new car but have the following set of circumstances: - Credit Score 847/999 (Good) - Personal loan / £7,400 to pay of £10k / No missed payments - Mortgage / £184k left to pay of £201k / No missed payments - Credit card / £10k but 88% utilisation / No missed…
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Clarity in default reporting
Hoping to get some clarity on how these are reported as it seems every lender does it differently! In Sept 21 I went bankrupt. some lenders reported accounts satisfied in sept 21 (which I thought was correct) some lenders continued to report the accounts as being in default until Sept 22 (when bankruptcy is discharged) I…
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Can I sue a credit reporting agency
I had an issue where Transunion incorrectly put 6 missed payments on my credit report. After 5 months of investigation they finally admitted it was entirely their error and removed these inaccuracies. Before the fault I had a 990 credit rating, it dropped to 600 with the fault, I was rejected for a mortgage had credit card…
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Credit report shows missed payment
Hi, I was reviewing my TransUnion credit report today and noticed it shows a missed payment. It advises me to check the "Accounts" section for more details, but I can't seem to identify which payment was missed. Is there an easy way to find out which account or payment this refers to? Thanks in advance for any help!
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Trapped by Virgin Money and credit file lies
I'm at my wit's end - someone here must have experience as I can't believe I'm alone in this situation. Last year, my company went bust leaving me in dire straits. I contacted Virgin Money who took me through a long affordability questionnaire and finished by telling me I couldn't afford the payments (no sh*t!) and there…
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Lloyds bank reporting my account (after 27 years)
I received an alert yesterday from ClearScore relating to my Equifax credit report. The email was to inform me a credit agreement was being added to my report. Having panicked, i logged in, and it looks like my Lloyds current account is being added to my credit file. What i can't figure out is why its being added now (i…
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Incorrect defaults still registered after winning court case for CCJ set aside
Hi Here's a brief and simplified version of the situation. I had an electricity account with Eon at an unoccupied and derelict property that used minimal, and often zero, electricity. They regularly used estimated bills even though they were aware of the situation. The situation was kept under control for a number of…
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Credit Report Plan for a Mortgage
I'm wanting to apply for a mortgage however my credit rating is in tatters at the moment so I've come up with a plan to resolve it and wanted to share it to see if anyone had any advice or suggestions. Basically I was in about £15k debt in 2021 and the endless phone calls and knocks on the door was sending me under so I…
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How accurate does my address history need to be?
Are there likely to be issues with verification if I can't pinpoint the exact date I moved into/out of a property?
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ID mobile £2 has impacted my credit report
Hi, looking for some help. I was with ID mobile and moved provider when my contract came to an end. I received a text from them to say my estimated bill would be £0. I then cancelled my direct debit as when my wife moved from ID, they kept charging her for a contract she didn't have and I didn't want the same issue. This…
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ERUDIO student loans help
HI, My student loan has recently been sold to erudio student loans company. I currently defer my loan as I am below the salary threshold to pay it back. The letter states that erudio will supply details of my loan to credit rating agencies, something that has never been done before. There have never been any details of my…
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Cannot get into Experian
Today I received an email from Experian saying that a new account had been added to my Credit report & I don't know anything about it. So I tried to log in to Experian, however I couldn't remember my password, so I asked for a link to change the password, however no link appeared in my email address, so I tried saying I…
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Sister-in-laws added as financial associates
I checked my credit file via checkmyfile and found an association with my former sister-in-law (now divorced from my brother). We never opened or shared any accounts. Today I checked my file again, and now my other sister-in-law has been added! In both instances, it was being reported by Equifax but does not give any…
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Email fm Experian saying new credit account added
Please can you help as I'm freaking out a bit. Received email today from Experian saying "a new credit account has been added to your file" I've not applied for anything. I logged in to the app to check, there are no hard searches, which I would expect if credit had been fraudulently applied for? Soft searches are those I…
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Maiden Name Married Name
Hi all. My wife has recently remortgaged her BTL to a new lender, no additional borrowing, just to reduce the rate and she put it in her married name. All of her other accounts, including our joint mortgage, are still in her maiden name. She has recently tried to do a new balance transfer card in her married name but has…
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Unknown Soft Search
Checking my report via my bank account, I noticed there was a soft search against my name. It is from Bet Fred based in Gibraltar. I have never opened or tried to open an online betting account. What is also concerning is that it had the wrong gender in my title - Mr instead of Mrs. I know soft searches do not affect my…
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Moorcroft PayPal request
Hello, Moorcroft have been sending me letters claiming ‘they have been instructed by PAYPAL to collect my overdue account of £54’. These have been going on since 19.5.25. I have spoken to them and sent proof from PayPal that this is not my debt. They sent me a letter giving details of the transaction in question from a…
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Small Claims Judgement Against an Executor
I am the executor of an estate against which there was a small claims court judgement. The judgement was satisfied by the required date. My name appeared on the paperwork "as executor for the late *********" Will this affect my personal credit worthiness or credit ratings?
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Car finance company hasn't been reporting my payments to credit reference agency
Hello i am half way paying off for my car which I have on finance, however I've just found out they have not reported any of the £300 a month payments I've been making for the last 2 years! What can I do? I had bad credit when I started paying this off and was hoping my credit score would improve after all my payments but…
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Not using available credit
Hi all. My credit file says I'm "not using the credit available" and that's negatively effecting my credit. I have three credit cards I use and pay off in full every month. The only thing I can think of is a overdraft that I don't use. Could having an overdraft and not using it negatively effect my credit rating?
