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soft searches
I have checked my credit report and note since the 1 November until today there have been over 40 soft searches from a company called JAJA finance. Most are quotation searches and one is AF?. However no hard search has been done. I do not understand why so many from the same same company. Also I get my credit report from…
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Hitachi (now Novuna) never defaulted me?! M&S Incorrect default date? how to fix?! Pls help!
So, in July 2019 I made some very bad financial decisions, I'm in serious debt and can no longer afford my loans or credit cards. I contact all my creditors and offer £1 a month for all of my accounts ( did this without StepChange ) and have continued to pay them on time every month. Long story short it's been 6 years now…
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Irresponsible lending & my credit file
Hello! New member here. I hope this is the right forum for some advice. About a year ago, the Ombudsman upheld an irresponsible lending complaint for me on a personal loan. As part of the redress, the lender was instructed to: * Remove all interest and set the loan to 0% * Remove any negative entries from my credit file *…
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Atom Bank and Equifax
I have a mortgage with Atom bank for over a year now, it appears on my Experian and TransUnion reports but not Equifax. Anyone else here with a Atom bank mortgage with the same situation?
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Soft searches.
I've just been notified of a soft search made by LexisNexis (IIL) - Insurance Services. I have not to my knowledge had any contact with this firm, indeed I have done nothing "Insurance Related" since last September when my Car insurance was due! Also intrigued by the Bank accounts showing zero! Can anyone advise?
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Remove arrangement to pay marker from credit file?
Years ago my debt situation was very bad. Multiple CCJs, defaults, late payments, payday loans, etc. Bar one default and a series of late payments which will come off in October, I only have one negative marker left - an arrangement to pay with my bank from May-August 2023. Basically what happened was, as I was paying down…
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electoral roll / credit file
I moved house end March , and updated with local council - my mse / credit karma and monzo credit insights say i’m not on electoral roll. but my experian says i am - my council also confirm i am and it was updated beginning April - should i be concerned with this or will it just update ??
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From your experience
My credit file is in a pretty bad way but in: 1 years time 4 defaults will drop off. 1 1/2 years time my last and final default will drop off. 2 1/2 years time 9 missed payments will drop off my report. The last default and the 9 missed payments are only showing on my equifax report and the 4 four defaults are showing with…
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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…
