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Credit check failed for transfer from pre-payment to credit meter with utilita
I recently bought a new house where the existing energy meter payment option is pre-payment, and when I tried to change it to a credit meter I failed the credit check. I checked transunion (the credit agency used by utilita) which sent me to checkmyfile when I tried to find my credit score (I presume checkmyfile is part of…
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CCJ question
My credit file is poor with a few defaults, but the worst thing was a CCJ.This has been paid in full but the 6 years expiry was on 15/05/2024 so it should have dropped off my file on or shortly after that date. This was my one and only CCJ. How long should I wait before I expect to see an improvement in my credit score? I…
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Default twice
So I have an outstanding balance on a defaulted account with Three which was 6 years old a few months ago and was removed from my file. They have now re registered the remaining balance and are registering missed payments on the 20th of each month. I now have 2 and will be due to get the 3rd on 20th June my question is can…
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CREDIT CHECKS FOR NEW APPLICANTS
Does anyone know why some banks do not appear in one's credit file with Experian or Equifax? If these records are partly there to prevent fraud should all banks be on there?
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Tricky Three situation - they've got me by the credit reports
TL;DR: Three cancelled my service due to a miscommunication and are charging me for the full two years. How do I avoid the charge and keep my credit report intact? Morning folks, here is the full situation. I requested a PAC from Three and received it in an SMS with the following information: "If you switch today, the…
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TotallyMoney vs CreditKarma vs ClearScore
I already use CreditKarma and ClearScore. Is there any benefit in signing up with TotallyMoney?
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No Credit Card on MSE Credit Club
Hello, I have just looked at my credit info on the new MSE credit club website. It states that I have no active credit cards. It shows I need to "Start demonstrating responsible credit use". I have had a credit card for ages, which is used regularly and paid off each month. Can anyone advise how I can get this credit card…
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Legal Advice Needed on Debt Collection Practices
Hi everyone, I'm seeking some advice regarding a debt that was originally with Halifax. I then defaulted, and the debt was then sold to Cabot. I’ve been following a payment plan for several years and have paid off about 70% of the original debt. Recently, Cabot has been sending letters urging me to contact them to discuss…
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Improve Credit Score
Hi there! Based in Scotland here, and first time I join a forum of any kind! I just had a financial health check with a senior banker at my bank, and found out I have a lower credit score than expected. Apparently, what impacts it are two things: * the fact that I've recently changed address, meaning that I have only been…
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Residential director
H I'm a residential director of a non profit making company that maintains our housing estate.Im just a representative for the residents, so have a say on what areas get maintained and the costs we get charged. Is this in anyway going to affect my mortgage application? I was considering just resigning as a director so it…
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credit reference agencies, fraud, identity theft etc
Is it worth it to keep monthly subscription to both Experian and Equifax while having credit to keep an eye what changes are done on my credit file just to make sure that nobody is committing fraud on my account, using my details, taking out loans in my name etc?. Are there any better and cheaper ways to protect oneself…
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Will I have to undergo a hard credit search to switch bank account type, to a student account?
Hi does anyone know if I would have to undergo a hard credit search if I were to switch my standard current account to a student account (as I have recently become a student). Or could they switch my account type with just a simple soft credit search? I’m fine with soft searches, but want to avoid any hard searches, as…
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Resolve call chasing debt paid off years ago.
Hello Newby here. I just had a text telling me I'm getting a house call from Resolve Call. It quotes the name I had 20 years ago, and the link is about a debt I had 22 years ago that was paid in full within a year by installments via an Allpay card. I received help and advice from the local community law service at the…
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Fairscore (T/A as Updraft)
Had a loan with them opened in October, they didn't report it to any CRA so I was thinking they weren't going to. Then I check my live Transunion report and see it has been added today. Presumably it will now appear on the next version of my Equifax report. It's just frustrating it's taken so long as I was working and…
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Rebuilding finances after DMP without credit card
Evening all, I’m new to this category of the forum , I’ve mostly been over on debt free wannabe areas of the site. i have just finished my second DMP , my first was 2017 to 2021 and my second 2022 until 2024 (last week). Of course , I’ve had a few defaults, the ones from my first DMP have dropped off my file now but I have…
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CCJ set aside cst law
New here wonder if anyone can help In January 2024 I had a notification that my credit score had changed this was on my halifax bank account I was absolutely horrified to see that early January 2024 a CCJ had appeared It was from a property I had owned and sold in 2020 I had informed united utilities I had moved out I…
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Bank account closed, very scared
Hi everyone, I'm in a tough spot and could use some advice. Last week, my bank account with First Direct was closed without any warning. I'm already dealing with about £18,000 in debt and planning to enter a Debt Management Plan because of high living costs. I have autism, which makes financial management more challenging…
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Defaulted account affecting credit score
So in May of last year I was switched from Virgin to O2 for my mobile phone. I had always had great service from Virgin, been with them ever since I first got a mobile phone, but O2 was a nightmare from the word go. I started being bombarded with texts, emails & calls (always from Indian call centres) plus the amounts I…
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IDENTIFICATION: Generic Check
Hello. So on the 4th of Dec 2023 I was looking for credit card deals on my CreditKarma app. to see the best deals available to me. After doing that I could see on my Experian credit file all the soft searches for this which is fine as I understand that’s what happens. Amongst these I could see a few soft searches for…
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Am I at fault?
I took an 18 month broadband contract with Vodafone July 2018. 3 months later after countless calls to Vodafone, 3 OpenReach engineer visits & a booster later, I could not get a working service in my property and I advised I had to leave due to non-working service. I was charged an early termination fee of £215 which I…
