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Adverse credit entries
I have a situation where I rented some flats and the tenants ran up electric bills they didn't settle when they left. I have since found out when applying for credit that the bills were reassigned to me personally. When I found out I settled the bills but they still show on my credit file (as settled) but they stop me…
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QUESTION: Credit Application Using Partners Details
In our household, I manage / pay for all of my family's phone contracts, internet contract etc. Recently updated x4 mobile contracts and on attempting a 5th got a failed credit check notification. My question is this... if I were to apply for this 5th mobile phone contract, using my good ladies details (her name, address,…
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Credit Score Affordability Should Include joint income
My Experian credit score shows my affordability as very poor but it doesn't take account of the fact that my wife and I have joint accounts/income and can easily afford outgoings. Is there a way to get Experian to us joint income rather than mine alone? Michael
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Credit File - Missed Payments
Hi. I'm just wondering if this is correct, I'm quite new to all this. I received a few defaults 4 years ago due to losing my 2nd job when covid hit. I know in just over 2 years these will be removed from my file. However I have a loan account on my file that I have been making an agreed reduced payment to every month for…
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Mystery Soft Searches
Hello everyone - sorry in advance for the essay. I've got a bit of a headscratcher of a mystery on my hands with regards to soft searches on my credit report. I'm hoping people might be able to shed some light or advise me on what the situation might be. I haven't checked my credit score in years, but I've got a move…
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What effects your credit score?
My husband has recently checked his credit score on Experian and got a decent score of 999. We are hopefully going to be applying for a mortgage in the next few months and he has an old credit card with a £10,000 limit on it sat there. We used it about a year ago to balance transfer about £1800 and pay it off. Should he…
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Credit car spend of credit limit how much?
Ive heard that keeping my spend low looks better on my credit history report, so it doents look like Im struggling maxing out my card. Is there a minimum amount I need to spend each month and do having more payemnts look better than just one?
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Two bank accounts hvaing one with no activity affect my history?
Ive got 2 bank accounts one I dont use and just trasnfer cash into very raraely when bank says theyre looking to close it.Would transfering some cash into that bank account help any way, other than just keeping it open?
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Credit rating hugely affected by 'missed' mobile payment that shouldn't have been taken
I have had a real issue leaving my previous pay monthly mobile contract (see Impossible to leave Plusnet Mobile — MoneySavingExpert Forum). The long and short of it is they should have cancelled my contract a few months ago and I had a message to say that was happening and apologising for past payments being taken that…
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Credit Score post IVA
I took out an IVA in 2021, I quickly realised it had been miss sold and was not the best option for me to clear my debts so i closed the IVA, The debts had already gone to 'in default' I have requested information from all of the current debtors (most were sold on so not the original companies i took out the credit with)…
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Unknown Clydesdale mortgage and financial connection added by Virgin Money
I was routinely checking my credit report via Credit Karma this evening and the first thing I spotted was my score had dropped from 660/710 to 570 (-70) in a couple of weeks - dropping from Excellent/Good to Fair. It usually moves by +/-10 but this was a shock. When I checked the information, a Clydesdale Mortgage was…
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address issues
I moved to a rural property about 9 months ago and immediately changed my address on everything including electoral roll. The issue is that Royal Mail and most postcode lookups have a totally different address format - it has the name of the property in common and the postcode but that's it - the electoral roll format just…
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Old pay day loan advice
Hello. I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago! I have no recollection of this so have asked for evidence. Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO…
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Incorrect Electoral Reg. info on Clearscore
I checked my most recent Clear score and it is showing a pending Electoral Register update on their site with incorrect info, leading to what looks like creating a new ER record. Basically my first name has been truncated and what is left is my middle initial and surname. I think Clear score gets its info from Equifax. I…
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PCP
I have was wondering if someone would be able to guide me a little better. I decided to apply for a PCP car, the application is the in the process of happening. However it’s a long distance sale and I was wondering if I decided not to take it, as I haven’t signed anything what would be the impact on my credit score? As…
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New Tenant Rent Reporting App tlyfe by TDS and OpenBrix - any good?
Has anyone used the new tylfe app? I'm considering it after receiving an email from TDS but I already report my rent to two of the three credit reporting agencies using Canopy and Credit Ladder and am wondering if I can get the third or even consolidate them all into one app for free. I can't find any reviews of the new…
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Equifax shows no searches
Hi, I have recently noticed that my Equifax credit report (via Clear Score) shows zero hard searches, whereas through MSE credit club I can see 4 (rightly so, 3 current account applications and a credit card application). Everything else seems to be correct on clear score, should I be concerned that there's no searches…
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Three UK 'missed payments' and 'default'
Really am at my wits end with Three. I was a Mobile Broadband customer and placed an order on the 29th November 2022 and opened an account. Then realised it would be quicker to go into store and take out a Mobile Broadband Contract on a rolling basis (England were playing football that evening in the world cup and I was…
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Old pay day loan advice
Hello. I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago! I have no recollection of this so have asked for evidence. Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO…
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Unknown Credit
Can anyone give me any idea if this can be resolved please? My daughter and her partner are trying to get a mortgage. My daughter has an excellent credit record but it has come to light that her partner has a bad debt she never knew about. Basically her partner was with another person just under 6 years ago and the ex put…
