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Online gambling accounts
Hi all, Over the past 18 months I have noticed a couple of entries on my credit file for which Anti Money Laundering checks were done by online betting companies. I have never used these sites so was clearly alarmed to see these searches. the odd things is that the checks were done using my old home address which is why I…
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MoneySavingExpert Credit Club credit report issue
I joined up to the MoneySavingExpert Credit Club https://clubs.moneysavingexpert.com/creditclub/dashboard a few of months ago, but now when I go to check my credit report I just get an error message saying the following; Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again…
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Credit Karma
Hi I'm not sure where is best to post this. Or if I should email MSE directly. But I was wondering why they recommended this company given their poor reviews on their Facebook page. My experience is they send out alerts for credit searches that they are responsible for creating themselves. It's alarming if a search with…
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Bank debt still showing 13 years later
Hello, just checked my credit report and there is an RBS account that I defaulted on in July 2010. It says account is open and default date is September 2022? Will this stay on my credit report forever? I thought it was removed after 6 years but not sure if bank debt is different. I have not received any letters for years…
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O2 'unable' to remove fraudulent hard search from my credit report
Summary: I was a victim of fraud, I flagged it to O2 before they came to financial loss, but they say they can't remove the fraudulent hard search carried out on my credit file b/c they can't find the fraudulent account it relates to. What can I do? Longer explanation:I was a victim of identity theft. An employer was…
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banks & bs failed identity checks
I have come up against a problem opening new online savings accounts in your best buy lists. Failed identity checks seems to a common reason, but no one will tell me what the exact problem is. I have had same online bank account for 20 years in same name. I have never been in debt, not had an overdraft for many years, paid…
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Missing CCJ
Hi I am looking for advice. I was told by a solicitor working on behalf of Erudio student loans that they took out a CCJ against me. I had forgotten to update my address for various reasons I don't want to go into. Anyway I've been checking my credit files following the advice section on here but none of them mention any…
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CCJ
I have just found on my natwest credit score and Experion that I have a CCJ issued in 2021. I have no idea where this has come from, I paid £6 to Infotrust on line to see if where had a CCJ and that has come up negative! it says I have no CCJs. Can anyone help?
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Possible mistake by mortgage lender
Hi money saving experts! Not sure if I have put this in the correct category - it could fit into a few. A few months ago my partner died very unexpectedly at 42 (I am 39). We had just bought a house together and were joint owners. When I notified our lender that my partner had died, they said that the mortgage would be…
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Incorrect information on CRA reports - should I do anything about it?
I checked my Experian and Equifax credit scores using MSE Credit Club and Clearscore. Equifax's report says that I don't have a credit card, which isn't true - I've had at least one for over 30 years. Experian doesn't seem to know about my credit card either and also said I wasn't on the electoral roll at the address I'd…
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Someone else is using my home address
I keep getting letters from bailiffs chasing someone who is racking up debts on my property. How do I prevent this from happening again? Is there a company who can help? This person has never been registered at my address. It's getting worrisome as I don'twantmy credit rating to be affected.. Thank you.
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False mortality flag
Every single time Yorkshire building Society ask for an ID check with Experian they report that my name appears on the mortality file.Experian denies this and there is no such marker on my credit report.They say they are merely passing on information but will not disclose their source.The financial Ombudsman has seen this…
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How to remove an incorrect default from credit reports
Good evening. Since December 2022 I've been trying, without success to get an incorrect default from Barclays removed from my credit reports. So far the following have occurred: In September 2022 I rang Barclays to book an appointment to open my first current account with them in order to get my hands on the rainy day…
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Credit Report showing a Virgin current account that I don't have - Virgin agree too
Having just reviewed my latest Credit Report (on CreditKarma) a Virgin Current account is being reported, with the last four digits being stated.. Whilst I have had several bank accounts and a Credit Card with Virgin, they were all closed before this year, or earlier this year - but the Credit report states that it was…
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Is it better to close credit cards down?
I have a question as I have used 0% cards a lot and not have pretty much every credit card you can get. I'm not able to fine any new cards so I was wondering whether or not its wise to close some of them down but my concerns is whether it'll affect my credit rating by doing so? The idea is to close them down and then wait…
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Credit score effect when clicking to "view and apply"
I'm interested in a loan via MSE, i understand that only a soft search is done, but if I "Click and Apply" for one in particular to read more info, does that hit my credit score, before I've actually completed any further details?
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Payment holiday
Over the past 2 years I've had an excellent fixed price energy tariff. Knowing that my payments would rocket at expiry time I deliberately overpaid. Now on my new eon tariff I've a healthy credit. So I asked eon to significantly reduce my monthly payments to eat into my credit. They won't do it enough to make much…
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Company on my credit file been sold
Hello, I'm interested to know if Shell Energy are legally obliged to remove their details from my credit report now that they have been bought by Octopus? I still owe them £1340 (not been with them since 2017) but it says account won't be removed until 6 years after closure. Well, surely that account is now technically…
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Weakening credit score
Hi guys, i’m sure this has been asked upmteen times - but why should I be seeing my credit score coming down for no apparant reason? I have a free experian account, they are showing me the reduction to try and hook me in to paying £15 for a more detailed picture. It’s apparantly reduced 30 points since 4th November, down…
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Default date change on the 6th year
Hi, I have a default from 2014 and the default date was changed in 2020 so is this on for another 6 years? This is Scottish power, Thanks
