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CIFAS DSAR - Response Issued but No Email
Hi All, I recently raised a DSAR request with CIFAS, not as a result of any problems etc but out of general interest. Looking at their tracker, it says that the response was issued yesterday, however I can’t see anything in my email indicating something has been sent (I’ve been through my junk etc.). Has anybody had the…
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Moneybarn - Link Financial
Hi, looking for some advice. I had a car on finance with Moneybarn and they agreed to a Voluntary termination in August 2024. I was left with an outstanding amount of £1069 which they agreed I could pay off at £80 a month. I have paid this every month. At the beginning of May this year I received a letter from Moneybarn…
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Credit Club Affordability Score
Hello, I have a query re the Credit Club - apologies if this has been answered elsewhere. I retired relatively early so live off a small pension and a mixture of different savings. The Credit Club insisted that I do not include any savings in my income (unless I misunderstood it) so I now look like a pauper and have been…
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Is It Better To Pay in Full or Pay Less
Hi everyone I didn't pay our water bill and subsequently have a CCJ against me for £3000. I feel very bad because my husband has been included in this even though the water was in my name only. As a result of this his credit card limit has been put down from £7k to £500. So far we've paid UK Search two lots of payments as…
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Financial connection - need to remove them?
I noticed on my Transunion credit report I have under “financially connected or was previously connected to’ my husband who I am separated from. It says last confirmed in 2016 a secured loan that we then paid off in 2019 when we sold our house. That’s the only thing showing in there and only connection we have. But is a…
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Missing accounts in Transunion and MSE Credit Club reports
Finally got around to looking at these, only to find my two current accounts (both with overdraft arrangements) and my main two Credit Cards (with one of the current account providers) are missing. As is my small loan account with a Credit Union. Together that’s about 50% of my (exceptionally well managed… ;-)) credit…
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CCJ/Trust deed - CCJ removal & credit acceptance
Hi there Over 6 years ago i got myself into a trust deed. I paid it all off over the space of the 5 years. In fact ,i paid it off 6 months early. So 6 years on everything on my credit file was cleared from my credit file except my CCJ. ( i dont even know why the company filed for a CCJ as they already agreed to the trust…
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Approaching a default
Hi all, I had some health issues a few years back and ended up defaulting on a CC debt. I tried to work with them but alas it went to a debt buyer. I have a payment plan with them and paying it off at a good pace. Is it right that they are still marking each month as a default? I am on year 3 of the debt on my credit file.…
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Credit Club "Credit Insights" wrong
As in the title, MSE Credit Club reports: Credit Report Insights: You have 3 things to work on: *You’re using over 50% of the credit limit on at least one of your accounts -----------No I'm not. Nothing in the Transunion, Equifax or Experian reports suggest this. *You busted your credit limit on at least one account…
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Credit card usage reporting?
Just had an update to my Transunion score in my Monzo app and it's dropped slightly. Not that it might make any difference in the real world, but it's showing that I'm utilising 97% (£2800) of my £2900ish limit on a card when I'm using £125 of that (going to clear that and close it in the next few days anyway). Cut the…
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CCJ - removing charge on property - paid after 6 years
I've tried googling but can't find the help I need. So I'm hoping the MSE mindhive might be able to advise me. My partner, years before I met him, unfortunately had issues with our water company - he became stubborn and ended up with 5 CCJ's (including charges against his property) for unpaid bills! These have now all been…
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Rejected faulty lease car, credit file
Hi all, I rejected my faulty lease car and the finance company agreed to rescind the contract, with the legal obligation to restore my position to as if the lease never happened. They say, however, that they cannot/will not remove the hard credit check from my file. Given the lease had to be terminated through no fault of…
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Unable to update details on Credit Club
When you go to the 'Edit your details page', the save button is greyed out. There are no validation errors or any other messages whatsoever visible. No matter what you do, the button remains unavailable. It is not possible to save any changes to your account. Please MSE fix this.
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Ending IVA Early..show soon to get credit
Afternoon all, I'm in discussions with my I.P regarding a full and final settlement. Has anyone got any experience with how soon you were able to get credit for a vehicle after ending your IVA either early or on time as planned?
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soft search history access for lenders
We all know there is hard & soft credit check as a search’s audit performed ln an individuals credit file by lenders . Hard searches are permanent markers and they are ‘shared’ by/for other lenders, while soft search history footprints are relatively new and the fact is, they do not affect credit score (which is contextual…
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Bank closing account in 60 days
Santander have said there has been some suspicious activity on our bank account which has been blocked and are closing it in 60 days, the suspicious activity is against my husband's bank card. Can I still use the bank account switching service and should we still be able to get a joint account?
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Husband's CIFAS marker
This discussion was created from comments split from: Husband's CIFAS marker.
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Financial association with ex partner on closed account
I see from the sticky that a bank account which defaulted and was closed will take 6 years to be removed from my credit file. The account in question is a joint account with the ex partner which had an overdraft balance of about £1500. It defaulted after I was made bankrupt in early 2019. I have no financial connection…
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Defaults - what happens after 6 years
Hello I'm sorry if this question has an obvious answer but after searching online I can't find a definitive answer. I have lots of defaults on around 8 credit cards - the balances of which have mostly been transferred to other agencies now. They all defaulted in around 2021 and I have been making token payments for a some…
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Closing down an old bank account
I have had a bank account for almost 10 years which I no longer use. I am inclined to close this down as I have several other accounts I use on a daily basis. The only thing that is holding me back is that Credit Karma says that closing down that account could have an impact on my credit score. I know well that is only a…
