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Credit score
I am currently paying back a 0% credit card of £5000 and another one of £2500. I pay more than the minimum every month to clear them quicker. Once i finish paying them will my credit score be damaged for a long time?
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Credit report says only 18 months at current address...
...but I've been here 30+ years! I was just reading my creditkarma report and it says one of the areas of improvement will be when I've lived at least 5 years at my address; however, I moved here back in the 1990s.It seems that the Council (re?)registered me on the Electoral Register 18 months ago, in Dec 2021.I've never…
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Boosting my partners credit rating by adding her to an old account of mine
Hi, I want to boost my partners credit history as currently she has next to nothing. If I add her to one of my oldest accounts such as one of my mortgages/bank account or phone contract. Will she then have all the length of age or would it start at month 1? I have accounts over 10 years old. Surely adding her to one of…
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Experian credit Marker on file more than 6 years for closed accounts
Hello everyone. I am trying to find out why I have credit payment history (mostly positive but the odd missed monthly payment) going back well over 6 years on some closed accounts when I check my Experian report. Everything I search says CCJ.s Defaults and missed payments drop off after 6 years. I dont have any CCJ's or…
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Date of Birth given to scammer
Good evening, I had a call today from someone reporting to be from my credit card company. They said there had been fraudulent activity on my account, and had my address and last 4 digits of the credit card. They told me that they would be blocking my card, which I was happy with in light of there being fraudulant…
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Bank marked a default despite IVA and nothing seems to resolve it
Hello forum friends, Struggling with a credit issue. In April 2020 after Covid hit I was out of work, heavy in debt, so a debt advice line recommended I take out an IVA, in which all debt – including my Halifax credit card – was taken on by a third party agency. Halifax, while agreeing to the IVA, did not seem to register…
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CCJ for a Court Awarded Costs debt in a long running civil case that has moved to fast track
Hi, Does anyone have any experience of this type of debt/CCJ - apparently the process follows a different route to that of other types of debt? On the 8 July 2022 a judge made an order that I should pay the other party's costs £180.00 ( a poor judgement in my view, but a debt that needed paying nevertheless). The other…
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Bank data error - lowered credit rating..
Hello fellow savers. I’m after some advice as what to do next. I am fortunate enough to have a buy to let rental property with a 75% LTV mortgage on it. This is with RBS. I also have a residential mortgage for my home. Whilst in the process of moving house, at the point of exchange ( 2 days before completion ), my…
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Creation Finance to Lowell
Hello, I took out a loan with Creation Finance, went through financial difficulties and ended up go through Step Change from June 2019. When ive looked at my credit file I can see Lowell has taken over the debt from Dec 2019. Ive attached my credit report without personal details below, i have been paying every month via…
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Advice on old CCJ
Hi Thanks for reading I have an old CCJ from approx 2016 (I can't remember the exact date). It was for a Barclaycard £1,500. I was made redundant shortly before this but daren't pay it off, as I was only just managing my mortgage, due to the fact that my ex had stopped paying his contribution in 2013. (This was his only…
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Default Or Satisfied Date
Hello, I've an entry on my credit report that shows the below: Which date will be used for the 6 year period dropping off? Default Date - 04/09/2019 Satisfied - 10/02/2023 Thank you
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Car loan application accepted, but APR is far too high!
Hi all, I've been tentatively looking to change my car. I have about £4k left to pay on the current HP deal (£240pm until October 2024), so taking into account paying that off and getting a newer car, I applied through M&S for £18k over 6 years, with the base APR at around 5%. I was accepted, but with the APR increased to…
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Missing debts on credit file
I have several outstanding debts that have not been paid for nearly six years. Only one is showing on my credit file - I have used checkmyfile so have been able to see the information across the three main agencies. Can anyone explain why this might be please?
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Tiny income - can't get started
Hi, I have a very small income as I'm living off savings. I'm 58. I wanted to get a credit card but I have zero chance to get one from any of the providers. I'd like to improve this but the advice I've seen suggests you need a credit card to being improving your record. Is there anything I can do?
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Credit Reference Agencies - Who Really Uses Who? II
Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which credit reference agency (CRA) they use to search and report to as people post it up. PLEASE HELP KEEP THIS THREAD UP TO…
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Damage Limitation
Hi, I’m trying to figure out which scenario is going to cause me the least problems / harm to my credit reference files. 1. My current, and only credit card is due to be discontinued on the 6th of June (Jaja are withdrawing their own branded cards from the market). If I don’t find a replacement by the end of business on…
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Company Credit check by an individual
Hi Can I carry
out a credit check on a double glazing firm? I’m
thinking about using a local firm in business from 2017 but the most recent financial
statements submitted to Companies House were unaudited and only up to end of February
2018. Experian
and Creditsafe only seem to facilitate a credit check on a company by…
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Plumber threatening debt collection agency
I have recently had a dispute with a plumber who didn’t complete work and ghosted me for 7 weeks. I resolved the leak and repaired my property myself, he found out and sent me the invoice the same day after weeks on no comms. I have paid him and take away my costs for time and materials and he is now threatening a debt…
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Xbox live subscription
My bank card got hacked so need to cancel my Xbox subscription however I do not know email or password and cannot recover via Microsoft as they need associated email which my daughter cannot remember! If I were to cancel via the bank would it effect my credit rating as they may try and take payment in future as I didn’t…
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ID theft and declining credit score
Hello All I have some dodgy new neighbours that I strongly suspect steal my post. They have applied for a number of credit cards and bank accounts all at the same time using my details. I have had a few calls from some credit card companies they have used after suspecting that it was not me who applied for these services.…