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ClearScore verification questions
Has anyone else recently signed up to Clearscore where they ask random verification questions like: 'you have taken out a mortgage' then they give a month and year when youu had supposedly opened the mortgage account even though you haven't done. and then options to pick various mortgage lenders or none of the above. It's…
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Late payment banking error
Several years ago, I had a credit card account with Halifax that I considered closed. However whilst applying for a perfectly affordable mortgage I recently discovered that Halifax reported a late payment on this account to my credit file. This was surprising as I had not seen any notice regarding this late payment at the…
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Virgin performed 2 hard credit checks on me due to their error
I’m due to move into a new house next month so wanted to get the broadband sorted as I work from home. Ive gone with virgin media, signed up last week 15/02 they did the credit check, everything went through ok and got an email confirmation with the contract. Skip forward to the start of this week and had a call from…
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Which company is best to have for scores
Hi which company is best to have for score checking either experian or clearscore or are there others out there??
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02 - Letter from debt collection agency for 02 mistake on mobile bill now Credit score down 24 pts
Hi, I was wondering the effect of a mistake made by 02. I had to take a SIM with 02 when taking Virgin Broadband as part of the "deal" I cancelled virgin and also cancelled the aim last August. I received a letter from a debt collection agency and 02 saying I owed £181.81 on this same SIM. I told 02 I cancelled the SIM…
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Credit application - wise move or not?
Mrs has been notified that her credit score has dropped (still classed as 'good' though), and the reason seems to be that she has only a small amount of credit in her name and she's no longer using even that, as our spending all goes on my credit card. I know lenders do their own calculations, so a CRA's credit score isn't…
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How long until closed credit accounts removed
HiI have closed a credit card and reduced some limits, but Experian hasnt reflected this, as theyre still showing. Its been over 2 weeks so far. How long does it usually take?
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Natwest & Pra Group
Morning all....just after some input whilst waiting on a response from Natwest. I had 2 credit cards with NatWest. Natwest sold both debts to PRA PRA defaulted January 2018 - which finally fell off last month! Happy Days! However Natwest defaults dates are March & April 2018 so are still there....I have filed a complaint…
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Number of Agreements-Equifax.
Does this stop any Car Credit Application This is seen as Red style Marker via Equifax, possibly more cra's. I have currently eight Agreements, ranging from home improvements to techology. Finally my current used EV is mid term, from tomorrow 23 of 48 repayments to make. Is it possible to be considered for Car Finance.…
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Credit Utilisation - scores down
I am using a credit card of having limit 2000 pounds. I always use the credit card for all shopping. Every evening, I pay back to the credit card which I have utilised that day. So usually, my credit card balance will always retain above 1950 pounds. Today when I check my credit score, I have seen a negative impact in the…
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Virgin Money ruining my credit and telling lies :(
Hi there, I am looking for some advice and guidance about trying to proceed with a complaint to the Financial Ombudsman or otherwise find recourse where I feel I have been unfairly treated. In Feb/Mar 2023 I transferred my bank account from Virgin Money using the switching service to another provider. I selected that I…
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Cancel credit cards/close accounts?
I currently have 9 credit cards with available credit of around £9000. They are mostly all cleared, currently owe £520 between 2 cards that I use and clear each month. My question is, will it impact my credit report negatively if I close the cards I don’t use as I’ll be reducing the credit available to me? Thanks
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Default Notice for Zero
Hi there, I found out yesterday that a default notice was issued against me for a 0 balance from my bank. Ive never had a credit facility with them, never been over drawn but theyve entered a default notice against me. I've disputed it with transunion and raised a complaint with the bank. Im just curious as to how they are…
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Credit Score Dropped
Hiya, Looking for some advice as I'm a bit stumped. My credit score suddenly dropped 200 points a couple months ago and I have no idea why. It says my Argos card has been removed but it's still active and I even used it recently. I'm not sure what to do to bring it back up. I've attached a picture of what it says but I…
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O2 Default
I'm looking for advice please: I applied for a mortgage from Natwest and was refused due to an adverse payment entry (this was pretty much the email I sent to O2): It shows an amount of £9 in default for 12 months or so. I have never received any communications from them regarding this, the first time I'm made aware is…
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Imposter on my credit file!
Hi there, I have just checked my credit score on checkmyfile and under the Electoral Roll field there are 2 reported addresses for someone with a similar (not entirely correct) name that's definitely not me!! I have emailed Crediva who put these on my file but haven't heard back? Should I also notify the police? Thank you
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CCJ added to my equifax record incorrectly
Hi I had a look at my ClearScore report and a CCJ is being added. It's not mine. The first name is completely different to mine and it belongs to a sibling. I have emailed equifax. Is there anything further i need to do to get this removed ASAP. Thanks
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Missed Payment - Wasn't aware I had!
I had an update on my credit file today to say that I'd missed a payment for my water, I'd been trying on and off for a year to get registered on my providers site but it never worked and I arranged with them that I'd pay monthly when they sent me a bill. Reason being the house was previously unoccupied and after…
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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,…
