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Protecting myself from identity fraud and potentially other crimes
It seems that I have exposed myself to identity fraud by carelessly disposing of shredded documents. I have since read that crooks may reassemble documents and use the information for crime. It's too late for me to stop this potential information leak. What should I do now to protect myself? I'm in the midst of a house…
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monzo have ruined my credit score and won't help they just ignore me even the ceo does
I closed my monzo account and I still owe money for their flex credit card and money for an oveerdraft and the past two months I paid using my halifax account in to the account they provided for payments, they took weeks to repsond by email I never got help on the phone and I told them I do not want "breathing space" they…
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Credit Report - when things get reported
Hi, after many years of keeping up with my payments I found that I had forgotten to pay off the minimum £5 on something which I ordered for £24 (hadn't realised I had used credit as such a small amount I thought I'd paid with debit card). Anyway, I missed the £5 payment on 11th Nov and it will be reported to credit…
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Credit Investigation Department
Received this email today It's not Colin as seen on your forum but a DavidBe aware pleaseThis is David from CID(Credit Investigation Department). Hope you are doing well. I just would like to tell you that we have got a legal complaint against you from "CapitalOne Credit Card Ltd, 118 Money Payday Ltd, Dot Dot Payday Ltd,…
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Credit Card stopped and credit score plummeted...
Hi all Not sure if anyone can give some advice. A while ago JAJA contacted me to say they were withdrawing my credit card and that it was a 'business decision'. I have just now noticed that my credit score has plummeted by around 200points in the last few months.... I assume these two things are linked? If so, what can I…
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Unknown Three account on file which nobody there can find or help with
I went to apply for some Interest Free credit on a purchase this week and it was declined to my surprise even though my rating is over 750 on Clearscore/Equifax with no missed payments on anything. It turns out the credit supplier uses Transunion and when I checked on there (and on Experian) there is a H3G (Three) account…
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Question for o2 customers
I’m on a sim only plan. It expired a few year ago so I’ve upgraded to another sim only plan. Will a new credit agreement be set up on my report or does it carry on with the same one as I don’t want o2 to appear twice on my reports due to my OCD and anxiety that something will go wrong. they said they’ll run a hard search…
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Defaults on credit report ( help )
Hello I’m Martin, was just hoping on some good advice really because can’t figure it out basically, so I have 2 defaults on my ClearScore account which I will upload pic on here so u understand what I mean, because one of the images say updated and when clicking onto it says opened account it’s confusing to no when too be…
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Double default surprise
Myself and my wife are preparing to apply for a mortgage, and even though both our credit scores on clearscore show as 1,000 we were advised by our broker to use checkmyfile to see a full report from all 3 credit agencies. To my dismay, my wife's report shows 2 defaulted payments, one to EE and one to a company called…
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KLARNA payment technical issue
Has anyone else had any issued recently with Klarna having problems recording payments? I have had an auto payment with them for well over a year where they take a direct debit however the last few months payments have not appeared on the app. I only noticed this as my bank prompted me to check my credit score and I now…
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Two Parking CCJs - 5 years old - Set Aside - Help needed
Hi MSE Forum experts I have been reading newbie forums and getting familiar with CCJ set aside process. Before i submit my application (n244 and witness statement) - i have few questions regarding chances of success. Background: Back in 2017/18 I was going through financial crisis and did not had enough money to pay these…
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LexisNexis soft search
Hi all, I’ve come across a very recent identity check and insurance quotation (soft search) by this company today. I don’t have any home or care insurance as I don’t drive and live with family. I’m not sure why they would have carried out any such searches. anyone got any ideas? I have read it can be price comparison…
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Help with credit check
I am trying to move my phone contract and I keep "failing" the credit check because my address is apparently not linked to the address I'm providing. I have contacted my bank, Experian and ClearScore who have all confirmed that the address linked to my credit rating is the one I am providing. I am at my wits end with this…
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To open a new bank account or pay £30
Me and the wife have been paying monthly to loqbox to try and improve our credit rating after paying off our debt. We have a remortgage next year and the wife doesn't want us to open a new bank account to get our money back. Our options are to pay £30 each to get our cash or open a bank account via them to get our cash…
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Recommended Frequency of Credit Card Applications?
I'm on a mission to get my financial management in order (I've no debts, a good credit score, don't need a loan or anything but I'm trying to focus on getting good value from my essential spending such as maximising Avios, or cashback if Avios aren't possible). With this in mind I got a Platinum Amex in late September,…
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I cannot log- in in my MSE Credit Club
I used to use a lot MSE credit Club to seey credit report, it was very useful. It has been almost a year since every time I log in (after writing my User and password) that I get this message: "Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure…
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Paying Your Credit Card In Full Can Still Leave A Minimum Payment Marker ........
...... In Some Particular Circumstances Looking at my MSE Experian report today and noticed a load of Ms on some of my credit cards. I thought this was weird as I always without fail pay the full statement balance, if there is one, by DD every month.As we are all aware, the minimum payment is something like 2% of the…
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CreditKarma Alerts Work !
Applied for a new CC this evening. Ticked "Accept a hard search" then clicked "Apply" and immediately had an e-mail from Credit Karma before the web page had even accepted the application. Well worth having for peace of mind. A pity all 3 free providers don't do it.
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Another soft search question, innit
Hi All I obtained an Experian credit account via the MSE Credit Club a couple of years back. All well thus far. Today and in response to an email from MSE CC inviting me to check my score, I logged in and found several entries in my credit search file made on the same date earlier this month. All the searches listed were…
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soft searches
I have checked my credit report and note since the 1 November until today there have been over 40 soft searches from a company called JAJA finance. Most are quotation searches and one is AF?. However no hard search has been done. I do not understand why so many from the same same company. Also I get my credit report from…
