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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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How long does a new credit card hurt your credit score?
I'm looking to get a new credit card (don't have any in my name at the moment - only add-ons on spouse's cards) but as we're coming up for a remortgage later this year (in the fall), I'm a bit wary of the hit a new credit card may cause on my credit score. If I were to apply now, how long would the impact of the new credit…
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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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Utility company have defaulted me twice....
Hey folks, In a nutshell my utility provider defaulted me for missed payments about 3 years ago on my joint "gas and electricity" bill. Fair enough. But then a couple years later they split my gas and electricity into two bills, with new account numbers, and put my old defaulted debt into them. But when I got in financial…
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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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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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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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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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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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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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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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Laybuy hacked, fraudulent spending, no response from laybuy
Please advise if this needs to go to another thread. Last week my laybuy account was hacked and used on a number of retailer sites in a short space of time. By the time I realised, £1200 of transactions had occurred. I immediately contacted the credit card company attached to the account who put a block on any further…
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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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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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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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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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Credit Score Affordability Should Include joint income
My Experian credit score shows my affordability as very poor but it doesn't take account of the fact that my wife and I have joint accounts/income and can easily afford outgoings. Is there a way to get Experian to us joint income rather than mine alone? Michael
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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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Credit File - Missed Payments
Hi. I'm just wondering if this is correct, I'm quite new to all this. I received a few defaults 4 years ago due to losing my 2nd job when covid hit. I know in just over 2 years these will be removed from my file. However I have a loan account on my file that I have been making an agreed reduced payment to every month for…
