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Credit score effect when clicking to "view and apply"
I'm interested in a loan via MSE, i understand that only a soft search is done, but if I "Click and Apply" for one in particular to read more info, does that hit my credit score, before I've actually completed any further details?
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Payment holiday
Over the past 2 years I've had an excellent fixed price energy tariff. Knowing that my payments would rocket at expiry time I deliberately overpaid. Now on my new eon tariff I've a healthy credit. So I asked eon to significantly reduce my monthly payments to eat into my credit. They won't do it enough to make much…
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Company on my credit file been sold
Hello, I'm interested to know if Shell Energy are legally obliged to remove their details from my credit report now that they have been bought by Octopus? I still owe them £1340 (not been with them since 2017) but it says account won't be removed until 6 years after closure. Well, surely that account is now technically…
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Weakening credit score
Hi guys, i’m sure this has been asked upmteen times - but why should I be seeing my credit score coming down for no apparant reason? I have a free experian account, they are showing me the reduction to try and hook me in to paying £15 for a more detailed picture. It’s apparantly reduced 30 points since 4th November, down…
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Default date change on the 6th year
Hi, I have a default from 2014 and the default date was changed in 2020 so is this on for another 6 years? This is Scottish power, Thanks
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Updating credit files
How do I get my phone number removed from someone else's credit files? For the last few years I have been getting calls for someone else. Apparently I am listed as a possible contact number for this person and have had phone calls from various credit companies and even the police. The person who I am linked to, I used to…
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Perch added to file x4
Hello. I have woken up to a message from clear score to say I have updates being added to my next report. I logged on and perch are adding 4 accounts to my file which comes under the category of pay day / short term loans. I was in a lot of debt 7 years ago and went into an IVA. I settled that IVA in full around 16 months…
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Charging order by cabott
Does anyone have any knowledge how to stop a creditor going through Northampton business court putting charging order on the property An interim order by Northampton business centre calling it a court order The property already has a rx1 form on But that doesn't stop any charging orders
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Bank error leading to loan payment default - compensation
Our bank has made an error taking a final loan payment from us and then failed to notify or chase us for a year (I didn’t check as the DD was in place, funds available and we received a statement). We’ve made the final payment now and had the interest wiped, but there’s still the issue of it impacting our credit score. We…
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Default account: what shall I do?
Hello my wife was a subject to a racial attack by our landlord in October 2019 just before the pandemic and we move out of our property on a very short notice. As I worked remotely at the time, we went visiting my wife's birth country to give her some support, exactly when borders were shut. I continued to work remotely…
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Credit Score (I think) halting Savings Account application
Hi. After calculating all the interest I/we've earned this tax year, I worked out that my allocation (if the interest rates stay as they are) due to me having a couple of regular saver payouts would probably just take me over the £1k PSA limit so we decided to open a separate savings account for my partner.........or that…
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Credit files before mortgage application
I am nearly in a position to apply for a mortgage, but my accounts need tidying up first and I'm not sure what is important and what isn't. I have 9 current accounts all with benefits. I love the benefits (rewards, cash back, savings accounts etc) but would it be sensible to close some and forgo the free money? My longest…
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Credit scores post defaults
Just thought i'd post this for info, if there's anyone else in a similar situation wondering what will happen to their credit score when defaults are removed; Quick back story, 7-8 years ago I had numerous credit cards with large balances that eventually I couldn't afford to pay even the min payments on. Long story short,…
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CRA and Incorrect Data
My friend is trying to get a mortgage and has discovered a financial association with his mother that he has never had and a CCJ which was issued when he was 16. It appears that these relate to his father who has the same name and same address until 15 months ago. Surely it is the CRAs responsibility to make sure they…
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MSE Credit Club moving from Experian to Transunion
Just got an email from MSE basically stating the above. No specific timeline, but the key question is, are there any alternative free sources to my Experian file once the switch happens?
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CCJ Impact
So just a quick question really how much of an impact is my CCJ having on my file I’m literally 1 month away from a satisfied CCJ falling off my file. have a few credit cards all upto date no missed payments on history for 6 years contract, phone broadband, Argos card always used for 0% so hopefully a decent level of…
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WARNING: NextPay T&Cs
This is an important warning to anybody operating a NextPay account to make online purchases and for anyone who regularly makes a purchase with them each month. It isn't made necessarily clear at any point other than deep in the terms & conditions, but if you purchase something for that month, and then return it within the…
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Just got Cifas Marker removed
Hi I need help, I just got my Cifas Marker removed by starling Bank but still cannot open and account as I tried opening a monzo account and got denied please tell me what to do as I need help
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Old Debt - Settlement
If an old debt does not appear on a credit file, does this mean it was originally defaulted, and dropped off file after six years. The reason I am asking is that friend has been on a DMP since around 2004 paying nominal payments. They now want to settle the debt but the debt company states that the debt will reappear on…
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Credit file total confusion
So im in the middle of the mortgage process and there is obviously been a lot of talk of credit files, i use checkmyfile so can see the entries for experian, equifax and trans-union. I can see various accounts reported by different bureaus, but my main bank account, credit card and mobile phone contract are reported by all…
