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Removed financial associates
I finally got round to requesting the financial associates on my credit file be removed. These were with my ex wife and have been on there over 10 years !! However Experian were very quick and confirmed today that they have been removed and will not visible to any lenders. How long until I can no longer see them on my…
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Failed Credit Check from Carphone Warehouse
I have recently just tried to take out a contract for £30 a month with Carphone Warehouse Currys but my credit check failed and was rejected. They couldn't tell me why, I have never had any debts etc, but also not owned any credit cards, just direct debits for bills. I also have changed address every year due to work, if…
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CCJ ISSUED AGAINST ME FOR SOMEONE ELSE'S DEBT
I briefly helped my husband with some painting of wardrobe doors which he makes for customers. I helped for a few hours a week when having time off as a professional carer. My husband had a dispute with a customer which ended up with me getting a CCJ as well because he mentioned my name on his website as the person doing…
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CCJ removed?
As the title asks, can these be removed i rather dropped the ball on a small debt (company credit card) that i believed was a company matter but turns out i had given a personal guarantee.. it went to court before xmas, i was in hospital for an operation, dropped the ball etc and it slipped through Are these things…
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Online Clothes Store - THIRTY hard searches for one purchase?
Hi all! Happy new year to everyone and thanks for the approval, great to be here. I’ve tried to find similar issues but only came across a Barclays thread whereby people had two hard searches done during applications with them. Im posting here on behalf of my mother, who recently purchased a very small amount of clothes…
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Credit karma
Hello, bit of an odd one. My partner checked his credit report and it said he was utilising 2000% of his limit. It is showing a credit account as active when it is a closed account. The amount outstanding is his debt owed but none on account that's open. Is this correct? Just on mine it doesn't show.previous accounts on…
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Default still visible after six years
I have a default dated 15th December 2017 still visible on Experian. Yet Experian say default are removed after six years. It has been removed from Clearscore and Credit Karma. Anyone know why this might be? Thanks
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Credit rating
Hello, my credit rating has gone down recently. I have not missed a payment or done anything wrong. We have recently relocated and moved, we sold our house and paid off our mortgage. We are now in a rented property while looking for another house to buy. My borrowing as therefore significantly reduced. We are now on the…
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Threat of Identity Theft/Fraud
Hello, I am looking for some advice please. I have had my identifiable documents stolen (address, account numbers, dob, NI number, etc) and I am wanting to understand the best ways to protect myself from identity theft/fraud. I have informed my banks, who aren’t overly concerned because the thieves don’t have my cards or…
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Is saving negatively affecting my credit score?
I've started to put whatever I have left at the end of the month into an ISA with Zopa. I can't link this account with any of the credit score apps so I don't think they have an visibility of it, and since doing that my score has started to drop significantly and I'm wondering if they're interpreting me moving money into…
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Limited Right to Manage Company - CCJ
Hi, I'm 1 of 3 flats that are part of a Limited Right to Manage Company, this means the freeholder has given over us the right to manage the freehold, and we pay our own liability, buildings insurance etc. One of the other flat owners who is registered on companies house as a director, as am I, forgot to do the company…
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Same debt on Credit Report
I defaulted on a loan in 2018 however the debt is showing on my credit report twice once with the actual lender and then again with the DCA is this right or should it only show once. In addition the original entry is not showing as defaulted it just says it’s closed.
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Default against my name - rogue trader
I am looking for some advice, I purchased a newer used car from a small dealership in 2020. I traded in my old vehicle, towards this car. Long story short, the dealership did not pay off the outstanding balance of the car I traded in and then ceased trading. The finance company have defaulted the loan against me, and I…
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Identity theft - Do I have grounds to apply for compensation?
Hello, apologies in advance if this is posted in the wrong section of the forum. Earlier this year I discovered that in late 2018 someone fraudulently took out a payday loan in my name. As no repayments were made on the loan, the account eventually defaulted and was passed on to a debt recovery firm. I have finally managed…
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Default and AP Markers
**Apologies for the extremely long post** I wonder if anyone could assist on my situation? Early 2014 took out car finance with Black Horse for my small business. Within a few months of taking this out a company I was subcontracting for went into liquidation owing me £££ of pounds. This left me in a situation where I was…
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Doing soft credit check without updating
I know that a soft or "quotation" search doesn't mean anything, but those all search results showing all the time in my credit report. these are "soft" searches. But none the less why are "Madison Cf Uk LTD T/A 118 118 Money" CONSTANTLY searching my credit file (particularly Transunion). It's not good because when I am…
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Can Santander audit me, when I don't have an account with them?
On doing a recent check to try to ascertain why my credit rating had been downgraded from 'fair' to 'very poor', I noticed that Santander (with whom I have no account) did an audit on me, last December. At that time, my card (for the account of my mother, for whom I have power of attorney) also wasn't working. my own card…
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Online gambling accounts
Hi all, Over the past 18 months I have noticed a couple of entries on my credit file for which Anti Money Laundering checks were done by online betting companies. I have never used these sites so was clearly alarmed to see these searches. the odd things is that the checks were done using my old home address which is why I…
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MoneySavingExpert Credit Club credit report issue
I joined up to the MoneySavingExpert Credit Club https://clubs.moneysavingexpert.com/creditclub/dashboard a few of months ago, but now when I go to check my credit report I just get an error message saying the following; Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again…
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Credit Karma
Hi I'm not sure where is best to post this. Or if I should email MSE directly. But I was wondering why they recommended this company given their poor reviews on their Facebook page. My experience is they send out alerts for credit searches that they are responsible for creating themselves. It's alarming if a search with…
