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Equifax issues
I left the uk in 2009 to live with family in ROI, returning to the uk in December 2022. I’ve never had anything on credit in the UK so I didn’t have a UK credit report. I opened a UK Bank account, registered on the electoral register, have utilities in my name. On the 6th August 2023 my very first report was finally…
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Equifax - what does "Special Arrangement" mean?
Morning all, EON have suddenly decided to start reporting my fixed energy deal payments to Equifax (18 months after the contract started, but whatever...). I took a look at my report via Clearscore today and unlike all my other credit accounts, which show as "Active", the EON one shows as a "Special Arrangement", and so…
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Bank Account Closed and Reported to CIFAS for False Instruments Paid In + First Party Fraud
Metro Bank. Account opened in 2017. In late 2019, I sold my car for around £8000. Payment received by bank transfer. Three weeks later payment taken out and returned to sender. My account got restricted and then closed. No correspondence at any stage from Metro. No access to my other funds for two months. Tried to open a…
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My credit worthiness
Currently in the credit repair stages as I had some financial problems years ago due to issues out of my control and my credit took a beating for it, missed/defaulted payments and CCJs unfortunately, anyways a few years or so on and I’m trying my hardest to mend and build up my credit again, but I’m a little confused by…
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CCJ set aside advice
I've recently been made aware of a CCJ against me due to a search on my credit file after declined credit. The CCJ was sent to an old address for unpaid ground rent on a property I rent. I thought I had notified the owner of the freehold of my change in correspondence address, however it turns out that I have informed the…
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Paypal Pay in 3 + Credit Score Impact?
Afternoon all, I've had 7 pay in 3 plans from PayPal over the last 8 months and these are now showing up on my TotallyMoney report provided by TransUnion. Does anyone know if these have a negative impact on my file? All paid on time and now closed of course but they only started to show up last month. TIA
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Capquest question
A few weeks ago I received a call from an Aldershot number from a man who introduced himself as from Capquest, and proposed to "ask some security questions". I replied that since I didn't know him or Capquest from Adam, it should be me who's asking him the security questions. I cut the call and blocked the number. It…
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American Express & Default Removal **Success**
HI All, Just wanted to share my experience: Was made redundant in 2019 and couldn't afford the repayments on my AmEx card, total owed: £2.5k. They then decide to default it in mid-2021 (1.5 years later). I thought, hang on, isn't a default supposed to be registered within 6 months of the last payment? So in late ApriI…
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6 Years removal from what date? Credit Report
Hello, Little question about the 6 year rule for things removing off your credit report, Is this 6 years from when the account was opened, 6 years from when it defaulted or 6 years from when it was last updated? For example I have an account opened in 02/16 that is on my report, and it was deaulted in 05/2018 however I…
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Credit Club - "monthly share of rent or mortgage payments"
When logging into Credit Club today it said it needed additional information: "monthly share of rent or mortgage payments".I don't know what this means? I already provided how much my mortgage payments are when signing up (as well as being single with no dependents); those are things it always asks me to confirm when…
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Default on joint account held with ex husband
I went through a messy divorce in 2016, we had a joint account with Halifax. As part of the divorce (consent order) my ex husband agreed he would remove me from the mortgage and joint account. I signed the appropriate paperwork. I was removed from the mortgage, it turns out I was never removed from the joint account. I am…
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Mbna arrangement and credit score
Hi, looking for a bit of advice, I have 2 mbna credit cards, both of them are charging interest and I am unable to transfer my balance. I contacted them to find out options and they have said can freeze the interest for 6 months and I pay monthly, they then consolidate both cards to one loan and I pay monthly up to a…
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Missed payments on credit report and how long for them to disappear
Long story short. I had a current account with HSBC in 2016 which had a £500 arranged overdraft. I maxed out on the overdraft 6 months after I opened it and because I was going through financial difficulties, I couldn’t make a payment to reduce it. After 6 months of making no payments HSBC reduced the overdraft…
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Help CCJ issued unknown to me in 2014 I was overseas
Hi I was overseas and whilst away an old debt had a ccj issued against me having moved about 6 times in those years previous to 2014 I still am not sure where it was issued. I moved overseas in 2011, Having returned Lowells are chasing me for payment of 6000 pounds that I have no real recollection of. I think my ex wanted…
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Credit rating tanked because of finance refund error
Looking for advice and not sure if this fits in here.... Bit of a long story but I'll try and keep it as simple and to the point as I can. I traded in an old car in 2020 and the dealer settled the finance. The following month the finance payment came out and the finance company advised me to contact my bank to do a direct…
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Compensation requested for CCJ in Error Delayed the Job Offer
An organisation applied for a CCJ against me, after not using the correct address to serve details of a bill. As I was unaware of the bill, the bill was left unpaid. Once I was aware of the CCJ following a review my credit score, I pad the bill and informed the organisation that since they had not used the correct address…
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Bank account not on Experian credit report
Looking at an Experian credit report, a current bank account from RBS (about twenty years old and still used) doesn't appear. The Experian website says that it's the responsibility of the bank, and RBS say it's Experian. Does anyone have any suggestions?
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Help with credit application declined due to car dealers error.
I recently put a deposit on a new car. Done the application for the credit etc (which I've worked hard on for ages to get in a very good place) All went through and accepted. Then fast forward 1 week later to the day before car handover. The dealer put another application through in my name (without my permission) because…
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Smart Credit Ltd
I have recently registered with a Credit Reference Agency and can see that a company called Smart Credit Ltd carried out 4 searches on one day in July, and another on a day in May. Having searched for this company on the internet I don't seem to be able to find out much about them. I have no idea what these searches were…
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Unrequested Vanquis soft search
I joined MSE Credit club and for the first time, I looked at the soft searches.Apparently Vanquis did a soft search on my credit file earier this month.I don't remember any situation where I would have requested this.A few months ago, I think I did an elegibility check to see if I could get a Vanquis card but I think that…
