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Poor Credit Rating
Hello you very amazing and intelligent individuals that make up this forum. I sincerely hope you are doing well. Sadly i had ill health earlier this year and had a drastically reduced income. Sadly i was late by 4 months paying a Barclaycard Credit Card and they have issued a default marker on my account. I have a Credit…
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Failed Three Credit Check but no idea why
Hi all, I just tried to order a 5G router from Three, it has said that I failed the credit check. The only reason I can think I may have failed is because I have only been in my current job for two months. However, I have over two decades of unbroken employment. I have no CCJs, no defaults, no late payments, I have a…
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Credit rating and debt repayment
Hi, I have managed to clear my spiralling credit card debt with the help of a friend. I intend to improve my credit rating and arrange a fixed term personal loan to repay her as soon as possible. My question is, do I close my credit cards down - or keep them open without using any credit - to build up my score quicker.
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Rejected for Bank account upgrade - HSBC
I’ll try to keep this as short as possible, but it’s an infuriating situation through no fault of our own. Went into HSBC to upgrade my husbands bank account, and the application was rejected. The only reason they can give is due to a ‘recent missed payment’ but they refused to go into further details. The only thing we…
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Calls from Debt Collection Agencies - Not me they want
A mobile number I've had for years (3 PAYG Data Reward) that has never been let loose in the wild has recently started receiving texts and robo-calls from three different (legitimate) debt collection agencies. One message named the intended recipient and it ain't me. I could just block the numbers and ignore but is there…
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"Settled" debt on credit file
I have a store card which is marked as "settled" on my credit file. I closed it a few years ago. I wasn't using it. I didn't owe anything on it... the balance was zero. I'm not sure I understand the meaning of "settled" exactly. I thought it had a negative meaning, meaning you'd reached an agreement as to how much you were…
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Drop in credit score.
I found out today that my credit score has dropped by 15 points. I have a credit card, which I pay off each month and I have recently paid off my mortgage. The only ‘to do’ I can find on my report is to increase (double) my credit limit, which I don’t want, or need, to do. Any advice on how I could improve my score, or…
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Credit Report 10years
Is there a way to get a copy of your credit report that covers the past 10 years? I need to know if I have ever been refused a loan application in the past 10 years for security clearance purposes and I honestly cannot remember, and want to be sure. Does anyone know if it is possible to obtain this information? All the…
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PCH Contract- Car not being delivered till december- can I cancel without fee
Hi Everyone- completely new to this and need some advice please- ill try to keep it quick and simple I ordered a landrover Personal contract hire with a dealer just over 2 months ago- the car is due for delivery in mid december but I do not have it yet and it has not even been built -my circumstances have now significantly…
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No credit history so no credit?
Hi all I do all the admin in our house and so most of the bills etc are in my name. My husband does not "do" computers and I am sure there are many like him. When he tried to take out a contract with Vodafone recently he was turned down because of his credit rating. How can we remedy this please? He does have car insurance…
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CIFAS 'VICTIM OF IMPERSONATION' Marked After Virgin Money Account Application
I applied for a Virgin Money current account, and two working days later, I was rejected. On the same day of the rejection, Virgin Money marked me as a "CIFAS VICTIM OF IMPERSONATION" without contacting me for identity verification or sending any related letters. They did this arbitrarily. Upon discovering this, I…
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BANKS ON CREDIT FILE?
Do all banks appear on people's credit files? Seems that some are not for some reason?
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CIFAS - False Identity Marker
Hi all as I’ve recently been declined a current account, I’ve requested a SAR from CIFAS and it looks like JAJA have recorded the above on me. I’ve applied twice in 12 months for their ASDA credit card and this is what makes me think has affected my account application. I did those applications myself. Is there any way to…
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Asking o2 for compensation
Hi everyone To simplify what’s happened, I took a phone contract out with o2, and didn’t like the service - so I cancelled within the 14 day cooling off. After this time, o2 took a years worth of the contract out my bank incorrectly which I clawed back on the direct debit indemnity scheme. Unbeknownst to me, o2 then put a…
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Missed payments and mortgage application
Hello, I’m looking at selling up and borrowing some extra next near in a hope to move. Only problem is I have 5 “missed payments” from British Gas from last year (last missed payment was August 2022). I won’t bore you with long story but I got a large bill when my energy prices just shot up (I also left British Gas so this…
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Moorcroft Debt Recovery - password-protected documents, etc?
I'm dealing with Moorcroft with regard to a PayPal "debt" that I'm disputing. There are long delays. I've replied to every one of their communications the very day I've received them but it takes them 1+ weeks. Most frustratingly, they insist on sending password-protected documents. The password is apparently my date of…
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Credit score after bankruptcy is removed
My bankruptcy has been removed today, but there has been no change in my credit score. I am adding this for peoples information. I expected a change as credit clubs Experian score is much higher than my normal experience score. Credit club didn’t show my bankruptcy so was expecting good things, but unfortunately there was…
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Southern water default
Hi, looking for some help! I had a southern water account from 2018 - 2022. During this time I did not often pay on time, due to personal issues. I entered an IVA in 2020 to resolve my debt issues. I settled this in Nov 2022. I recently had correspondence from southern water about £500 owed that I was not aware of, from…
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Reported for missed payment & 100 points down mid Mortgage application. Stresslevel 1000
Hi all!! Really new Newbie here :# :# I was reported for a missed payment on a Insurance payment without the creditor following legislation procedure. I missed a payment on a Friday, on Monday they sent a Default Letter by post and by Wednesday they has already reported me to the Credit Agencies for a missed payment, all…
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High credit card utilisation following house build
Ok, long story short, for the last 18 months or so my wife and I have been building our new home from scratch. Architecturally speaking, it’s not quite at the level of your average episode of Grand Designs, but just as those episodes typically play out, the project has been fraught with unexpected issues - and costs. Due…
