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Experian credit score
Hi, I am looking to get finance for a car and I am looking at my credit report. When I check with Experian it tells me it is fair 851/999 but when I used the free apps like the one credit club it tells me it is very poor with 435/999. Which one do I trust? Both have the same details for me. I don’t want to ask for finance…
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Lantern debt collectors
My mum received a debt letter from lantern debt collectors at her address for me, now I’ve never lived at her address or taken anything out in her address so how this happening?
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Does a substitute of claimant form from court mean anything to me with regards to an existing CCJ?
Hello, Today I received a letter regarding a 4 year old CCJ which I’ve ignored completely, with the intention of allowing it to become statute barred after it drops off in 2 years. the letter today says “we have since made an application to substitute the Claimant on record from Xxxx to Xxxx. Our application has been…
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Basic to current bank account impact on credit file
Hello A few years ago, I made the decision to get rid of my current account after getting in overdraft debt. To resist further temptations, I decided to open a completely new account with no overdraft facility which ended up being a Basic Bank Account. I've been completely debt free for 4 years now & also have a bit of…
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Default showing twice, is this right?
Hello, On my credit report I have two defaults, one for Barclays Bank and one for PRA Group. This is for the exact same debt, shows the same default date and the same balance however it is showing two defaulted accounts. I feel like this will be causing me a negative affect and I have raised this with PRA Group, who…
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Do lenders hold data from previous hard searches?
Do lenders hold data from previous hard searches, and do they use this data in subsequent credit applications? Say if you applied for a credit card and were declined, and then a few years later you apply to the same lender, do they only go off your current credit file, or do they take into account data they received from…
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What exactly do lenders see re credit accounts?
Hi all, I've seen some conflicting information on this so thought I'd try get some input from the knowledgeable people here. When a lender conducts a hard search, and they see who you have credit card accounts with, do they actually see the name of the credit card provider, or just that you have a credit card with x credit…
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How do defaults work.
Hi. I have a couple of defaults from Oct 2019 that I'm paying back to the credit vultures. My repayment plan far exceeds 6 years. My credit report is showing default on these accounts every month. What happens after 6 years when defaults fall off the report but I still have an open plan. Will it still show as a D on my…
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Sky mobile shows up as a loan on credit report
Hello 👋 I was looking at my credit report yesterday and noticed that in items negatively affecting my score it says I have 3 or more loans. I have one personal loan and this shows up along with Sky mobile in the loan section of the report. There is also a hire purchase agreement on for my car which I’m assuming is what is…
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Views of lenders on non-utilised credit.
Hi, I’ve been approved for a small interest fee arranged overdraft. I do not intend to dip into it, and rather it’ll cover an account fee that is immediately reimbursed into the account. Therefore, only 6% of the overdraft will be used each month, and it’ll be reimbursed within an hour of it being used. Will not using the…
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Fraud Investigation phonecalls, are there new scams going around?
Hi I've now had 8-9 calls probably more as I blocked the number, however a new number xame up today, so I answered thinking it wasn't any potential scam. These calls are are spoken by people with a foreign accent. Started by asking me if I am Ms (my first/christian name) to confirm my name. I asked who they were, as it was…
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TransUnion extremely volatile credit score
Hello Don't know if other members have the same experience or anybody can offer some advice but my TransUnion credit score changes so often & frequently for no obvious reasons whilst my Equifax score has barely ever changed for over a year now & my Experian has changed very infrequently in the past year. My TU score…
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How to find details from my credit files like when I started job, moved address etc ?
Having the most maddening problem recently when I apply for stuff like mobile phone sim. I get to credit check it asks me for
information for verification like when I moved into address or started employment,
opened bank account etc. This is apparently on credit reports somewhere.. It appears to have wrong info as a I…
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Credit Score "Fair" First Time Check
I have never done a credit check on myself in my life but I thought I would today with "Natwest Credit Score" checker as I may be planning on applying for a mortgage next year. My score came back around 580 which is considered "fair". I always assumed that my score would be in the green considering I have never been in…
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Mortage Applications And Credit Cards And Credit Ratings
I'm about 4 to 7 months probably more like 7-8 months away from applying for a mortage and I get a monthly credit rating check done. It always points out using a credit card(and not going in debt) would be good for the credit rating. It already looks good to me, but I thought everything helps no? However I know new credit…
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CCJ Payment to IND Ltd
Good afternoon all Quite some years ago now I defaulted on an MBNA credit card, the debt was passed to a debt collection agency and a CCJ was issued to me. I attended court and agreed to pay £100 per month. Although I cannot recall whom the original Debt Management Company was it is now collected monthly by IND. Although…
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UNSECURED LOAN REMOVED?
I left the country in 2016 due to DV and returned five years later having subsequently divorced my ex (yay me!) and now as a result of Him making me put everything into my name. There were several non-payments thanks to him not paying the bills which have resulted in my credit score/rating plummetting. I am scared to…
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Suspicious hard search from O2
Afternoon all, So I've noticed a hard search last week from O2. I don't have an O2 account, nor have I applied for one. I do have a Virgin Media account for domestic broadband only and I believe Virgin and O2 have merged to some degree. As a result I'm highly suspicious of this search and want to follow it up but how? Most…
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Wrong address on credit file
About 5 years ago, I got myself into a spot of bother with Royal Bank of Scotland overdraft as I was not able to pay it due to losing job and home. I was later contacted by debt collection agency by phone call. I agreed that owed the money and proposed a payment plan that I could afford but let them know that I would…
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Premium Credit/Policy Expert and Clearscore
Hi All Ive got a query about my Clearscore account and wondered if anyone can shine some light on it maybe. I took out Home insurance in May 2022 with Policy Expert and paid monthly, this was done through Premium Credit. The policy was then renewed in May 2023, except this time I paid in full. My policy expert account is…
