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MSE credit club differs to Experian
Hi all Very confused as I’ve registered for both MSE credit club and Experian’s free credit score using the same details, and yet my credit score differs significantly between the two (poor on MSE, fair on Experian). And on ClearScore I’m 719. is it normal or is there some error here? how will I know what lenders will see…
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Credit arrears and credit score
I've always been good with keeping on top of credit payments and my Experian is 999. I have a credit card and buy maybe one item a year on credit just for my credit score. I purchased a laptop on credit a year ago. For some reason, I thought I had set up a direct debit for payments to commence once the interest free period…
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Credit score stopped growing
Hey all, My credit score is stuck in the "needs work" category. I never missed a payment, I have a credit limit of 3.5k , I had CCJ removed after 6 years in July which i thought would increase it but it didnt. I am not on the electoral roll yet, I did register the other day though so maybe that should help. I have no…
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Turned down for a mobile phone.
So my current mobile deal with EE is awful I'm paying way over the odds for an old phone with a cracked screen and EE were so expensive I decided to jump ship. I tried to sign up to a phone deal with Vodaphone via the Carphone Warehouse and I was turned down because I failed a credit check. According to moneysupermarket my…
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Bad Experience With Experian
My private pension provider recently gave me free Experian Identity Plus membership because various strands of my personal data (including my bank account details!!!) were hacked during a cyber attack at Capita. I few days ago I applied for a new current account with a different bank and my application was declined because…
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Credit Club MSE doesn't verify me
It is very weird 6 months ago stopped working for me credit club MSE it says it can't verify me and i can't get inside. I have no problem getting in Experian but obviously there you don't have for free your credit report just the score. What can I do ?
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HELP!!!! Experian credit score drop
Can anyone help please my credit score suddenly dropped 98 points and nothing at all has changed - other than paying off on time and in full, two pay in 3 payments on PayPal experian state they do not know what caused this huge drop this happened before where it dropped 500 points in one go last year i am in despair as had…
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Data breach worries.
A company I made a purchase from emailed me today to tell me that they had a data breach and my details (including all credit card details) had been stolen. I immediately cancelled the credit card. They also offered a complimentary subscription to Experian’s Identity Plus service so I signed up for that and they mentioned…
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PayPal Pay in 3 - Mortgage Application
Hi. New member here! I'm going to be applying for a mortgage in the next couple of months and I was wondering - now that PayPal Pay in 3 reports to credit reference agencies - if using this service would be a detriment to my application? I'm aware that services such as Klarna and ClearPay are a no-go when it comes to…
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Pay monthly contract increase
So I was successful ina. Credit check for a device lease. I was offered it but at 15-20% increase. now my credit score has gone down but only change is I got new balance Transfer credit card, but I’ve paid that all off plus some of the 0% interest Balance transfer amount. so my question is despite nothing else new other…
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Credit Karma Ratings
I get a monthly email from Credit Karma and this month it said there was a change in my credit score. Sure enough when I logged in, I had dropped 4pnts but I cannot see why. I haven't taken out any loans, missed any payments nor had any credit checks. Nothing, apart from the drop in credit score, has changed since last…
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Unfair Defaults?
Hello, good people I'm here to see if anyone can offer some advice. It's a long story so I'll provide the abridged version and hope you're still awake by the end. . . I used to be a landscaper, I had my own business and life was good. One day in 2015 I became Ill, really Ill as it happened. I found myself whizzed into…
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Missed payment - impact on insurance premium
I'm hopefully coming to the end of a five-month battle with Three that's seen them register a missed payment on my credit file for a debt that didn't exist. They've agreed to remove it - though from their past history I'm not taking that for granted until it happens - but in the meantime, my car insurance is coming up for…
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Bank Promise to Pay
Received a letter from the bank advising of failing to meet a promise to pay agreement. This was the first letter on the issue we had received and neither holders had agreed anything. We asked the bank who effectively could give us no evidence of who agreed it or and paperwork to relate to it. All they could say was it had…
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Please help - Can this lead to a CCJ or are they phishing?
I'm not sure if this issue is best served in another forum but the main concern (for now) is if the issue will affect a credit rating and whether it can lead to a CCJ. My friend used the services of a company called Bettermove to sell her flat. She said the person that she spoke to at this company was very nice, made her…
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Credit Building
A few months ago, the Weekly Email gave details of another way of building a credit score… not a usual credit card. It was something along the lines of paying a small amount into a card/loan and then getting the cash back at the end of the year. Can anyone help? Many thanks.
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Financial ombudsman decision
Hi all, I defaulted on an £8k MBNA debt and £9k Barclaycard credit card debt back in 2019 and these were passed to Link financial and Lowell respectively. I’ve been paying these off on an informal arrangement and they currently sit at £6k and £7k. I recently raised an affordability complaint against MBNA and Barclaycard…
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CCJ after & during IVA setup - Removal possible?
Hi all, could with some advice. Short story, CCJ on debts already in an IVA. My partner recently completed an IVA after 4 years, paying her debts off a year early. Her IVA was with Payplan who suddenly have ZERO interest in any level of support now they have had their fill. A vulturous company and anyone reading would do…
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Triple Defaults - Same debts`
Hi all, Following on from my CCJ question regarding credit history defaults. Looking through a credit file there is a oine particular creditor - HBOS - who have defaulted on a debt. Fair enough, however then both a company called LOWELL and PERCH have also defaulted these debts. The default amounts are identical. How can a…
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Will unarranged overdraft affect credit score?
Hopefully applying for a mortgage beginning of next year. Stupidly forgot to change the standing order amount for my regular saver for my second bank account. Received a text to notify me, I paid off the full amount (£200) to bring me back into positive within about half an hour. Will this have effected my credit file?!
