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Question for o2 customers
I’m on a sim only plan. It expired a few year ago so I’ve upgraded to another sim only plan. Will a new credit agreement be set up on my report or does it carry on with the same one as I don’t want o2 to appear twice on my reports due to my OCD and anxiety that something will go wrong. they said they’ll run a hard search…
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Defaults on credit report ( help )
Hello I’m Martin, was just hoping on some good advice really because can’t figure it out basically, so I have 2 defaults on my ClearScore account which I will upload pic on here so u understand what I mean, because one of the images say updated and when clicking onto it says opened account it’s confusing to no when too be…
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Double default surprise
Myself and my wife are preparing to apply for a mortgage, and even though both our credit scores on clearscore show as 1,000 we were advised by our broker to use checkmyfile to see a full report from all 3 credit agencies. To my dismay, my wife's report shows 2 defaulted payments, one to EE and one to a company called…
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KLARNA payment technical issue
Has anyone else had any issued recently with Klarna having problems recording payments? I have had an auto payment with them for well over a year where they take a direct debit however the last few months payments have not appeared on the app. I only noticed this as my bank prompted me to check my credit score and I now…
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Two Parking CCJs - 5 years old - Set Aside - Help needed
Hi MSE Forum experts I have been reading newbie forums and getting familiar with CCJ set aside process. Before i submit my application (n244 and witness statement) - i have few questions regarding chances of success. Background: Back in 2017/18 I was going through financial crisis and did not had enough money to pay these…
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LexisNexis soft search
Hi all, I’ve come across a very recent identity check and insurance quotation (soft search) by this company today. I don’t have any home or care insurance as I don’t drive and live with family. I’m not sure why they would have carried out any such searches. anyone got any ideas? I have read it can be price comparison…
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Help with credit check
I am trying to move my phone contract and I keep "failing" the credit check because my address is apparently not linked to the address I'm providing. I have contacted my bank, Experian and ClearScore who have all confirmed that the address linked to my credit rating is the one I am providing. I am at my wits end with this…
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To open a new bank account or pay £30
Me and the wife have been paying monthly to loqbox to try and improve our credit rating after paying off our debt. We have a remortgage next year and the wife doesn't want us to open a new bank account to get our money back. Our options are to pay £30 each to get our cash or open a bank account via them to get our cash…
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Recommended Frequency of Credit Card Applications?
I'm on a mission to get my financial management in order (I've no debts, a good credit score, don't need a loan or anything but I'm trying to focus on getting good value from my essential spending such as maximising Avios, or cashback if Avios aren't possible). With this in mind I got a Platinum Amex in late September,…
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I cannot log- in in my MSE Credit Club
I used to use a lot MSE credit Club to seey credit report, it was very useful. It has been almost a year since every time I log in (after writing my User and password) that I get this message: "Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. This helps to ensure…
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Paying Your Credit Card In Full Can Still Leave A Minimum Payment Marker ........
...... In Some Particular Circumstances Looking at my MSE Experian report today and noticed a load of Ms on some of my credit cards. I thought this was weird as I always without fail pay the full statement balance, if there is one, by DD every month.As we are all aware, the minimum payment is something like 2% of the…
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CreditKarma Alerts Work !
Applied for a new CC this evening. Ticked "Accept a hard search" then clicked "Apply" and immediately had an e-mail from Credit Karma before the web page had even accepted the application. Well worth having for peace of mind. A pity all 3 free providers don't do it.
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Another soft search question, innit
Hi All I obtained an Experian credit account via the MSE Credit Club a couple of years back. All well thus far. Today and in response to an email from MSE CC inviting me to check my score, I logged in and found several entries in my credit search file made on the same date earlier this month. All the searches listed were…
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Shell Energy payment plan
I have a final bill from my previous tenancy which is circa £5000. I can’t pay this off in 12 months but Shell have offered me a payment plan over 36. When discussing this with the agent there he advised that if I spread over 36 months that may affect my credit score/ status and affect my chances of a mortgage. This was…
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Order to obtain information - defendant didn't show up
As per the title, I went to the court, but the defendant didn't. The staff told me that the case would now go back to a judge to re-assess.From my understanding, when someone doesn't attend court for questioning, can face up to imprisonment. But so can you, if you pass with a red light!I still haven't heard back from the…
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Duplicate CCJ Showing on report
Hi, I am new here and hoping to get some help with rebuilding my credit file and life :) I have had a bit of a disastrous few years following a series of strokes, my business failed I ended up going bankrupt. I tried to restart by business again and had another stroke so had to give up again and ended up bankrupt again :/…
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Water company ruined my credit score and was declined mortgage
Hi all. A bit of background: A couple of months ago my credit card supplier advised me they were reducing my credit limit to a quarter of what I was allowed and the following day my bank emailed me asking if I had debt problems they could help with. Alarm bells started ringing. Prior to this I had a mortgage in principle…
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Feeling panicked - defaults and AP’s
Hi, hoping someone can share stories or offer some advice… I started a DMP around 6 months ago and it has been going well. I felt okay with the fact me and my husband would chip away at our DMP and hopefully our credit file could recover after 6 years when things drop off - I felt sick to my stomach today to learn that…
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Credit cards not reporting to CRAs - should I get a new credit card?
Hi, I have two credit cards, a Visa card and a Mastercard and neither are reporting to the CRAs. This may be because I have had both for literally decades (?) I use one card regularly and clear the balance each month. I am mortgage-free and my credit history is clean. I have no real need for credit but will probably…
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What can I do here
So I have been paying for my internet service However they have restricted it and I seem to have another account which means I'm behind and owe I've been paying for one and behind in another account which i meant to have only one account However they do not have an email address, only can phone and they a virtual assistant…
