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Shop Direct
Hi Can someone help me please? I have a £36 default for shop direct on my credit report which dates back to 2014. I haven't got a clue what this is about but am happy to pay it if it helps. The thing is, I don't know who to contact to offer too? Does anyone have any advice please?
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Very very confused
Could someone please enlighten me I am an avid watcher and member of Experian (cos they do make mistakes) so I am familiar with what makes a good credit score. I currently have a score worthy of several good credit cards and recently applied for one (MBNA). I did the Martin Lewis Eligibility Checker as well as the Experian…
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Hi
Hi all Just wondering if you can help me a friend of mine has been in debt for years and I'm not sure she's paid anything off for years .. :eek: now all she keeps doing is wanting to apply for another credit card but I've explained it might not be that easy ! She keeps on going on about how the debt drops off I just want…
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Does your RM PAF address need to match the one used on the Electoral Role?
Hi all, After recently moving home, I have checked my credit reports and when I use their PAF system to find our new build home, the credit reference agencies are cutting out the name of the village from the address. Example: Royal Mail Address: 123 Example Street, Example Village, Town, Postcode Credit Reference Agency…
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Address not recognised on MSE
Hi, I have signed up for MoneySavingExpert.com's Credit Club but I had to use a very old address (my parents) as my previous address as the page would not recognise my old postcode of a flat I lived in for 12 years. The flats have now been demolished but google still recognises the postcode. Has anybody else had this…
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Arrangement to pay- help needed
Hi. Looking for advice please! My credit file is showing an arrangement to pay for an RBS current account dated April 2014. There are no late payments showing and I did not go over my overdraft. I also had 2 loans with them which are showing as all payments up to date . However, in March, April and May 2014 I made late…
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#VanishingDebt?!
Hi :) I am new to the site but started a DMP with Payplan in 2008; my husband recently checked his credit score on Check My File and 3 defaulted debts - 2 credit cards and an overdraft - had vanished. We have been paying a small monthly payment via Payplan since 2008 and the last time he check a year or so ago they were…
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Closed accounts
Hi All, Please can someone help me!! Are closed accounts classed as defaults? I have a closed account that shows i went into arrears, then settled then closed. Im so worried about this being on my credit file. If anyone can give me some advice i would be really grateful:).
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Credit File: Default date doesn't add up
Hi, about 3 years ago I got my credit history in line so I could start acting like a grown up and apply for a credit card, so back in 2013 my file was clean in the eyes of the usual credit report companies. Cut to early this year and I received a letter from a debt collecting agency asking about a debt I had back in the…
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Bank says they have no record??
I have a bit of an unusual situation NatWest at the moment. I had a student credit card with them when I was at uni I did have late payments on it and its been paid in full it's all on Experian and I thought it was now closed down. It hasn’t been closed down I don’t have the card as it’s been a long time. I spoke to…
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Arrears - Reported 7 years later! Unknown accont1
Hello, I'm looking for some advice. I logged into Noddle to view my free report - I was alarmed as it said my score had dropped to very poor. I quickly noticed an account I did not recognise - and it was marked as a late payment. The account is for an unsecured loan of £500. The following details are listed: Account start…
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MSE Credit Club Using Wrong Address Finder?
Hi, I've tried to enrol the wife and myself in the Credit Club. On completion she gets the following message: "Sorry, but you have failed the Experian identification process. This means that Experian was unable to verify your identity from the details you provided. The information that it holds on you is very sensitive so…
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How do words make you feel?
I'm currently working with HMRC to develop a new online service. As part of this, I'm interested in gathering feedback around language and how it makes people feel. I've posted a short survey here, and would be interested in your comments and opinions. It'll only take a few minutes! Thank you.…
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Thanks to MSE for Credit Club
I have been battling with some of the other Credit Score providers for years over their inability to tell me what exactly affects my score at any time, with no success whatsoever. The MSE Credit Club gives me all of that detail in very easily understood terms. Thank you, thank you, thank you...... I will be cancelling all…
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Offers to debtors - credit rating affected further?
I am currently paying off my debts using Payplan. I have approx 2 years to go on my plan and approx £4.5k to pay off. a couple of my creditors have written to me indicating they will discuss an offer for repayment with me. I have £2k that I can use. Should my creditors accept a reduced payment total as final payment on the…
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Why would mortgage account be settled when I didnt pay it off?
Hi, I checked my credit report and Landmark (previously NRAM) have marked my mortgage account as settled. I no longer have a home mortgage account. (I haven't paid it off and I haven't any rich relatives who would do this for me.) Why would they do this? Experian and Equifax both show account closed as at 31 July. I…
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Correcting a report?
Hey, Just looking for a bit of advice before I chase up Paypal. I took out a finance agreement with Apple at the start of the year, with finance provided by Paypal Credit. I immediately organised a direct debit to pay the 12 months of instalments as agreed and I received confirmation of this from Paypal. Due to a technical…
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Consolidating debt - Effect on credit rating?
Hi I have 2 credit cards (£6000 in one, £3000 in another one). I can put £300 a month in total to repay them. I am going to call each card first to see if I can get a 0% deal for a a limited tim . If not, I was looking at a 0% card to transfer my debt there. Otherwise the bank offers me a loan at 4%. We are buying a house…
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Unexplained HSBC PLC Credit Check
Hi All I have just checked my credit file on Experian to see how it's looking these days (I was a victim of identity fraud so check it every other year) . I have an excellent rating and have never applied for credit in many years. I do have a HSBC account which I haven't used for 8 years, however my credit file states HSBC…
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Student Accounts
I've just been rejected for a student account due to a default on my credit rating. Are all banks likely to reject me or would it be worth trying another one?