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Risk of Identity Theft
‘Royal Mail’ sent me a SMS today prompting me to click on a link to reschedule a redelivery. I haven’t thought it through and stupidly clicked on the link and entered my name, DOB, address and phone numbers. After I clicked next, the site asked me to enter credit card number. It was then when I realised it was a phishing…
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Help with possible scam please.
Had an issue on Facebook market place where someone wanted to pay in advance for an item I’m selling. I gave her my name, sortcode. Account number. In addition she has my full address as she was about to collect the item. I have contacted my bank and they said about potentially they could set up a direct debit now and have…
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Experian has locked my credit score without my permission
I wanted to move my credit card balance to a 0% interest and my application was rejected twice by credit cards because they tell me my credit score with Experian is locked. I have never paid for extra facilities with them that would enable me to lock my credit score. I also had to pay to join in order to have a…
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Termination of account notice (default) help?
I came home today to find a letter from Santander saying they were closing an account I have that was in arrears for £9.95 because of account fee's. I completely forgot about this account and this is the first I've heard about it. Obviously I immediately put money into the account to clear the £9.95 but now I'm worried…
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Spurious CCJ? Can I dispute?
Hi all, Am new here so any advice would be appreciated. I've received a series of text messages from TM Legal claiming that a CCJ has been granted against me. This stems back to 2020 - I was with Tonik Energy until they went bust, and paid a final figure with them, meaning for a two week period, Scottish Power took over my…
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Missed Payments on Historic Loan
Looking at my credit files I can see I have 2 loans from lending stream. I actually paid these off in 2022 after forgetting about them for a period of time. I took the loans out in 2015 and received a default notice for both of them in march of the same year. The default notices were not updated to the CRAs, and if they…
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Experian - "New Credit Accounts" affecting score
Hello everyone, In September I renewed my car insurance and selected to pay monthly. I noticed this month that on my Experian, my credit score tanked by -120. I paid to subscribe to the full version of Experian and it stated that because I created a new credit account with my car insurer, my credit score tanked. My credit…
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Three sending details to debt collectors after fraud!!
Hi there, For anyone that has dealt with fraud, I feel your frustration. Context - Three sent a letter to pay an unpaid bill but the contract was not taken out by us. After providing details, three said its NOT fraud which is crazy, we got the letter late September. I called Three and they could give NO details of the…
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Refused Credit
Hello, my partner who normally has a excellent credit score, has been going into her overdraft over the last few months. Will this damage her credit rating? She applied for a Argos card but was declined, will this be the reason why? Thanks
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Old debt
Hi, I am feeling like an utter fool and hoping for some help. I received a letter from a debt collection agency saying I owed around £1300 and they would proceed to send debt collectors to my home address should I note make payment within 7 days. I did not know what this debt could be, but I researched to debt collection…
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Experian showing wrong information
I have noticed that experian are showing incorrect information on my credit file: They show thta I have 2 credit cards - no idea why as i do not and have never had. 2nd, they are showing that I have a loan for £361.00. I noticed this in July 24. totally incorrect as I do not have such a load and if i had - by now hte…
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Late Payment marker for £1
I have a 25 years old account with Lloyds bank I don’t use anymore but keep as I’ve had it a long time. I used it to make a transfer to a payee I had saved on there and it made me OD £40. I meant to transfer funds over when I got home. Any way the account got charged daily interest and ended up £51 overdrawn. Lloyds have…
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Impossible average credit account age listed, therefore I'm High Risk?
I've just signed up for the 30 day trial of the Experian credit report after the Loans Eligibility Calculator on this website said I had zero chance of getting a car loan. So I did the rounds, checking my scores. Experian rate me at 995 (up ten points since August), but the report lists me as High Risk for account history…
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Credit reports updating.
Hi all. i have a Barclaycard with a £3590 limit. I had around £3100 on it and received a bonus from work in September which I used to clear most and take it down to a little under £100. This was paid on 18th September. All credit reports show it last updated on 30th September with balance still showing as £3100. It’s been…
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Help with building credit score
My daughter, aged 44, has got herself into a bad financial state. Finally, attempting to do something about it, she has moved in with us as she can no longer rent until her credit scores have improved. She has signed up with Clear Score, Experian and Equifax, but the scores are very different. Can anyone advise which is…
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CheckMyFile has address listed twice in different formats
My address is listed twice on CheckMyFile, with Experian picking up both addresses but TransUnion and Equifax each picking up one of the two. This is (suspected to be) causing banks to reject me for additional borrowing. Equifax and Experian have my address as - Flat 1-2, Street Name, City, Postcode Whilst TransUnion and…
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CCJ - salary overpayment - advice to set-aside
I just did a credit check to plan for mortgages and discovered I have a CCJ against me issued in July 2024 for £7048! I've read the newbies guide and gone through many posts regarding CCJ set asides. I didn't find a lot of cases similar to mine and was just hoping for some confirmation and advice. Background Did a bit of…
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CCJ against me without informing me or what the debt is for.
HI, first post so please bear with me. At the start of this year I received a letter stating I owe money (around £200) to Spark Energy. I ignored letters as I did not think they were genuine & was with Spark energy (who have since ceased trading) back in 2019 for a short period of time only. Forward to this year and…
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6 years question
Hi, Think I know the answer to this but the rule of marks on credit reports coming off after 6 years, is this 6 years after each individual mark? I.e. if someone had an AP marker for every month of 2019, would the first marker for Jan 2019 clear in Jan 2025, leaving 11 markers left over etc until they are all cleared at…
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Credit club hasn't worked for months
Trying to log in I get Oops! Something's gone wrongOur Clubs platform is currently down. Our techies are working furiously to fix the issue and we're hoping to be up soon. This has been since the migration. Registering a new account tells me I already have a credit club account. Any suggestions?
