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TransUnion Verification Problems
Hey everyone, I recently applied to open an easy-access savings account with a new bank and I was told they were unable to verify my identity. Speaking to their support team they said they use TransUnion to do their credit checks so I should contact them. I then went onto the TransUnion website to see if I could do their…
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Declined for £8/month phone contract
about a month ago I tried to take out a sim only deal with o2 for £8/month, but got declined. I thought it would be a mistake, the message said to find out why they reached that decision I had to email them, and this is the reply "When declining an application we need to let you know the credit agency used to make the…
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Very good credit rating but still turned down by lender
I applied to buy a mobile phone on-line at 0% finance over 24 months and was turned down by the manufacturer's bank. I checked my credit rating, which is good, in fact one agency gave me 987 out of 1,000. I am retired, aged 74, own my home with no mortgage and have never been over drawn or bankrupt. Both my credit cards…
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Unexpected Hard Search By Insurance Company
I was checking my ClearScore report and noticed a hard search was carried out when I took out home insurance a few months ago. Really annoyed, was going to open a Very credit account just to benfit from their 25% discount, and was also looking to take out car finance in Feb/ March. Although my credit rating is very high,…
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National Lottery and Credit Rating
There is a strong chance of me wanting to take out a new mortgage next year. I have a very good credit rating and no financial problems at the moment. I put around £200/month into a National Lottery account from my current account, most of which is used to buy tickets for a family syndicate. I'm concerned that a lender…
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MSE Credit Club Broken Verification email not being received
I have attempted numerous times to have a verification email sent to me and have never received on. I have raised with MSE, raised a complaint and am now at a loss as unable to access or use this really critical service. What is strange is that I receive the monthly emails from MSE from the exact same email address saying…
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British gas randomly "settle" my account?
Got this notification that British Gas have settled my accounts? But as far as I know nothing has changed. I haven't missed any payments or changed anything at all at BG. Just been paying my DD as normal month on month (I am also in credit).
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PRA Unenforceable Update
Hi everyone, Firstly, thank you to everyone who has helped me thus far. I really appreciate it. PRA has now admitted, in writing, that the debt relating to Barclaycard is unenforceable and that they are unable to take legal action to recover it. I have also got them to confirm in writing: - The amount is unenforceable -…
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Equifax
I'll try to keep this as short as possible. I recently got declined for a small interest free credit plan that I can easily afford. After some digging I found out that in 2016 someone with my name & date of birth took out a BT phone plan. After making a couple of payments they defaulted on it in 2017, & in 2018 BT sold the…
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Removing past/linked address from credit report
Hi, A friend is hoping to rent a room in a privately rented flat. The landlord will perform a credit check with Equifax to assess my friend's suitability for the room. However, my friend has (without the landlord's consent) already been subletting a room in that property for a while, and has registered her bank and…
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Payment made to Marston Group Ltd June- they cant trace it
Hello, advice welcome thank you. I paid on credit card in June for a family member following receipt of a bill/threat of bailiffs from Marston Group Ltd I have proof of the payment in transactions and thought no more about it. Now the group - Marston- are claiming they have no record of it. Ive spent a few hours so far…
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Closing the oldest CC account?
Hi guys, so I've had the barclaycard forward roughly two years, now I want the Rewards card and they can upgrade it but my credit limit is still very low at £400 and will stay the same after trying twice for an increase. It would be a lot more beneficial to have 1K-1.5 limit, I utilize 40-60% and always pay in full by DD.…
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Unauthorised hard search
Hello, Checking my credit report, I have a hard search by an old house insurance company. I had a policy with them and paid monthly. I cancelled with them and went to another provider however the same company after I have cancelled has conducted a hard search. I have made a complaint to the company about this, however they…
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Credit report shows CC balance but paid off every month
Hello, Don’t know if anyone could give me a little advice, I have an AMEX card that I spend on and pay off every month, I always go on and pay the full balance, just before my DD date and my balance will go to £0. I always pay it, however subsequently spend back on the card as that is how I use the card (Get all that Amex…
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CCJ help
I was issued a CCJ just over 6 years ago that has just dropped off my credit file and I need to find the case number. The reason is because I was also issued another 2 CCJ’S (one in 2018 and the other in 2020). They are both from the original debt (the debt was purchased by Azzuro associates who then sold it to…
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Debt aged 17 years
I have today out of the blue received a letter from a debt recovery agency for a defaulted overdraft from 2005 - 17 years ago. Am I right in thinking there is no legal action they can take as the debt is statute barred. I have had no communication with them since 2005. I now own my own home and am worried that they will…
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Loan appeared on ClearScore
Hi All, A new address and a new loan with Sainsbury's bank, £25k, so not insignificant has appeared on my ClearScore report. How would I go about investigating this? It's obviously not mine. Thanks
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Credit Searches show old address
Hello, Strange one this, when I look at some of my hard and soft searches on a credit reporting app, say clear score, It shows my very old address as the searched address. This is my parents address that I have not been at now for some 8 years. I have not entered this account in any searches online but ASDA and EE have…
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Mortimer Clarke ccj?
Hi, Apologies if this is on the wrong board !!! My dad died back in May this year and my mum is'nt capable of dealing with financial matters, especially as she is now on end of life care in hospital herself. I got a letter at the weekend in both there names sating that mortimer clarke were dealing with a debt for which…
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Alternative to Electoral Roll?
Hi, Being a USA citizen living in Northern Ireland with my Irish-citizen husband means that he is on the electoral roll and I am not eligible to be. This means that when he and I both apply for the same credit card with the same income, he gets a credit limit of £1600 and I get £800 (at best). We are looking to buy a house…