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partial vs full settlement and credit rating
Hi all, First post so please be gentle! I wanted so easy advice on settling debts and how it affects credit rating. Long story short, my wife has a debt management plan in place for various debts amounting to about 7k. We recently were approved for a mortgage ( in my name only) and I should have some money left over so…
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Advice needed to repair credit! (trust deed)
Im into the final year of my protected scottish trust deed. I checked my clearscore credit report and i was 208/700 which i knew i was going to be poor after starting the journey to repair my credit through trust deed. I recently got accepted for a Vanquis creditcard with £500 limit which i spent around £215 and paid it…
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Creditor missing from Credit Report
Good morning all, One of my creditors is no longer showing on my Noddle file, but is showing on my Clearscore file. They used to definitely appear on my Noddle one when I checked it last, around 6 months ago. The Clearscore one is massively out of date however, it shows old addresses / last updates being 18 months ago etc.…
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Unfair credit score
So after being rejected for a loan from my bank I registered with both experian & Equifax to find out why. My score came back almost perfect from experian at 977/1000 My score with equifax however is only 342 - due to an electoral role 'issue' despite the fact I have been living at my current address for over 3 years and…
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Late online refund resulting in negative mark on credit file?
Hi MS Forum members I am writing with regards to an online order blunder with Debenhams. I returned a large order a few days after it was delivered and the multiple items were refunded in dribs and drabs. I didnt make payment to the card as I had credit on the card to cover what I kept. Some items weren't refunded and,…
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Help me!!
Ok so today I have checked my file with Clear Score.... This is my report: BANK. ACCOUNT. LIMIT. BALANCE lloyds. Credit card. £10,000. £7,860 Lloyds. Current. £1,500. £0 EE 3 My score is 479/700 which I think is good and they appear to aswell, yet I applied for a loan and was declined. I've lived in my house 10 years and…
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Impact of failing credit check on rental contract?
Hi everyone. Newbie here. I'm a British xpat who will be returning to the U.K. later this month after living and working for 25 years abroad (essentially all my working life so far!) Initially renting a property. Have a contract etc, however, the agency required me to have a credit check before they accepted me. I told…
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How soon will my credit rating improve
Hello all, Apologies for the in depth post before I start. I'm wondering how long it will take to regain a decent credit rating so that I can apply for a loan. A little background: 5 yrs ago I made agreements with 4 credit card companies and having frozen the interest on the accounts have been paying back small monthly…
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Debt Relief Order about to end. Now what?
Hi all, I have a DRO which ends today. Can anyone tell me what to expect now. Do I get a letter to confirm all my debts gone from the Insolvency Register?? Is there any way these debts can come back? I'm just a bit worried I will still owe them money. My circumstances could change if I move in with my girlfriend and I'll…
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Need some advice with rebuilding my file
New to the forum I’m looking for a little help. I have a plan to obtain a good credit rating within the next 2 years so I can stand myself in good stead to getting a decent mortgage deal as and when I’m 40. I have very little credit history and what I do have is very poor. Mainly down to a default 4 years ago with a bank…
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Civil enforcement ltd. CCJ
Urgent advice needed please! Recently when applying for a mortgage, we found that my husband had a CCJ. We were advised that if we could settle the debt, the mortgage would be accepted. On contacting Northampton CCMCC we were given the number for the claimants solicitors. They informed me they no longer deal with this…
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First utility credit search
Hi, this may be the wrong place to ask but I'm not sure of where's best. Anyway was wondering if anybody has had any dealings with first utility and had any problems with their credit searches. I am moving next week and wanted to sort out my gas and electricity. I stupidly applied online and of course gave my new address.…
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Is it too late to a build credit file?
My wife has never had any credit and therefore has no information in her credit report. Never had phone contract / loan / bills / mortgage, they have all been in my name. Our house sold and we are looking to apply for a joint mortgage quite soon, (possibly even within a week if we like a house) Is their any short term fix…
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noddle not working
"We've been continuing to monitor your credit report and are pleased to let you know that over the past month there were no key changes. This means that during the past month we detected no new accounts were added, certain changes to existing accounts didn't occur nor was any public record information added to your file."…
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£2 Equifax Report
Is it still possible to get one? I logged into my old account and they're offering everything but the bog standard £2 report - I don't want to pay £10 a month, just a spot check is good. I have Clearscore but there's lots missing
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Help regarding credit report and IVA
Hi All I'll try and explain the best I can but please bear with me ! I have had some financial difficulties , I had an IVA which started 2008 (well thats what it says on credit file but I thought it was later on than that) , Anyway it failed around 3 years ago (mainly due to gambling problems , this is all now very much…
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Credit Files, Mobile Phone Contracts and The Consumer Credit Act
Dear fellow MSE forum users, This is my first post please so be gentle with me! I wanted to know if anybody had any dealing or experience with mobile phone companies, and adverse credit reference agency information. My scenario... I took out a service with Vodafone for a sim-only service back in 2011, when this service…
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Help understanding credit file
Hi, can anyone help?? I have two ccjs, one is for an RBS loan, the other for a store card, both due to drop off my credit file in about 2 years. I have being paying small payments each month towards these however this will not clear the debt by the end of the 6 years. So from my understanding the ccjs will drop off my…
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Recent CC applications came with High risk APR but also high credit limits?
Hi All. I'm a bit puzzled with some of my recent credit card company decisions and was wondering if some kind of activity on my credit file could be to blame? I tend to overlap two or three 0% credit cards at any one time and have done so for about the last 10 years.When a 0% rate expires I pay off the balance in full,…
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Capital one - and a default
My husband had a capital one account when he was 18 years old. About 10 years ago he claimed back all the unfair payments on the account which they then closed and defaulted him. We had to wait 7 years before we could apply for credit/ mortgage etc. The reason I am bringing this up now is that there was PPI on the account…