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Vodafone declined (for £12 a month!) because of database error?
I recently applied to switch to Vodafone for broadband and landline but was declined. This has never happened before: I am a pensioner, homeowner, and have had two credit cards for over 20 years which I use regularly and pay off in full each month. I have never missed a payment on anything. I suspect I know why I was…
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Ladbrokes Reported Me To Gamprotect - will it affect my credit file ? !
I'm in a crazy situation with Ladbrokes and now worried that I will have negativity on my credit file. May I start by saying I certainly do not and never had a gambling problem - I don't even do the National lottery ! I am your once a year Grand National bet person - and I haven't even done that for 3 years ! It all…
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CCJ Against a tradesman
Hi I hired a garden landscaper last August, and originally he was meant to complete the work in 8 weeks!. The work is not fully completed and in January this year he liquidated his company. He has since been back to complete the work and the money left to pay is more than the amount of work required to finish. But the…
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Help Credit Experts Needed!!! Declined for Car Finance
Hi I have an issue, I have recently been declined for car finance, with a car finance provider whom I have had two previous finance agreements. I have checked my credit file with Experian and Equifax my Equifax score although I know is irrelevant is excellent and my Experian score was good although it has dropped to fair…
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Lloyds default for overdraft
Hi - newbie here hoping for some help/advice. My husband has a Lloyds bank account with an overdraft facility - he’s stopped using the account since we moved house as we use a joint virgin account. I was transferring money across each month to ensure the overdraft was covered but admittedly through my own fault forgot the…
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Credit club score tanked <700
I haven't used any credit score checker for a couple of years, after I'd got to the point it was always maxed out. So I was pretty concerned when I saw the MSE score had plummeted to 697, and confused too because in the last couple of years I haven't moved, changed mortgage or changed lifestyle at all. In fact my income…
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CCJ for someone not at my address
In January this year I was contacted By DBCL with regards to an unpaid parking ticket from 2021, for a vehicle I do not own , issued by Parking Control ltd , and I was not even on the country at the time . I have DCBL the address of the person and they told me that no further letters would cone to my address . I recieved…
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Credit Club - Wallet Workout
Hi there, is there any way to find out what causes a 0 % acceptance chance as I am not eligible on a product shown in the wallet work out? Thanks
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Does having basic accounts be frowned upon by lenders
Hi, i have a couple of basic accounts and a couple of current accounts. The basic accounts are from having bad credit in the past and nobody would give me a current account. I now have current accounts with nationwide and Barclays. I'm hoping to get a mortgage within 12-24 months and was wondering if having the basic…
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FYI - Yorkshire Water is reporting to CRA
Hi, in case it helps anyone, Yorkshire Water is reporting to CRAs. I found out the hard way. My then boyfriend had a really bad credit history so we kept all finances separate for this reason. All was ok, until we moved house and the letting agent informed YW and they created an account in both our names. Fast forward a…
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Difference between partially settled and fully settled?
Hi. So 2 years ago I had an account with Arrow Global and was paying £10 a month off a £1100 debt. I did this for 12 months and then the bank card I was using to pay this every month had its details stolen while I was at Alton Towers. Next thing I know arrow global had defaulted my account. I just left it which was very…
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Associate On CheckMyFile
Hi, I am a paid subscriber to CheckMyFile and have noticed their is an associate in my name. The search was conducted by Equifax, and confirmed by HSBC. I wasn’t sure this was possible in the first place for an association to show up in my name, and would this drop off after several months as I imagine this is affecting my…
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Will Debt Reappear
Hello, just a quick question any experts out there could help with please. if at the end of the 6 years a default drops off my file but I’m still paying towards the debt and I then settle the debt a few mo the later will debt reappear on my credit file? thanks
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Does credit score affect getting a job?
Hi guys I have just been turned down on my third job and wondering if my credit score has anything to do with it as I think my cv is quite good. Many thanks
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Pushing For Default
Hi all, Hope someone can provide some advice please. A couple of months ago I decided to move away from using Step Change who I used from 2019 until March this year. I've decided to self manage my own debts. Now all other creditors had defaulted me but Shop Direct had marked as Arrangement on my credit file. Since managing…
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Hard Search on Credit Report
Hi I received a warning that a hard search had been conducted on my credit report. I won't mention the name of the credit referencing agency. As I have not taken out any new credit or loan, and have not done so for many years, I became very concerned. My thought is that possibly somebody has stolen my identity. The name of…
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Question regarding the effect of missed payements
For the past three months now, I've had a negative streak of payements on my credit file (first an arrears notice on my student account for being over the agreed overdraft by 2 pounds, then on a utilities account that I'm an authorised user on). My question is simple, assume I go on a 4-5 month positive streak with the…
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Improving Credit Rating
I hadn't used a credit card for ages, so for the best part of a year I've been working to improve my credit rating. There was one discrepancy on one of my credit files, it turned out my broadband company had refunded my account with £12 twice in July 2022 and I hadn't noticed. They accepted responsibility and changed the…
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U vs 0 on credit report
Hi, I recently opened an account (last month) that now shows on my Equifax report. I have never used credit, and as such all my accounts say 0 in the payment history field - I believe this to be good. This account however shows U in the first month payment history - I have not used credit on it either. The Credit Agreement…
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Capital one default after delaying the acceptance of final settlement
Good morning, This is bugging me and I feel that Capital one didn't act as responsible as the should have, any advice will be welcome. In August 2019 my other half, who earns much more money than me regularly as a carpenter, got ripped off by a cowboy building company, costing us 9k in total. I threw any money that we had…
