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Creation Finance to Lowell
Hello, I took out a loan with Creation Finance, went through financial difficulties and ended up go through Step Change from June 2019. When ive looked at my credit file I can see Lowell has taken over the debt from Dec 2019. Ive attached my credit report without personal details below, i have been paying every month via…
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Advice on old CCJ
Hi Thanks for reading I have an old CCJ from approx 2016 (I can't remember the exact date). It was for a Barclaycard £1,500. I was made redundant shortly before this but daren't pay it off, as I was only just managing my mortgage, due to the fact that my ex had stopped paying his contribution in 2013. (This was his only…
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Default Or Satisfied Date
Hello, I've an entry on my credit report that shows the below: Which date will be used for the 6 year period dropping off? Default Date - 04/09/2019 Satisfied - 10/02/2023 Thank you
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Car loan application accepted, but APR is far too high!
Hi all, I've been tentatively looking to change my car. I have about £4k left to pay on the current HP deal (£240pm until October 2024), so taking into account paying that off and getting a newer car, I applied through M&S for £18k over 6 years, with the base APR at around 5%. I was accepted, but with the APR increased to…
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Missing debts on credit file
I have several outstanding debts that have not been paid for nearly six years. Only one is showing on my credit file - I have used checkmyfile so have been able to see the information across the three main agencies. Can anyone explain why this might be please?
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Tiny income - can't get started
Hi, I have a very small income as I'm living off savings. I'm 58. I wanted to get a credit card but I have zero chance to get one from any of the providers. I'd like to improve this but the advice I've seen suggests you need a credit card to being improving your record. Is there anything I can do?
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Credit Reference Agencies - Who Really Uses Who? II
Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which credit reference agency (CRA) they use to search and report to as people post it up. PLEASE HELP KEEP THIS THREAD UP TO…
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Damage Limitation
Hi, I’m trying to figure out which scenario is going to cause me the least problems / harm to my credit reference files. 1. My current, and only credit card is due to be discontinued on the 6th of June (Jaja are withdrawing their own branded cards from the market). If I don’t find a replacement by the end of business on…
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Company Credit check by an individual
Hi Can I carry
out a credit check on a double glazing firm? I’m
thinking about using a local firm in business from 2017 but the most recent financial
statements submitted to Companies House were unaudited and only up to end of February
2018. Experian
and Creditsafe only seem to facilitate a credit check on a company by…
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Plumber threatening debt collection agency
I have recently had a dispute with a plumber who didn’t complete work and ghosted me for 7 weeks. I resolved the leak and repaired my property myself, he found out and sent me the invoice the same day after weeks on no comms. I have paid him and take away my costs for time and materials and he is now threatening a debt…
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Xbox live subscription
My bank card got hacked so need to cancel my Xbox subscription however I do not know email or password and cannot recover via Microsoft as they need associated email which my daughter cannot remember! If I were to cancel via the bank would it effect my credit rating as they may try and take payment in future as I didn’t…
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ID theft and declining credit score
Hello All I have some dodgy new neighbours that I strongly suspect steal my post. They have applied for a number of credit cards and bank accounts all at the same time using my details. I have had a few calls from some credit card companies they have used after suspecting that it was not me who applied for these services.…
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Compensation for incorrect credit information affecting mortgage rate?
I may be shooting in the dark but the more I think about this the more angry it's making me. I had an account with Three for many many years for an internet dongle device which my parents used for accessing the internet. I decided to upgrade them to broadband so they could enjoy more TV channels and access the internet…
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Don't know what to do next-can you help?
Hi All. Really struggling with BT and don't know how to resolve, can you help? Oct 22 we moved address. Contracted BT who moved us to new address. 3 months ago I got a letter saying I hadn't paid my last bill. Contacted BT - When they moved us they set up a new account and didn't close the old one at the old address. BT…
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Financial Ombudsman upheld complaint but Creation Financial Services not complying - What next?
A few months back the Financial Ombudsman upheld my complaint against Creation Financial Services and ordered them to correct the mistakes they had made on my credit file within 4 weeks and awarded me £250 in compensation. However, Creation have not fixed the mistakes on my credit file, nor have they paid me the…
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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…
