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0% Chance on all cards in eligibility check?
I was recommended recently that I get a credit card, as I will be doing a lot of travelling alone and I've been told many hotels require to have a credit card on file, and not a debit card. I've began looking for a card then and found one with fairly good cashback, but got rejected. I wanted to then apply to for one from…
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Water bill on credit file, credit score dropped
Got a notification that my credit score had updated and when I checked, it's dropped from good to poor. Nothing has changed - no new credit accounts etc - since my last update, so I was very puzzled. On checking my report, it appears that my water bill has been added to my credit file as a debt when my annual bill was…
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Default
My girlfriend bought a car in 2019 and defaulted in 2020 she caught up with what was owed and is now ahead in her payments and has nearly finished the car financing agreement but for some reason the company are still putting a black mark on her credit report every month. Is it right for them to do that?
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Very account credit file update
So I have a very account and have like 2 plans that are on interest free plans that aren’t due to end until December no payments are due no payments ever missed but my credit file has just had a update added stating this… current status unclassified This means that the payment status on one of your accounts was updated.…
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Can you get CCJ from utilities?
I like many are falling behind on utilities bills. Can they put a CCJ on my file eventually?
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Resolve call chasing old statute barred debt
Hi. My husband has a £500 debt that is about a decade old. It fell off his credit file 4-5 years ago. Cabot keep chasing with letters. I called them 6 months ago to say it’s statute barred and to stop writing to him. This is the only time we have made any contact with them. But they’ve now passed it to Resolve call. How…
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Going over credit limit
Hi all, Recently due to high interest and reduced income I've gone over my credit limit on 2 credit cards several times. Thankfully I've not missed any payments, but I'm wondering what the long term effect will be? I know that defaults, missed payments etc stay on your credit for for 6 years, and hard searches remain for 1…
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Tel Line dropped, any expected drop in CRA Scores.
This is personal 1st, today I'm dropping Land Line from Cable provider and continuing Voice via Mobile Only. I recall Land Line Tel used to make up a few Credit Score points, has this changed and can it have negative effect when applying for Credit. thanks
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Credit accounts and mortgage application
Within the next 12-18 months, my partner and I will be looking to get a mortgage together. She's already a homeowner but I'll be a first time applicant. I'm trying to get my finances etc lined up and sorted well ahead of time so hopefully they don't cause us any issues. Obviously a good credit history is imperative, but…
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Can you get a CCJ for a service never received?
Hi, I signed a family gym contract for my kids and I but life circumstances changed soon after and we never went once outside of the day the contract was signed. I did inform the company that I couldn't afford payments but was told because it was past the cooling period I needed to pay for a full year, about £200 or so…
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One hard recent hard search severely hit credit score!
Hi All I am in the process of moving house and will need to borrow additional funds for the new house. I've usually got a fairly good credit score (use clearscore) of 836. In the last month I have paid off £3000 on a credit card but have also taken out a phone contract which has significantly hit my score by 76 points now…
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Experian Electoral Roll Issue
Hello All, So Im having a current suitation with an electoral issue. I've been at my current address for the past 2 years and was on the electoral roll the whole time until March this year. I realised my electoral roll was showing up on only experian and after doing some debuggin with Experian and my local council I…
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Self-added 'Arrangement to Pay' w/o understanding it - didn't need/use it. Need help removing marker
What a way to shoot yourself in the foot... can't believe how damaging this is and that Lloyds won't help me fix it - I don't remember it being explained sufficiently, I clicked on a few hyperlinks? It didn't tell me that an arrangement to pay would be unsuitable for me, as I didn't owe anything.... I didn't speak to a…
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Address not updated on Experian
Hi. I moved house last December and informed my banks, credit card providers, Council Tax, electoral roll, etc. accordingly, but now, some four months later, my old address is still showing on my Experian report. Do I need to take any action? How long should it take to update? And will this slightly outdated address have…
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Will high credit utilization show up on tenant referencing check?
Hi there, I'm looking to rent a flat with my partner and I am nervous about failing estate agent credit checks as I currently have high credit utilization (about 7k across two credit cards which is 46% of my total available credit). Long story but I am working to pay off and have never missed a payment. The minimum…
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Dispute with high street bank / default now my mortgage is 10.3%
Hello All, Please can you help me. I opened a current account with Barclays Bank in 1994, later becoming a student account with an interest-free overdraft. The issue arose when I moved house in 2012, notifying them of a change of address. I knew there was a small amount of money on the interest-free overdraft, and in 2014,…
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Credit Score Late Payments
I paid British Gas bill for gas/ electric late in 2018. It has since been recorded on my Clear Score account as one late payment ie one bill. Checked recently and same entry now recorded as 2 late payments ie gas and electric separate! Have raised Notice of Contention with Equifax via Clear Score. Absolutely outrageous to…
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Requesting a 6m Interest Only Repayment - Credit Score Effect?
I am going through some financial issues and with recent huge spikes in minimum payments from Tesco and Barclaycard I am going to contact all my card companies (6) as to whether I can just pay the rounded upwards monthly interest per month for 6 months to give me some breathing room. Do you know how they may react and most…
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CCJ affecting my credit score
Hello I recently applied for finances on a new purchase and was rejected at first. I checked my credit report and found out I have a CCJ from 2021 from a private parking ticket. I didn't acknowledge any letters, but at some point I moved out and forgot about it. The CCJ was issued in 2021 and I was living somewhere else by…
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Urgent Mortgage 2023- payday advice
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