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Is it possible to have a too good credit rating?
I wanted to see if anyone else had encountered a problem in getting credit? To put you in perspective I get the top scores on all of the apps etc but I recently applied for a Apple interest free loan and got declined. I went through the usual fob off to speak to Barclays for them to then say look at your credit file and…
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Help me understand this please….
I have logged into my MSE credit club account and my score is 982, all happy green faces, 95% chance on getting top credit card but on affordability it’s very weak! So for loan or mortgage it says I would be most likely declined. I don’t understand how this can be!! I have no mortgage, no loans, nothing apart from 2 credit…
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Advice sought: Credit Ladder says 49/60 lenders will consider me (no personal data submitted)
My partner and I are looking to borrow around 380k in addition to our 16% deposit. Combined total income around 85k. * I have an AP on my account for three months in 2021. I paid the balance in full in the fourth month which was Nov 2021. TU and EQ show this and EX shows it as three missed payments. * The only other…
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Why does being conscientious and creating ARs result in a more punitive outcome than defaulting?
I had an AR for half-payment for three months in 2021 while a student. I then paid the balance off in full. Prior to digging deeper on here, I was always of the impression that if you can't afford to pay in full, you should always come to some sort of arrangement with the lender. It now turns out that it was more sensible…
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Cancel contreact with my3 when I do not have phone
About 10 years ago I opened a contract with "my3" for a mobil phone for a lady friend because she had a bad financial record. Since the we have parted ( approx 6 years ago ). Approx 2 years ago I thought that we had transferred the contact into her name, but i have just found out that the contact is still in my name but…
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Defaulted accounts no longer on credit file?
I have been paying off my defaulted accounts, and I cleared one fully yesterday and the next will be gone in two months. How come these have disappeared and what does this mean? Thanks!
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Credit Ratings and adverse accounts
Please can I ask for advice regarding an adverse credit account. I took on a DMP in 2013 and paid the agreed monthly amount until I sold my house and cleared the whole amount in August 2016. So I thought the 6 year countdown to a better credit score would start then. Ive been checking my Experian over the years and its got…
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NatWest mortgage missing from Transunion file
Hi all, I’ve had a NatWest mortgage for just over a year now and it is missing from my Transunion credit report. My address with them is correct. The mortgage shows up on Equifax and Experian. In this instance should I be speaking with NatWest or Transunion to get this fixed? Thanks.
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United Utilities on credit files
Hi, I am looking for a little advice if possible for how UU conduct themselves on how they report back to the credit reference agencies an whether the methods seem allowed. I have been helping my brother go through and repair his credit record which now stands in a fair position with one exception being the information UU…
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DRO over six years but still showing on file
This person did a DRO over six years but it’s still showing on her file? what can she do to get it correct please?
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Financial Decoupling from Ex Partner
Hi Everyone, Could anyone please advise me with the following... I am going through a divorce with my soon to be ex partner, we have settled all debts, removed each other from respective credit cards, sold the marital home and today I closed our joint bank account so there is now nothing that should be financially linking…
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remove settled CCJ off file
Hi All, I am trying to move cities , I have a good job, secure and well paid but my credit check always fails. I had a CCJ on my file in 2017, I paid in 2020. It is still showing on my credit report as satisfied but apperantly its still an adverse credit I didnt declare. How can I get that removed? Why is it still showing…
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Not as it seems a straight forward request- Bank
To cut a long story short my son stupidly let someone use his bank account to transfer money in and out of Subsequently his bank have picked this up after investigation closed his account under “fraud” at the time they never said anything to him either by letter or conversation as to Amy impact it would have on him As he…
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Unknown CCJ appeared on credit score
Hi everyone, I really hope you can shed some light on what has been a very confusing couple of hours. My boyfriend and I moved out of our first rented property together in Feb 2020. We are looking to get a mortgage in principle in the next couple of months and have built up excellent credit scores and have never ever…
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MSE Experian Credit Club - Score updated every couple of weeks or so.
Since June 1st, instead of getting an email once a month informing me of my latest credit score, like I always used to, I now get an update about every two and a half weeks.My last few email updates have been June 1st, June 17th, July 6th, July 24th, August 11th and today August 30th.On today's report it says my next…
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RBS CC goodwill adjustment late payment removal
Good Afternoon. So I'm wanting a mortgage for a house and had a look through my Equifax credit file and I have a missed payment on my RBS credit card in April, as soon as I got the alert I made the payment. My report apart from that is perfect, no other nasties. I went onto RBS chat and they said they couldn't do that as…
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Removing Payday Loans from Credit File - Companies no longer exist
Several years ago I took out a number of payday loans, which I now believe were unaffordable. I have had some success either reclaiming interest payments, or having these loans removed from my credit file (or both). I'm not that bothered about the money now, as I'm in a much better position, but I'm keen to have them…
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Credit score ruined by computer error
Hi all - I’m at a bit of a loss. I discovered that my credit score has over halved and after getting an experian account and doing digging I’ve found that an old internet provider has been claiming Ive owed them £8 for the last 6 months. Problem is they never told me. I spoke to them last week and they said this was a…
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My credit rating has taken a major hit after first house purchase. What can I do?
My partner and I bought a house in Feb. Around the time our mortgage funds were transferred my credit rating dropped from 'Excellent' (in Experian) to 'Good'. Then about a month after we moved in it dropped again to 'Fair'. Thankfully this month it didn't drop any further (it stayed 'Fair'), but I would really like to have…
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Old CCJ from Motormile
I have got a CCJ from July 2017 which I have discovered is from a Motormile payday loan which got me into all sorts of financial trouble. It is now owned by Moriarty Law. Given that MM sought to redress their customers in 2017 (I never got that meno!), what is likely to happen if I contact Moriarty? I did contact Lantern,…