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Lending Stream/Mortgage
Hello, during the latter part of 2019 and the early months of 2020 I took out several loans with Lending Stream (there were seven in total) All of these lones were paid fully and on time - there are no negative impacts on my credit file in terms of payments etc. They are all closed and settled. However, I did not do enough…
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Lowell chasing relentlessly
Hi, can anyone advise what if anything I need to do. Lowell have recently purchased an old debt of mine that Barclays obtained a CCJ on some 9-10 years ago. I have never acknowledged any letters from anyone associated with this debt nor have I made any payments towards it (as I was unable to) they are threatening legal…
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My Credit Score is ruined by AI
Credit Score decrease from 890 t0 500 points out of 1000 due to Amex credit limit being reduced from £18000 to £10000 which was a few 100s from my outstanding balance. There were no notification which cause my credit utilisation being much more than it was.This also caused a falling dominoes effect on other cards without…
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Default date change
Good afternoon all, Following a complaint a default date was changed from 22/7/22 to 9/3/19. About a month later all CRAs updated to reflect this. A few months later the original debt was sold. This loan with the original company showed as fully settled and a new loan appeared with the new company. The new company has put…
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Thames Water Nightmare
Hi, I’m looking for some advice about an ongoing
situation I have with Thames Water if anyone can help. Early last year I entered into a repayment arrangement as
I had got behind with my bills with being unable to work during Covid
restrictions. In March 22 I was struggling to keep up with the arrangement and
after…
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Help me with my credit history
Hey all, Recently I checked my credit scores using ClearScore and Experian. I am wanting to start building a credit history but I am having a bit of trouble getting started, I dont seem to see any kind of ways of building a history as no one will lend to me, such as credit card companies that even provide 'credit…
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Address and Credit files
I've recently moved and with doing so I have also updated my address with the electoral register. Since doing this, 98% of my accounts have been removed from all three CRA's, all of whom I have also updated my address with. Two out of the three CRA's are still showing my old address too, surely this isn't right? Out of 8…
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Hard or Soft Search
I applied for a NatWest current account. A hard search shows on my Clearscore report whereas a soft search shows on my TransUnion report. How can they be recorded differently?
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103 credit score slump (Clearscore)?
Hello, Today I had a slump of 103 points on my credit score, via Clearscore. I can't see anything that has changed, other than EON appeared and is now marked as "Disputed". I contacted them, but all good from their end. What could it possibly be? Thank you.
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Chase UK now showing on TransUnion credit report
My Credit Karma (TransUnion) updated today and I see my Chase account is now showing on it. But only 1 current account is showing, even though I opened 7. Maybe the ones opened later will show later? The account was opened in Dec 2021, but the first monthly green tick is only for April 2023, no previous history.I was…
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Trouble with CCJ set aside
Hi all, Not sure if anyone can give any advice We found out we had a CCJ on my name last year August. applied in June and the 1 month appeal had just passed by 1 week. We paid if off within a week and completed a N22 form for it to be set aside. We sent it off to CCBC with the consent order. We got a reply in Dec stating…
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Credit Union savings loan gone wrong
Hi i had a savings loan with a credit Union. they have put a default notice on my credit reference file. The statement I have shows I had more savings than outstanding debt. I accept that interest would have been accruing but I also made further payments into the savings account. At some point I stopped paying and stopped…
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How recent is the information that lenders can see?
I’m applying for car finance just now, in the last 6 weeks I have got my credit cards down to 22%/42%/39% down from about 77-80% each. I have also settled the finance for my previous car, and got a £1000 automatic limit increase on one credit card. Finance broker were adamant that this would be reflected in their checks.…
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CRAs, identity fraud and password/PIN
I've just returned from a lengthy trip around India and one thing that troubled me then and troubles me now is the fact that in every Indian hotel, guest house etc my main passport page (and my wife's) was photographed (smartphone). Additionally copies of the pic went to the local police station, FRROs and probably other…
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Slow updates of credit files
why do most if not all credit reference agencies have a 3-5 month lag behind reporting. Shouldn't this be a live update as these credit reference agencies are increasingly becoming a monitor on our lives why the hell am I having to wait 3-5 months for changes ….. who regulates these companies? Because when I've had issues…
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Closing joint bank account
I split up with my ex about 18 months ago, we had a mortgage etc together, the house is now sold and we have both moved on. There is still a bank account in both our names which we used to use for shared bills which I need to close down. He said he doesn't have access to it any more (just lazy, he's forgotten his passwords…
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Pros & Cons of self bankruptcy
Hi everyone, I'd be grateful to get some info on pros and cons of appying to make yourself bankrupt, Versus, let one of the creditors do it, in a situation where there's some limited equity in the house that could be shared between a number of creditors, paying them only partially, once the house is sold off? (House in…
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Do creditors have to default an account?
Hi guys, I was wondering if anyone can help? … long story short. I have an account in default from 5ish years ago. I noticed that the creditor allowed me to miss two payments then allowed me to pay the normal monthly amount to keep it out of the 3 missed payment range, they allowed this for over a year reporting x2 missed…
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Northumbrian Water now on credit file
Just checked my TransUnion report (via Tesco Creditview) today and I have noticed that Northumbrian Water have now started to report to my file. It is showing up to date payment info for February and March and an account start date of 2017 which is correct. Why have they suddenly started reporting me to the CRAs? I've…
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Austrian company trying to pursue bogus “debt”
Hello! Hopefully someone can help me with this one. Long story but please bear with me. This January I took a skiing trip to Austria and unfortunately on one of the days, I injured my knee. It wasn’t serious enough for an airlift, just enough so I couldn’t ski back down so we explained to the chairlift operator and jumped…
