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Finally paid off my credit cards - should I keep using one of them?
I have 4 credit cards that I have been paying off for quite some time, and over this time paid a fair amount of interest. Last week I was given some money by a relative and I now paid off in full all the credit cards (just under £2k). I don't plan to use any of the cards again, not for the foreseeable future. I want to…
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Anti money laundering search on credit file
Hello. I had a quick look at my credit record as I haven't checked on it in a while and I noticed a company that I used to work for over a year ago did an Anti-money laundering search on my file at the end of last year. It says in brackets (cosmos, Cval R) I have no idea what that means. But I'm more concerned that a…
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Not sure how to class my employment...
Hi all, I'm going through a few changes in life and my 'job' status has changed. I'm trying to update my Credit Club details and i'm not sure what to class myself as when it asks about employment. I'm currently receiving 3 different pensions, and have a flat that has tenants so receive rent from that also. I also have a…
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Unknown “Specialist lending” direct debit
Hi all I’m a new member and couldn’t find anything using the search function. I’ve had an unknown direct debit and called the company (a mortgage company) who said it was not connected to them. I stopped it via my bank but it’s now showing on my credit file. Does anyone have any experience with this? Any advice would be…
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Ridiculous number of daily soft searches.
Since 15th March I have noticed a ridiculous number of daily soft searches on my Credit Karma account, from a company called Madison CF UK Ltd T/A 118 118. They are for 'Quotaion and 'Affordability'. I have contacted them for an explanation, but have heard nothing back yet. I have had two searches so far today. Yesterday…
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Natwest missed payments error
Hi Due to an administrative error with my salary in 2021 I wasn't paid. I contacted Natwest and they agreed to one month payment holiday. With no money for a whole month when I did get paid I struggled with catching up. I went into a arrangement to pay back my mortgage arrear in November 2022 and the areas have now been…
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CCJ STAYED ASKED FOR CCA
Hello wonder if anyone could advise please . lowells issued a CCJ against me in December 2021 relating to a credit card debt - I responded to the CCJ stating I had requested a copy of the CCA - the CCJ was stayed and I heard nothing since, until yesterday when I got an email with a copy of the CCA saying 14 days to pay or…
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[Help] Paid off my credit card / O2 balance. How long does it take to update credit file?
Hi there, on the 3rd of march this Month I paid off an £840 credit balance from my credit card. Also on the 20th (A few days ago) I paid off an O2 mobile phone plan too that was £500. How long does it take to reflect this on my credit report? Is there any way to speed this process up. It's pretty important as it's for a…
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Tsb ruined credit
Last April my son in law closed an inactive tsb account. There was nothing in it as far as he was aware and that was that. Today him and my daughter are applying for their mortgage and he had an adverse high risk event from that closure. We don't really understand what had happened, what they can do and if this can be…
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CCJ question
Hi hope someone can advise me its a bit of a long story In essence i have poor credit (Mortgage defaults and a CCJ dating back to Nov 2020 which was satisfied in May 21) I've just come come through a messy divorce Jul 22 Decree Absolute issued. My ex refused to pay the mortgage on the marital home despite living there…
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Wrongful CCJ has not been removed from file
So I was given a CCJ in August for an unpaid parking fine because the court wrongly thought that I had failed to send in a questionnaire that I had to fill in for the small claims court. I proved to them that I did indeed send it, it went back to a judge, and the case went back into the system, as the judge agreed I DID…
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Credit report help
Hi all, I am looking for a bit of advice to improve my credit report if possible please. Each of the services I use, including the MSE one give different advice. The main reason I ask is I want to get a first time mortgage this year. The scores, for what they are worth are below. Scores below: Experian 968 Credit Karma 617…
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Old debt getting reported
I had a ccj issued in 2012 and this fell off in 2018 however the company has started reporting missed payments from Feb 2023 to my credit report for the same debt . Is this legal . I have never contacted the company I relation to this debt however 5 years after the ccj fell off they are now reporting it as missed payments…
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Delinquent status
Hi, not sure if I’m posting in the right place but I’m wondering if anyone can help. I have a small loan showing as delinquent on my credit file from 2015. I made no payments to said loan ( I was immature and didn’t deal with finances well back then ) my question is can a creditor just leave the status as delinquent for…
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Homeserve Boilers increased the price AFTER I agreed to the fixed price quote and had credit check
Hello, I recently got a quote from Homeserve for a new boiler. I was told that the quote was a fixed price quote. After agreeing to go ahead, a hard credit check was performed, only for them to come back and say that an engineer had reviewed and decided there would be more work involved so they were increasing the price. I…
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14 years
I'm looking for some advice if possible I left my ex husband 14 years ago, we had a joint mortgage and within the divorce we agreed on a transfer of equity to him. The mortgage disappeared from my credit file and that was that 14 years gone last month when I left Today I have received a notification to say there has been a…
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Equifax corrections
has anyone else had to deal with Equifax. I really have no faith in this company in holding my personal data. I became aware of a couple of mistakes on my credit file since I joined ClearScore. One was an open vodafone account that was closed many years ago, got that one resolved by dealing with vodafone complaints (also…
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Incorrect bad debt
My daughter and her boyfriend are trying to get a mortgage as first time buyers and have been declined. This is because of a poor credit report for him. There is a debt showing on Experian for British Gas which is in his name, it shouldn't be, he lived with his parents at the address that the debt is associated with, but…
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Klarna arrears query
hi all, I have 2x arrears listen on my klarna account. These were due to initial bounced direct debit payment for the balance due on one month and one late fee payment (incurred due to the bounced DD) which is shown as unpaid. However in both cases, I actually paid my full amount due by the payment due date on the months…
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Notice of Default under section 87(1) of the Consumer Credit Act 1974
I am seeking advice regarding an issue with my BA American Express card application. I applied for the card to take advantage of the offer of avios points if I spent £3000 in the first three months. I used the card aggressively in the first month and spent over £2000, which triggered a credit review from American Express.…
