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Strange debt collection letters
I hope that this is the relevant section! This morning I received 2 separate letters addressed to 2 different names. Opened them up and they were both from the same debt collection service "Burlington Group" claiming a mobile contract debt. Obviously these people do not live at this address and as far as I am aware have…
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How long for Experian to give you access?
How long did it take other people to get access to their credit report? I used checkmyfile for Callcredit and Equifax. I got access immediately. I applied for Experian Credit Expert at the same time. After registering it said I would be contacted by email within 2 working days. I received nothing for 5 days and then I got…
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How to get the ball rolling back to a good credit rating
Just after some advice as to how I should approach improving my credit score. So after 4 years of severe financial problems I have finally paid off all but one of my creditors which is being managed well (overpayments and on time etc). I have been in debt for so long I have no idea how to get started with regards to…
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When should an account default ?
Hi, I'm currently in the process of sorting my partners long list of debts out, at this time she has been with a debt management company since September 2013 and will have about 10 months to go before everything has been paid off, overpaying where we can. I understand the defaults are 6 years before being taken off,…
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Removing Defaults Early
Can it be done? I've got two I recently discovered - £133 and one for £256. I'll not make any excuses, I formally a very poor person at keeping on top of 'bills' and didn't open a letter for 5 years until recently (any letter). £133 is owed to T-Mobile and Defaulted in 2013 - so I can look forward to wearing it until 2020.…
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BCW unable to obtain copy of credit agreement
In an effort to sort my credit file out paying back defaults etc, I wrote a letter to BCW detailed below Dear Sir or Madam. After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my name. Further to this I have no recollection of ever…
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Missed Payment due to current account switch
Hi I have a lease car from Nissan financed via RCI and pay direct debt for monthly instalments. Recently i used the current account switching service to switch to Halifax and all my direct debts were moved to the new account. I also received a letter from RCI stating that the DD mandate was setup correctly with the new…
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Experian and Student loan
:(Hi I have recently become aware of a default on Experian issued by the Student loan company. The default date is in 2012 with an update entry in 2013. The loan was taken out in April 1998. I contacted the SLC who stated they have never defaulted me, the account is currently £0 balance. The amount showing on Experian also…
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Disassociation but still connected.
I divorced my ex husband in 2012. I am still on the joint mortgage (taking steps to end that final link), he recently went into arrears which has now decimated my previously very good credit rating. Can I disassociate myself even though I am still financially connected through the mortgage?
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T-Mobile Default I didn't know about.
Hi, I need a little help with this one. I only really started checking my Credit report a few months ago and noticed a Tmobile default saying £53 owed. It has been every month since June last year. I had trouble when I lost my job at the end of 2013 and couldnt pay the bill for a few months. Then in Jan the debt collectors…
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Advice Please!
Hi everyone I have recently succeeded in my quest to remove a CCJ that had been entered on my credit file incorrectly. 1) Should I expect my credit score increase dramatically? 2) I have 3/4 defaults from 2010/11 some are still "open" but only for roughly £1600 in total. my credit score is currently 856 (25 points away…
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wrong default date on file.
HI I agree with all the defaults on my file but one was place a year later than I thought can I appeal?
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Do loan companies REALLY take notice of credit report & credit score?
I applied for a £15k loan, for debt consolidation, yesterday from Sainbury's and after 25 minutes of grilling/answering questions, the lady said she'd let me know straight away if the application had been granted. Result - sorry but not granted. Advised me to check with the major credit reference agencies. Not deterred I…
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How can i ressurrect my creditworth for a mortgage?
Hi everyone; As of January 2015 my Partner and I decided it was time to grow up and turn our credit rating around for a chance to get a mortgage in the near future and here's a bit of background on our situation: JOB Partner in a new job now for over 5 months I have just recently secured a permanent full time job (changing…
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Lowell and defaults
I defaulted on an account in March 2014, and paid balance off in full in Sept 2014. Account closed. May 2015 Lowell slap the default on when it was not on my file at all previously. Is there anything I can do about this? Have been getting myself sorted over the last few months, everything due to drop off file by mid 2019,…
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Defaults dropped off.
I had three sizeable defaults in 2009 that occurred after I broke up with my ex (I should have been more on top of things). They were all settled as soon as I found out about them but I have held off applying for any credit since due to the impact these had on my credit score. I have had no adverse credit before or since.…
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Car Credit
Hi all, I have an Equifax score of 474 (may have just increased a bit further as late payment increases >1 year ago) which is at the low end of Excellent, and a Noddle score of 5/5. I earn £35k, have no debts bar student loan, and have only one accidental late payment on my credit card just over a year ago. Everything else…
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Terrible Credit Rating following DMP
In early 2014 I got into some financial difficulty and entered into a Debt Management Plan with StepChange Debt Charity. This year I decided I would like to do some further lending with my mortgage company, but unfortunately my credit rating had declined so much that they weren't willing to lend any further to me. As a…
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Vodafone Default Account
Can anyone please shed some light on this, we have applied for a mortgage however due to Vodafone putting a default account onto my partners credit file this is effecting it massively, this is a recent thing which unfortunately Vodafone have left to go on and on, we have been calling them for over a year now to try and get…
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Poor score
Hi all, Just got a potentially permanent job so had the first inklings of thinking about saving quickly to buy a place. Checked my credit score with Equifax - was suprisingly low! At the bottom of their Excellent category which seems not too excellent! Immediately signed up to the Electoral Register and cancelled an old…