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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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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…
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Who are "SS&C FINANCIAL SERVICES"
Anyone know who "SS&C FINANCIAL SERVICES" are? Just found an enquiry from them on my credit file but have never heard of them before.
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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…
