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Bank approved mortgage and declined -after audit
Wondering if someone can advise me on that, Barclays approved our mortgage on the 1st of November 2022 , we were happy and were busy shopping for new house stuff. we got an email which was forwarded by our broker that bank need our pay slips, statements and proof of deposit again and statements should show that deposit if…
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Credit Rating - Should I tell them?
Hi, I have 3 credit cards, two smaller ones (2k each) and a larger one. I've had the larger one 8k since about 1978 and use it most of the time. I always clear all cards each month by DD. Experian is only aware of the two smaller ones and continually sends me updates to check my score, almost always within a few points of…
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Should credit limit increase offers be accepted?
Would this help or hinder a credit score?
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Identity Theft Cifas
Someone has opened an account with JD Williams, but i have Cifas Protection, how has this happened and what can i do to stop this in future i thought Cifas would protect me their are also no hard searches on my file
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CCJ and Address on Credit report that isn't mine
Hi I would like some advice on a CCJ that is not mine on my credit report. Over a year ago I noticed on my credit report that there was another address added, this was listed as current address, telecoms bill, credit card and Thames water. I have never known to be at this address and do not know anyone that lives in that…
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Very Pay - worth it to save £100?
Not sure if this is the right place or not but I'll ask and see..! Basically it seems if you take out a "Very Pay" credit account you get 20% off. I'm looking for a new laptop, using this 20% off would save me £100 or so vs the cheapest alternative place, Argos or Amazon. I havec zero need for the credit, and I don't want…
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Having difficulty disputing a credit file error? Please help!
Hi, new here; I'll try to be concise. When I closed my previous Yorkshire Water account, I was required to provide details as to where I was moving (which I thought strange). This lead to Yorkshire Water passing my details on to the new Utility Company, and an account was automatically opened in my name. However this was a…
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Debt Letter Conundrum
We have received a debt letter addressed to our house, in my wifes sisters name, she has never lived here. The sister has been an in patient at a Section 1 mental care institution since August 2016 and is considered not to have capacity. So far as we know she has not been able to make any purchases in this time. Her only…
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Can't get mortgage after fraud and credit score affected
Hi I'm hoping someone can help and with next steps. I am writing this on behalf of my son. He and his girlfriend Have applied for a mortgage but it was rejected as my son's credit score was bad. He has always had a great score but in may this year we found out someone had taken 3 accounts out under his name with O2 an…
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Incorrect CCJ
My daughters partner has a CCJ wrongly placed on his credit file (his father has the same name). The courts say that its Experians fault and Experian say that they have correctly applied the information given by the court. Any suggestions on how he proceeds?
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Lantern DCA Confusing problem.
This might be in the wrong forum, for which if it is, i apologise. Last week i received a demand from Lantern, saying that they've been trying to find me. (News to me i have lived in my current address for twelve years) They have issued a demand for £250 saying that i owe it. Now they don't say what the 'actual debt' is,…
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Debt collection searches CRA
Debt collection searches appear in the soft search part of my credit report however after check with Equifax apparently they can be seen by lenders and do negatively effect your credit worthiness. Is this true? I thought only hard searches were visible when applying for credit? I will attach picture to show what I mean…
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Credit file skullduggery
Can anyone tell me if this is right/allowed. It's from Provident Personal finance, I'm sure people are aware of the back story of all this and payday loans but when they liquidated the just marked it as satisfied rather then removing it. I missed the time frame for compensation and when I've emailed them they basically say…
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Credit Rating: How it works and How to improve it discussion area
This thread is specifically to discuss the Credit Rating: How it works and how it improve it Guide Including the new, unique Credit Checker Click reply to discuss
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Admiral default notice, what do I do?
Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…
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Overdraft and credit rating
I have a £1000, 0% interest overdraft. I don't need to use it. I have no need for credit. I got it to to help boost my credit rating for when I buy a house. I cannot get a credit card. I tried but have no credit history due to not needing any. I need to know how to effectively use a 0% overdraft to boost my credit score.…
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No longer on the electoral role with Equifax
Hey forumites i am about to apply for car finance and decided on a cursory glance at my credit files…it seems on equifax i am no longer on the electoral role..having called them they explained they require annual confirmation from local councils to maintain this status..i.e they take you off every year until they are…
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Can I change the address of the defendant on court papers after obtaining a county court judgement?
I've obtained judgement against my rogue roofer and I'm just waiting for the paper copy of the judgement through the post. I've recently found out that the address he told me he lived at (that also appeared on his invoice and van) is not where he lives and he's not local. I can't find any information online (went through…
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Equifax - Address not listed
Good morning, a relative has been involved in an APP scam recently and has asked me to help them keep an eye on their credit files. We have set up the MSE Credit Club for Experian and Credit Karma for Trans Union without any issues. We have tried to set up Clear Score and directly with Equifax but their address isn't…
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HSBC removing credit searches after three months...?
Hi all, Wonder if anyone else has experienced this! I had three hard credit searches on my Equifax file from HSBC, two from August and one from October. Ordinarily these would drop off after a year, but they've all progressively been removed from my Equifax file and are now all gone. I've not had any contact with HSBC that…
