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Switching accounts
Not 100% sure this is the right place to be posting, but... We are thinking of switching our current account, but have been with our current bank for over 20 years. Looking at Santander 123 account. The vogue for switching every time the offers change is all well and good, but my question is, often, when you apply for…
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New to the UK and trying to build credit
Hey guys, I'm new to the UK and am looking for ways to build my credit score as quickly and soundly as possible as I'd like to do the usual stuff; gain a credit card, buy a car, buy a house..etc I know there are no tricks to the trade, so to speak, but there's some great advice on here such as registering to vote. I tried…
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What happens now?
Hi everyone I live in Scotland and have just completed a DAS (Debt Arrangement Scheme). It is regulated by the AIB and the terms are that after it is completed any remaining balances due to interest and charges etc must be written off as these were frozen at the point the DAS was agreed. My DAS was for 59K! It was…
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Credit File & Mortgage Application
Hi, Later this year I hope to be in the position to apply for a mortgage and purchase my first home..... In preparation for this I have contacted the main credit referencing agencies to find what info (dirt) they have on me. Everything is ok except the following: * Jun/Jul 2010 - Two missed payments on Co-Op credit card.…
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How !!!!!!!g long...
2 months ago I registered on the electoral register, I should say 2 months ago I was placed on the register, yet still not showing on my report :mad: Why does it take them so long to update this kind of info? 2months is a Joke
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Will changing my bank account affect my credit rating?
Hi everyone, I am just looking for a little bit of advice regarding bank accounts/credit file. My credit rating is really poor and I am currently working on improving it. I have satisfied all of the defaults on my account apart from one - but I am making agreed payments to that each month. I have seen the offer on here of…
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Is this default incorrect?
Hi, I went on a debt management plan in 2009. All my creditors defaulted me at this point or within a year bar one. As far as I can see the loan with HSBC haven't reported the loan at all on my credit file at all. It does appear until a default in March 2012 when they passed it on to a debt management company as they…
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help with experian
what to do when even experian mess up because i know 100% they do
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Experian's "free" offer!!!!!
Beware, beware! The "Experian" Free one month trial for a credit report is a once in a LIFETIME offer: you can never do it twice. If you apply on their "free trial" site again they charge you - currently £14.99 a month - immediately! No free trial, no free report, it's all hooey! Even if you have not had any contact with…
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Ge money default help please
Hi Im pulling my hair out with GE Money and a default I had 18 months ago when I got into difficulty. I missed 3 months payments but quickly got back to just under a months payment due . GE Money issued a default notice but last year I managed to clear the arrears and every payment has gone out on time and in full ever…
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Global Debt Recovery Ltd
I had a letter from Global debt recovery today, stating that they had been instructed to recovery debts from their client. No mention of the client just an account number. I believe that this company acts for Alliance and Leicester. I had a mortgage with them 20 years ago which I then lost my house. I have had no…
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6 years after debt is paid???
Hi I wonder if anybody can help! About 5-6 years ago I fell in to some financial difficulties. At the time I had a loan and credit card from Lloyds. I ended up falling behind with payments and things were getting quite bad, so I decided to go to a Debt Management company. They contacted Lloyds and came to an agreement and…
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Tips to Boost Credit Rating
Hi, I'm looking for any tips to help my wife improve her credit score. After five years of being together and getting married and moving how many number of times due to renting, we are now approaching a period i.e debt free where we can start to save for a house deposit and finally look to buy our own home. she has always…
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Credit File Footprints
I'm in the middle of applying for a new mortgage on a new house, as well as a remortgage on an existing house and I've also just taken out a new credit card, all in the same couple of months. I'm also wanting to open two new bank accounts in the same period and am worried about the footprints that may be left on my credit…
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Financial Association
I have contacted EQUIFAX and they are arranging to have removed someone who I use to have a financial association years ago. Do I need to contact the other agencies as well for them to make the amendment.
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Financial Probing
I have applied for and accepted a new job, I have had to agree to a financial probity report. I do not have any ccj's or iva's or bankruptcy, but i am on a debt management plan and had to declare this on the form, this has approx 1 year left to run. Does anyone know if this could affect the offer of the job? Thanks
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Anglian water on Experian
Just checked my credit file to see Anglian water has been providing information about me since 2012 - I don't recall agreeing to this, and although there are no bad markers (all green ticks) I do not want this not there. Is here any way I can request this to be removed - isn't there a way around this under the CCA?
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Confusion over credit report
Hello, I was wondering if anyone can help me, I am currently with a debt management programme (I know complete money suckers) and I am now looking to end this and deal with my debts by myself, I have contacted all my lenders that are listed on my credit report and the ones that are listed on my debt management plan, but…
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Arrangement to pay
Hi there, I've been working pretty hard on getting my credit file a bit healthier over the last 4 years, and have been doing quite well. However, just before Christmas TSB removed my £2000 overdraft without giving me any notice. When I discovered this I called them up and after some arguing the call operator offered me a…
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Effect of searches on credit file
I know that searches have an effect on our credit rating, but to what extent? I had a notification from Experian that there were "several" new markers on my account. When I checked it seems that my recent foray onto price comparison sites for home insurance resulted in 8 companies searching me. I would understand if they…