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paying off old debts
Hi everyone I have recently been brave enough to look at my credit file. It's really not good, in fact, its abysmal. I paid off £30k in debt by way of a DAS about 2 years ago now and knew because of this my credit rating would be awful. Anyway there are a couple of mail order accounts which have defaulted from about 3…
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U or AP
We have a client that is showing arrangement to pay (AP) on some accounts on his Equifax File, but is listed as unable to provide a statement (U) on Experian for the same accounts. Could our Equifax or Equifax representatives please help me by explaining how this can happen?
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First Direct, close account or let it heal?
I have had a headache with First Direct and now have a few months worth of reported missed payments (returned direct debits, although I have always paid the corresponding companies on time which my credit file reflects), and confusion over a discrepancy between overdraft limit and available balance. Anyway, we live and…
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Cabot financial
Hi, First time on. My partner has a debt with CABOT FINANCIAL and is reluctant to call them to find out where this has come from. We have just signed her up to experian to get her straight. Her ex was a mess with finances and it is likely from him or something he arranged, although his name doesn't appear on the report. Is…
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Incorrectly defaulted account - Comet Store card
Hi I took out a Buy Now Pay Later deal via Comet for a washing machine in 2012. When it came to pay off the debt I missed the initial date and had to pay an additional amount for the one month's interest. So I rang up the company (Santander Store cards) and asked to pay off the full amount of debt which was £512 (paid with…
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Need to rebuild a bad credit history? New ‘last resort’ option.
1 April 2008 What’s this all about? If you’ve got a poor credit history, or no history at all, it can be extremely difficult to get accepted for new credit, including loans, credit cards and mortgages. Yet there’s a new ‘last resort’ solution to help repair a dodgy past; it costs £60, but if you’ve tried all the other ways…
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will they remove my default?
Hey guys, I have just recently looked at my credit file for the first in in many moons, I have discovered a default for £147 from "studio". I had no idea this existed, its from 2012 and it appears it be from an address I moved out of long time ago. I have contacted them today and asked them about it, I said I would get…
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mark against mt credit file but no info given?
I've recently viewd mt credit report in prep for a mortgage (wanted to check to get an idea on how good/bad it is!) There is a mark against me for a late/non payment (??) but it does not state any details - just 'Lendor contacts unknown' How do i rectify this if i have no idea who it is?? Also, ive read conflicting info on…
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Improving Credit Score
Hi All, My partner has had a VERY poor credit score for a while now (due to unemployment and family debt). We are looking for our own place within the next year and her credit score worries me as i would prefer to get a mortgage with our wages combined and not just rely on mine because my credit score is VERY good. I…
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Compello Group
Hi, I was wondering if anyone could give me some advice. I have a debt relating to an old First Direct account, and I have been since about 2008 0r 2009 been chased by this pack of bloodhounds. I have never responded, plus the debt isn't very much, but it was the result of constant bank charges always coming the day or 2…
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How long does a 'default' account sty on my credit record?
I've just finished paying off an old HSBC overdraft via Marlin Finance. This showed on my credit record as default, even though I was paying it back monthly via HSBC themselves and I always disputed the 'default'. Anyway, when does the record disappear from my file? Can I request it to be taken off immediately? It's…
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Searches badly affected credit rating - for how long?
Hi there Until recently I had a 5/5 credit rating on Noddle, no idea about the other agencies but as I have no defaults on record and have a reasonable line of credit I imagine there were no problems. I recently discovered a search by Tesco on my file and I have no idea what this relates to, as I've never applied for any…
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Santander have incorrect info
Any help would be appreciated. I wanted to check my credit file as we want to go for a new car in June/July time, and wanted to make sure there was nothing on there that would jeopardise any credit I needed. I found my credit score was POOR, but simply because I have 70% credit already (I called Equifax), and they said…
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Any legs to stand on?
Hi all, I have a quandary regarding credit cards and fraud... namely I have an item, an unused wedding dress, which I placed for sale on a relevant website. My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah, we were scammed to the tune of £300 approximately.…
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Newly Debt free - how quickly should I see improvement in credit score
I am newly debt free, having got from over 30k unsecured borrowings, to nothing, thanks to a very kind gift from a family member. I've viewed my credit file across all the main agencies, and my credit scores are fairly good (I've never missed a payment), but all still show the total borrowing amounts before I paid…
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Applied for new 0% card, was Refused
I applied for a new 0% rate card, after taking the pre check test here, which said there was a 9/10 chance of me getting it, but I was truned down for the card, so I am a little annoyed that this site had said I would be eligible.:mad:
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CIFAS Marker
Somebody applied for a savings account (to what end I don't know) using my details. I alerted Halifax about this and they immediately closed the account and have logged it with CIFAS leading to a CIFAS marker on my credit report. My query is will this marker affect my ability to get credit? I've no intention to apply for…
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Avoiding membership renewal?
Hello I've just tried to get my free credit report through Experian but because I have previously done their free trial (a few years ago!) it recognises my details and takes me to a renewal (monthly subscription) page. Is there a way to avoid this? Magda
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Payday Loan Defaulted after 16days of payment being due?
Just need a bit of advice really? I got a payday loan (stupid yes i know) on 20/12/2010 as I hadnt been paid before xmas and I needed extra bits for xmas day which i didnt have the money for. I was due to be paid on 10th January 2011 which is when i asked for the loan to be paid back, 10th January came... no wage... turns…
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vodafone default help!!
Hi guys I'm in a bit of a pickle and could use some advice. back in 2008 I took out a phone contract with vodafone, I cancelled it in dec 2010 and took out a new contract with another provider however continued recieving bills from voafone, after several phoncalls it was established that they had failed to cancel the…