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Do multiple bank accounts negatively impact credit scores?
Hi, I see there are some exciting deals reported on MSE about switching your current account to other banks. I'd like to take advantage of deals. However, I want to keep one stable current account in place. So, would opening another current account to take advantage of these deals be negatively reflected in my credit…
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Does Closing Old Credit Cards Effect Reports?
I have some old credit cards that are no longer being used. If I request they are closed will it have any kind of impact for the next 6 years? They are low limit cards BTW.
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Financial Dissociation from Ex Partner
Hello, anyone who has previously dissociated from an ex partner on their credit report...Can you advise whether I need to notify all CRA separately? I have only been able to find the form for Experian up to now. Thanks!
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County Claim sent to my address addressed to Previous resident
What do I do about a County Claim sent to my address addressed to Previous resident? He had not paid his energy bills and they are chasing him through the courts and they still believe that he lives at my address. I'm worried that if I do nothing, a CCJ will be registered at my address and that may affect MY ability to…
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CCJ made by ex boyfriend
Hi, I have a situation where after I asked my ex to move out he started a campaign of harrassement against me and my young daughter, including threats of violence and stalking my daughter on social media over the course of a few years. Police are aware and crime numbers raised against him, otherwise they've done little…
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Virgin Media default payment
Morning, I took out a Virgin Media account in 2017 and 9 months later I moved house, just 2 doors down, on the same row of terrace cottages. I asked to move my Virgin Media account to the new property and was told they didn't service that area, despite the two houses being joined, and I would have to continue paying the…
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Always in overdraft
Hi im looking for advice on two things, how much being in your overdraft nearly all the time affects credit score/mortgage application and also can a bank take an overdraft off oyu with no warning ? in a nutshell my savings are 4 times more than my overdraft but currently to one side to buy a house, if i was to put enough…
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I got declined but don't know why
A few days ago I tried to get a new mobile. Nothing fancy, just a reconditioned iPhone from Giffgaff that would cost me £10 a month over a couple of years. I had to go through a credit check, and when I put in my details, I was declined. I'm a little confused by this. It's the first time in years I've tried to do anything…
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Demanding Payment and Debt collection - Bill after 2 years
Hi, I moved to a new build property a few years ago. As usual, I took on electricity, gas, broadband and paid them as normal - either the vendor contacted me OR the builder provided my details to these utility companies. Since I moved in, I never had any water bill and no water utility company contacted me. I did not…
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D11 Enforcing a Court Orde
Hi I'm looking at enforcing a financial order, using the D11. I'm not able to afford a solicitor, so completing it myself. The financial order was submitted in 2017 and re-addressed in 2020, and there is a section that the Ex (Respondent) has not fulfilled, namely to remove me from the joint mortgage, by either sale or…
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False reports
Hi i use clear score and I’ve seems that virgin mobile has put 4 months of arrears on my report bringing my score from 600 to near 300 and I don’t owe them anything I left them October last year and I paid my last bill off they’ve told me to email credit amendment but they will respond in 21 days Why are they sending false…
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To have two PCP car finance agreements on my credit report
Apologies if this is the wrong thread but it’s in regards to searches, credit files and borrowing on PCP. Bit of a tricky one here, please bare with the long post; I unfortunately wrote off my car in November. The process prolonged until a week or two ago due a third-party company elected by my insurance to recover my car,…
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Credit history and repaying interest free catalogue account
I'm looking to build a credit history after returning to UK. I was unable to get a credit card, even a basic one. I was however accepted for a catalogue account, which will simply be used to have a credit account on my record until I am eligible for a credit card. I need advice on repaying it. I bought something very…
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Cra Score Fun Time....
Todays almost Perfect day, it's only taken almost 12 years to read Excellent!
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A little help with CCJ's and outstanding debt
Hello all, new user so go easy on me. A few years back I got myself in a mess mentally and financially. I did what at the time was I felt my only option and buried my head in the sand. Fast forward to this year and I've started to try and fix my finances. I've signed up to Experian, Credit Karma etc and started to sift…
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Credit limit low
I just received my credit report and my credit limit is low. I have a loan I pay regularly and my mortgage. My bank account is always a couple of hundred £ in credit each month. What can I do to improve this?
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CCJ - time frame between claim letter and issue.
Evening all, Ive got a bit of an odd issue and hopefully someone more knowledgeable than me can shed some light on it. I have received a letter today from Mortimer Clarke solicitors, stating “As you are aware, proceedings were issued against you in the county court business centre on .” (Im presuming there should be a date…
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Should I go through with an AP?
Hi all, I have been reading around these forum's on what affect an AP would have on my rating longterm. Basically my situation is that I'm paying off my credit cards, and after all my outgoings I'm left with less than £30 a month. I have looked at what I can cut back on but found nothing. I'm not able to get a balance…
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Have your say: Review of Credit Reference Agencies.
This affects us all. The Financial Conduct Authority is looking at the Credit
Reference. The Credit Information Management Study (CIMS) We, as consumers can have an input, closing date 24
February. Links: Credit
Industry Management Study Interim Report & Discussion Paper Potential
remedies of above report Important for…
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Financing a car and credit files
I had a search first, but I wasn't able to find an answer to something I was wondering about - How is car finance reflected on a credit file? I know an unsecured loan will show as simply a loan, but what about PCP, Hire Purchase or a loan secured against the car? How about finance provided by the manufacturer on a new car?…
