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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…
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Goodwill letter
Hi All Basically pushing for a mortgage so after all the help i can get...credit score is slowly creeping up, i had an account i completely forgot about and it ended up going over my very small overdraft for 2 months in a row (silly i know) I've heard of people writing to banks etc to ask them to remove the missed payment…
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Paid amount of claim form in full. Need advice
Hi! I can't seem to find the answer to this elsewhere. I recently received a claim form for about £100 that I owe. Since it's not a huge amount, I just decided to pay it in full to avoid it becoming a CCJ. I called the solicitor and paid the amount and asked if I still had to fill out the claim form and they said no, and…
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Credit limit in total
I don't look at the score because I know it's a load of bull. I looked at credit karma and it states that I have 20k of credit available in total and I only earn just under 22k..I am not needing any other credit at the moment as I just got a new credit card. But I am amazed that I have that in total. Is it possible to have…
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A fraudulent bad debt on my credit history is stopping me remortgaging
Help please!! In 2017 someone took out an O2 contract using my name (but wrong title) and date of birth, in 2018 I received a letter from a debt collection agency (Lowell) - I called them to explain it wasn't me, never lived in London, never had a O2 contract etc etc....thought it was sorted... Now I find the fraudsters…
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Anonymous Voters (ER) list and credit scoring
Hi, I wondered if anyone can offer a perspective on Electoral Registration (anonymously) and credit scoring. I am listed on my local authority Electoral Register (ER) as an anonymous voter for security / work purposes. The issue I have is this - does this affect your credit score ? If you go onto Equifax, Transunion uk,…
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Credit file data check from lenders
Hello all, I hope you are well! I have a general topic to put out there for people’s discussion and insight if possible. When a lender runs a check on you for say a credit card or a mortgage, do they see the live credit report on that day, or do some only get a snapshot of when they pull data from the credit lender? I’ve…
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Financial Association
Hi guys, long story short: Me and my other half ( not married ) applied for a mortgage. Found a house, mortgage offer was issued but sale unfortunately didn't went through. Buying process is over, mortgage offer expired. I have opened my credit report and noticed that now in my credit report it says that I am financially…
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Barclays GDPR request
Hello all, wondering whether anyone else has ever requested right to access from Barclays and has difficulty? initially requested it in September and they waited a month then sent a letter saying go to branch with ID, so logged again by a staff member over the phone in November, and said would be fine this time I done mine…
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Experian Credit Score
Hi All, I have recently moved taking out a new mortgage in the process. My Experian credit score used to be 999 but is now 879. The reason, I think, is because the age of my mortgage is showing as N/A (as it was only taken up last August). Does anyone know how often mortgage repayment history is published to these agencies…
