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Accessing credit file - need to do on phone
I just tried to access my credit file on Equifax and when I got the security questions they were all very random - e.g. your credit file shows you opened a current account in 2009 with one of a list of providers (I am with one of the providers they listed but I really don't think I opened a new account then) or you took…
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Credit help for Mortgage
Hi everyone, just after a bit of advice Im looking to get a mortgage next year but have a terrible credit file. Experian score is currently 542. i have 2 defaulted credit cards of about 8k and an overdraft default with a couple of hundred pound on. i stopped paying them when i was a student in 2012 and was unable to keep…
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2 reports on file for the same debt ?
hi all, I fell behind with a personal loan from BlackHorse, and was in a reduced payment plan with them. Anyway, in September of this year my did was diagnosed with a terminal illness, and as an only child, had to reduce my hours at work to care for him. I wrote and told BH this, and they sent me a letter allowing me to…
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Do lenders see more that the public?
Can lenders see a credit account that is not yet active, one that is pending, the credit agreed but delivery of item and payments not yet begun?
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Ordering a postal order
Hi all I have a telephone appointment with stepchange debt charity in 10 days time I am sending off for a postal order of my credit report from Experian This may be a really stupid question, but the £2 fee, can I just put a £2 coin in there? I dont have a bank account
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Unsettled credit accounts
Hi, I was hoping that some of the brains on this site can advise me on the best way to rebuild my credit history. Im 30 and to cut a long story short, I took out a couple of credit cards (natwest - £250 limit, capitalone - £500 limit) in 2008 and defaulted on both of these around early 2012. This was due to a dispute…
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Credit Score Misrepresentation
Hi All, I have an issue with my credit score that i cannot get resolved and need some advice. I have spent the last 6 years building my credit rating to a healthy score. At the beginning of Feb i paid my credit card off in full. At the time it said estimated interest "£0" with this in mind i assumed everything was fine. 2…
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CCJ 4 months to go!!! what happens next?
Hi, I have a CCJ which is 68 months old, currently 4 months away from the 6 year clear My question is as I am looking at moving house next year is can creditors still see the past CCJ and am I doomed for life with high interest rates and shoddy lenders? Thanks in advance
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Keep being marked as Defaulted payment on my credit file
I was in dispute with Freeman's catalogue and stupidly didn't pay a few months. I now pay a company called MoorCroft every month to clear the balance. I've had payments set up with them which have paid for the last 6 months. My credit account is being marked as defaulted payment every month though regardless of the fact…
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Repayment conduct assessment question
Hi I was wondering if I could ask you guys who probably know more than me a quick question?? I have checked my Equifax credit report and my credit score is fair.... It used to be poor so things are looking up! Lol. Anyway, it's saying my repayment conduct assessment is poor even though I have had no 63 months since my last…
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Santander 123 credit card portal can't accept 2 different bank debit cards?
Hi Guys, I am astouded that they can't accept 2 cards to pay from. One is a yorkshire bank mastercard debit card and the other is a first direct visa debit card. They seem to even completely amiss a mastercard debit card from the drop down list and put solo and maestro as two separate things?? I simply do not know what to…
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late payments
A few days ago I got access to Noddle to review my credit file. I was shocked to see my score at 2/5. So posted a thread on here. Anyway, on further investigation I may have come across the reason why...... I had 3 cc that's I've finally paid off . So wanted to see how my credit file looked On looking I noticed a few red…
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How to persuade credit rating agencies I have no debt?
20 years ago I was travelling the world and bulit a debt with the Woolwich of £17, which I paid off (plus the penalty fees) maybe 15 years ago. This month I have applied for a loan at a High Street bank and this £17 debt is still on the record, and the bank(s) are refusing to offer me a loan. What advice can you give me,…
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My credit score went down in a Month!
5 weeks ago I had an Equifax credit rating of good. I applied for a personal loan today from my building society and was declined. I check my credit file and I have gone from good to fair! I have no idea why. I did get married recently and am in the process of changing my name & address over - could this have affected…
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Drydens, CCJ for old student loan
Hi all- thanks for looking...can someone help with this? I had a student loan back around 1996 (it was, I believe, the old 'mortgage' type). To cut a long story short, I had some personal difficulties and never paid it back. There was a CCJ against me on the defaulted loan which has since dropped off my credit history as…
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ex pat with a thin file (in fact no file).
Frist post :) In very brief, in 1998 I moved with work to the US for a year, long story short I stayed until June this year. OK now back in the the UK. I have owned my home since 99 when inherited it from my grandparents. I have no credit file in the UK FULL STOP. My UK bank is in the Isle of Man and does not report to any…
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Cabot Financial - Default Notice
I have a Barclaycard and I was struggling to maintain payments. In March 2010 I contacted Barclaycard asking them to assist me and we agreed a repayment plan of £10.76 a month. In December 2011 the account was sold to Cabot Financial and they agreed to honour the previous arrangement I had with Barclaycard. I've maintained…
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Think the Credit Agencies are unfair?
Hi there I have recently tried to keep on top of the information the credit agencies have on me and have found that despite paying off £15k's worth of credit card debt in July this year (:T), between the banks themselves (the debt providers) and the credit file people, my records have not been updated in 3 whole months,…
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No Of Accounts
HI Friends, I got 4 Current accounts for each have got one reason. I am banking more than 5 years with Barclay s which is the oldest of all. They have not given me an overdraft or a personal loan when needed. I got one Barclay card which has limit £ 2500 which I closed couple of months ago as I got another better credit…
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Credit File Query on contract
Hi All, I am just looking to see if anyone can put my mind at ease about stopping a sky contract i have had in my name for several years. I am due to cancel this month as my mum continued using it a few years back when i moved out and she has ensured me that it has been fully paid etc. Looking at my files in the last year…