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Defaults
Hi all, Are defaults seen as bad as CCJ's to possible lenders? I have one default left on my file due to drop off in March so looking forward to that! My mind says defualts shouldnt be as punishing as CCJ's but then I would say that after getting myself in a financial pickle a few yrs back. Once it drops off and as long as…
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Do different surnames matter?
Quick question, does having accounts in different names, (married and maiden) affect your credit score/ worthiness? It's such a pain to change everything but if makes a difference I will.
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After rejects how long?
I've just been rejected for a phone contract. I checked my credit score in August and it was good, since then I've got a car on finance and a credit card. So I am guessing I was rejected because I've got quite a bit of credit in a sort space of time. I have just finished uni it was nursing so I have a comparatively small…
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Missing CC on credit report
I check my credit report monthly via Noddle. This months report is omitting a defaulted debt from a Halifax CC. It's usually there every month but for some reason has vanished. I was in arrears from 2009, It was defaulted in 2012 and sold off to Cabot/Apex. There's an outstanding balance of £5500 and I've been making…
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Going on a DMP... Should I maintain One Credit Card?
I have fought long and hard to try and keep our heads above water but I have come to the realisation that my wife and I cannot continue to struggle the way we have been doing. So, we have made the decision to start a DMP and have spoken to StepChange who suggested a token payment plan. Now, I know doing this is going to…
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Want Money Back From Experian?
Ever took out the Experian BRS on line credit report membership(14.99)?In this is the identify fraud expenses insurance, to which they make you have, want your money back? SIMPLE – call to complain about the insurance and you want a refund, if they say no, don’t hang up ask for “customer relations” and tell them that you…
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Arrangement to pay, but no arrangement ?
Hi there, me again banging on about arrangement to pay markers! I've just been looking at my Halifax cc statements from when I was in my DMP. They never froze interest, but withdrew the credit facity ie I couldn't use the card. After a few years of payments my DMP offer met the minimum payment, with interest, and was made…
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credit searches on credit report...
Im a little confused.... I went on gocompare or one of the other comparison sites for car insurance. As I know a lot of companies on there can do soft or hard footprint searches I entered Mr AAA AAA on there with a date of birth a day or 2 different from mine. Just checked noddle and there is countless searches. How can…
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Virgin media ruined my credit report and life
Hello First of all sorry if this is in the wrong place Okay to the point, last October we moved house but unfortunately this area doesn't support virgin media. I informed virgin media I was moving and gave them my new address so that was okay they said they would be in touch to collect the equipment. It appears that have…
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Noddle 1/5
Finally got accepted by Noddle. Very interesting. Problem is my credit score if 1/5. This is completely my fault in defaulting on a couple of accounts, but I have brought all other accounts up to date, pay my contract phone bill in full every month. Is it just a matter of time before this goes up? I tried getting one of…
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Closed Credit Cards
Morning all Just a couple of quick questions; I have cancelled one credit card two months ago, and cancelled another last month. How long will these remain on my Noddle credit report? I am now left with two credit cards, combined limit of £5.5k, I hardly touch one (just for the annual holiday as it has a credit limit of…
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Pre-Arranged Late Payment
Hi, I have two credit cards (Barclaycard and Tesco) which I have always kept up to date with. Recently I started a new job which took me from monthly to weekly pay and in order to better budget I asked them if I could delay the payments by 4 days which they agreed to. What both companies also said, is that because the DD…
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One debt, 2 defaults HELP...
I wonder if anyone can advise me on this. I recently ordered my credit file and found the below. I have 2 defaults for the same debt on my report:mad::mad:. I don think this is right. How can I have them removed? Are barclays allowed to sell my debt on? I have moved around a bit and cant remember if I told them I have…
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I need to get a credit report, dont have a bank card
Hi All I am currently £30k in debt and have been for 3 years. I finally contacted step change debt charity yesterday and have an appointment with an adviser in 2 weeks. I need to get credit report's ready for my appointment, however I cannot obtain any of these free credit report's I need to input my bank card details so…
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Can a debt collection agency reapply a 6 year old loan to my credit report?
I counter signed a secured loan for a family member in 2008 with Blackhorse. The loan fell off my credit report in July of this year as it was over 6 years old. Blackhorse sold the loan to Hillisden security, who have now reapplied the debt onto my credit file!! By law can the same debt be applied to my credit file twice?…
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Paid a fortune for Experian credit score - now free???
Hi there I have looked through the threads but haven't found what I'm looking for. I do apologies if I've overlooked something and have created a duplicate thread... A few years ago I decided to make a conscious effort in improving mine and my husband's credit scores. I set up a little spreadsheet and monitored our…
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Experian Credit Report VISA Card Details
Have you ever completed the membership activation page and not received youPIN Number? Well you are entitled to a full refund if you call the cancelation line,more importantly a member of staff has been caught entering your membership page, entering their own card details and processing your refund to their owncard and…
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Unpaid Mobile Contract - Pls Advice
I was in UK for about 4 years as a student and left the UK in 2008 as my visa expired. When leaving I took a several mobile phones and laptops on contract basis to give them as gifts to my friends and relatives. I did not pay a single installment. (I am very disappointing about this now and I had not money left at that…
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Santander closing my account through THEIR ERROR
Greetings. Long time reader and first time poster here. As you may have noticed from the title, Santander have decided to close my account due to an error they made more than four years ago. A bit of background first - I defaulted on £100 in my Santander account back in 2010 which was settled after around 3 months. I have…
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Electoral Role Red on my Credit Report
Hi everyone, Im after a little help on this. I checked my credit score a couple of weeks ago (£2 statutory report) as was curious. had a bit of debt problems in the previous years and starting to now get back on my feet. I decided to check my report and all showing green which was great but there was only the Electoral…