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Probably asking stupid questions
Hi, So I've recently started looking at my finances, credit reports etc as I have a lot planned over the next few years. Shame it's taken me this long to actively take control! However, with the credit report, I am struggling to understand what is good and what isn't. I have 2 defaults which I know are bad but are due to…
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eBay credit file??
Hey guys I've got a little dispute with eBay which I want resolving first. However I owe them some fees for listing. Very small amount. I've said to them resolve my problem first then ill make a payment. Howwver they've passed it on to debt collectors. I'm afraid I may get a bad credit file because of it. Could they mark…
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Default on credit report & mortgage
In c2005.6 i had a default recorded on my file for a loan I had. That has now come off my file given the time, but i was wondering (as I am applying for a morgage soon) whether an underwriter could still see see this?
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Default removal date
Hi, If my first default date is 14/5/2009, am I right in thinking that the default will drop off in May 2015? This is based on when the first default is listed and not when the missed payments started right? How long does it take for it to be officially removed from your credit report?
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What looks best on credit file?
Between my husband and myself we have 2 car loans, a credit card with a £1600 balance (£5000 limit) another credit card which has an available of £6000 but no balance as we do not use it. The only other credit apart from our mortgage is his phone on O2 refresh which has just started and the phone plan stands at £690…
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Rejected by "first direct"
I recently applied for the above, to be honest to take advantage of their regular savings account. I was rejected and have just received a letter saying "you did not meet our opening criteria....because it did not meet the required credit score", later the letter states that it is confidential so no further information can…
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Struggling to obtain a credit report. Difficult situation
Hi All I am currently trying to obtain a credit report for an appointment with STEPCHANGE DEBT CHARITY. However I am finding this seemingly impossible for the following reasons: A) I do not have a bank account and therefore must request a postal order B) My mom has recently moved house. At her old address I used to get 100…
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Credit check with Estate Agent
Hi, I am looking to rent a property within the next 6 months but only have a credit score of 563. How much of a credit check do they do? Will I be refused? I tried to open a bank account (A second one for my bills) but was only offered a cash+ card. Does this mean I won't be able to rent if I can't even get a second bank…
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What date will the CCJ drop off?
Morning all, I have a CCJ with a date of 19/11/2008 and I was wondering whether this will drop off my file tomorrow or on the 20th? Thanks for your help.
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Introduction of MODA and impact on previous PDL's on Credit Report
i wanted to check what other people thought about the introduction of MODA by CallCredit? All new short term loan products will be reported for 50 days only in the new section, but what about old loans reported under the previous rules? Surely this puts somebody with a PDL pre-MODA that stays current for 6 years at a…
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credit rating association with ex
Hi, I'm wondering If anyone has the answer to this; My husband checked his credit rating last night and found he is associated with his ex girlfriend credit. It looks like a loan dating back 7 years ago it had fell in arrears for 10 months. My husband can not remember if he was guarantor or named on the load or joint? We…
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credit file
i have no ccg's on my file and nothing else but have very poor rating it say's this because of time at address but i have lived at same address for 8 years how can i improve my rating
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Employment credit check
Does anyone know what will show on an employee credit check. I'm looking for a new job but I've found a lot of employers want to do a soft check. I have a really bad credit rating and am worried this will affect my chances. Thanks in advance
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Lost my job recently. Cant afford to pay imminent CCJ
Hi guys. About 5-6 months ago i was told that i may face a CCJ. Nothing was said for a while (no paperwork sent to me) and i thought (naïvely) that it may have been forgotten about. Well today i was told that the case will be going to mediation in a few weeks. The other week i was let go from my job and now i am quite…
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Should I be concerned?
In August I started to receive letters at my address for a person that didn't live here and never had. The letters were from Liverpool Victoria (LVE) and one from another company. Both were relating to an insurance claim. Initially I dismissed these letters as a mistake. A week or two later more letters arrived from the…
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Credit card providers not updating file?
Hi all, Just wondered whether anyone knows how often card providers (in this case NatWest and Barclaycard) update their clients credit files? My husband paid off £9000 in October, from two Barclaycard accounts he had, and then transferred £9000 from his NatWest credit card on to a 0% deal with his MBNA card, which has…
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Advice Needed
Hello, I turned 18 5 months ago and have been trying to build up my credit file. I currently have: Nationwide - £600 overdraft - Balance - £0 A Barclaycard Initial - £250 limit - open 4 months - Balance £0 A Aqua Advance - £100 limit - open 4 months - Balance £0 Next Directory - £1000 limit - open 5 months - Balance £0…
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Increasing score & few questions
Hi, I have finally got registered onto Experian to manage my credit. 20 years old and just finished Uni. You have no successfully settled credit accountYou have revolving credit that has been open for less than 10 months.The age of your accounts indicates lenders are likely to view you as higher risk Above are the three…
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Old capquest default fell off too soon...
Hi guys. I've noticed an old default (2012) has fallen off my credit report. Although I have paid in full a while ago I know it stays on for ) years.. I still have another default from them on there for something else.. I'm unsure why it would fall off now. I have recently changed address but have updated the electoral…
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resolving bad credit to get a mortgage
So in 2012 I got into a little bit of debt, which I was struggling to repay, being young and depressed about the spiralling debt, I thought I would try and use payday loans to manage it... BIG mistake!!! (duh!) Anyways, with the help of my bf, the debt is almost cleared, albeit with a few defaults along the way. He is…