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Ending IVA Early..show soon to get credit
Afternoon all, I'm in discussions with my I.P regarding a full and final settlement. Has anyone got any experience with how soon you were able to get credit for a vehicle after ending your IVA either early or on time as planned?
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soft search history access for lenders
We all know there is hard & soft credit check as a search’s audit performed ln an individuals credit file by lenders . Hard searches are permanent markers and they are ‘shared’ by/for other lenders, while soft search history footprints are relatively new and the fact is, they do not affect credit score (which is contextual…
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Bank closing account in 60 days
Santander have said there has been some suspicious activity on our bank account which has been blocked and are closing it in 60 days, the suspicious activity is against my husband's bank card. Can I still use the bank account switching service and should we still be able to get a joint account?
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Husband's CIFAS marker
This discussion was created from comments split from: Husband's CIFAS marker.
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Financial association with ex partner on closed account
I see from the sticky that a bank account which defaulted and was closed will take 6 years to be removed from my credit file. The account in question is a joint account with the ex partner which had an overdraft balance of about £1500. It defaulted after I was made bankrupt in early 2019. I have no financial connection…
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Defaults - what happens after 6 years
Hello I'm sorry if this question has an obvious answer but after searching online I can't find a definitive answer. I have lots of defaults on around 8 credit cards - the balances of which have mostly been transferred to other agencies now. They all defaulted in around 2021 and I have been making token payments for a some…
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Closing down an old bank account
I have had a bank account for almost 10 years which I no longer use. I am inclined to close this down as I have several other accounts I use on a daily basis. The only thing that is holding me back is that Credit Karma says that closing down that account could have an impact on my credit score. I know well that is only a…
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Credit Protection Association Limited
Not sure if I am posting in the correct board so I apologise in advance if I am. My Dad received a letter today from the Credit Protection Association Limited bringing to our attention of a debt unpaid. No details of when the debt was from, just the name of the company and the amount. My Dad has dementia now and so I took…
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CCJ variation date of judgement reporting
Hi, In 2019 I defaulted on a credit card. It was sold to a debt collection agency in 2020. In 2020 a CCJ was issued for £8,500. I spoke to the debt collection agency in 2021 and was told the amount had been revised as the original creditor had overcharged interest. I did not engage with the debt collection agency and moved…
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CCJ, defendant moved address.
Hi all, Following placing an order with a UK based company for approx £1000 and never receiving goods, I made a county court claim against them. ( According to online reviews they have done this to multiple customers in the past) 10/24 Claim issued 12/24 Defendant changed address 01/25 County Court Judgement granted I have…
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Experian Subscription - NEED TO CONTACT EXPERIAN!
I have recently had multiple credits from Experian in to my credit card account. I seem to have been paying £14.99 a month to Experian for what I wrongly assumed was relating to my ClearScore account. Looking online I can see no link between an Experian subscription and the free ClearScore app. This is a big mistake on my…
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Can't login to Experian to stop subscription. How to contact them?
I can't login, which is strange because everything was securely noted and I'm just copy and pasting. I can't find a way to contact Experian. The subscription is for creditlock and reports which I can't access now. What if I cancel the credit card?
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100 point credit rating drop after new ee home brand and mobile phone upgrade
1st time poster here, and I'm at a loss. My credit score was 900+ somthing until I got my 2 teenage sons a long over due mobile phone upgrade a couple of months ago and trying to save a few quid switched broadband provider to ee as well. Now its dropped from 907 to 818 and as it is 742 was as high as 925 12 months ago. I…
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Defaults and partial settlements
Hi, I have a few debts that defaulted over 6 years ago and have therefore now dropped off my file recently. I have still been paying minimal payments towards these. If I was to offer a partial settlement on these debts would that then show on my credit file as partially settled? I am under the impression that since these…
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CCJ - Application to set aside - Court date set - Please any advise on what happens next
The claim was originally received by me on April 17th 2023 by post, however is was dated 31st March. I responded to the claim by email advising that the 7 days had already passed and asking for assistance in what I can do next as this was out of my control. I received a response on 12th June advising that my defence had…
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Using Credit Card to create/improve credit 'rating'
Daughter recently tried to get a car loan as hers unexpectedly broke (just after we had paid £800 for other repairs!) - the APR she was offered was high and we didn't go ahead with it following the initial 'soft quote'. Guessing it was high because aside from the a sim (£10) she has never had any other form of 'credit' or…
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Credit Score - BNPL
I am thinking to use Paypal Pay in 3 to split the cost evenly for an expensive purchase. Could buy now pay later impact my credit score even if all payments are on-time?
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Poor credit rating cycle
I’m in a cycle of passing loan /balance transfer checks checks in terms of affordability but not credit score. The reason is that I’m using over 90% of my balance on cards. Because of this I can’t seem to get approved to do a 0% balance transfer or loan to pay off. And I’m struggling to reduce the balance since the…
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octopus reported missed payment but not missed!
hi, so octopus had backed-billed me for 9 months as there was an issue with gas/ smart meter reporting. i usually pay bill every month by logging on and paying with debit card. when they back-billed me they added £1000 to my account which i could not pay in one go so spoke to them and paid this off over 3 months and i have…
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Credit Lock Experian
Hello Due to a data breach at my work I was offered Experian Plus free of charge. I had applied the credit lock to my account. It was offered for a year. This has now expired and I am not sure if the credit lock is automatically released or stays in place? I cannot access the account fully without applying for a free…
