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Closing O2 mobile contract and credit score impact
Hi, Opening a contract impacts the credit score. How about closing a contract? I'm out of the fixed contract with O2. I'd like to close my current running O2 contract and go with the MSE Blagged sim-only no-contract deal. What's the impact, if any? Thanks
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Alternative Equifax Report
My clearscore report has removed all my accounts (loans and credit cards) so was wondering if anyone knew a reliable free credit report which uses Equifax, so I can see if its a clearscore issue or Equifax issue? Thanks
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Decree affecting Credit score, can it be removed Scotland
Hi all. Looking for some advice on behalf of a friend please. Scenario Student Loans company overpaid them by £505 in 2019. Company claims it sent notification of this overpayment in January 2020 (friend never received this). Company have not documented any further correspondence until February 2024 which again wasn't…
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Credit Associations
My credit report is showing associations with my partner on a mortgage account that has been paid off 5 years ago. They will not remove my association with my partner. He has bad credit and it is impacting my ability to borrow money. I don't have any other joint accounts with him. Help!!!
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Is a 7 year penalty for a single missed payment massively disproportionate?
I have just written to my MP about this issue. Thoughts from the board appreciated. 7 years is along time for one's life to be affected by a single missed payment. "Dear Mr. Rankin, I am writing to express my concerns regarding the current system of reporting missed payments on consumer credit files, which I believe is…
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Default explanation regarding the legal process
Hi From what I can see / understand a default notice on a credit report can only be wiped if 1) The 6 years are up 2) You can show it was a mistake I am correct regarding this ? I ask as 2 weeks ago there was a default notice on my file / now it has gone I received a letter saying a company had brought this ( brought is…
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ERUDIO student loans help
HI, My student loan has recently been sold to erudio student loans company. I currently defer my loan as I am below the salary threshold to pay it back. The letter states that erudio will supply details of my loan to credit rating agencies, something that has never been done before. There have never been any details of my…
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Hard Credit Check HELP! BT ‘Error’
Hey All! I’m hoping there’s someone to help. So, last Friday I was on BTs website attempting to make an order for their broadband. I got through over half of the transaction and I did get just beyond the part where it asked for my direct debit details. Once beyond this point, however, the website crashed and would not…
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Experian
My free Experian credit score is incorrect. My Experian score has gone from 999 to 940? Experian says I've got a loan of £4031.00. I do not have any loans and my credit is paid in full monthly approximately £600. Experian tel me I need to sign up and pay monthly to find out what the £4031.00 loan is. How can I find out…
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Nearing 6 Years of DMP
Hi I entered into a debt management plan December 2018 for a debt which was a loan for over £20,000. I have each month via Step Change been paying the smallest amount off that loan and I believe we’re now at circa £12,000 of outstanding debt, as the account defaulted December 2018 and I have been paying the minimum amount…
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British Gas phantom account
I moved out of my previous address in November 2022 and closed my British Gas account. I sent date stamped pictures of the meter readings when I moved out and received confirmation it was closed and a refund of the credit I had with them. My new address has Octopus as a supplier and British Gas has never been the supplier…
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Error in missed payment
I pay my credit card, usually in full, every month on payday (the 28th) which is also the date my credit card statement comes out. Last month was no different, I check the statement is out and pay it. When I went to check this month it stated I had a late payment charge on the account. I checked and I had paid on the 28th,…
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Credit address
Pardon me as I attempt to word this correctly. I stay in a four in a block. On my credit check it regularly tells me that im not on electoral roll but i recently voted however the address is different. For the purposes of internet stalkers i stay at 18a and always use my address as 18a but on some, like register of…
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DD reversal (in error?) causing late payment - no marker yet
Will try and keep this short as I’m in tears with frustration right now. 4 years ago I took a loan with AA (bank of Ireland) only two payments remain. Never missed never late. In fact I’ve never had a late payment for anything ever! This months was due 25th May and as per their t and cs that meant it came out on 28th May…
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Capita Data Breach
HI, I have been subject to the data breach but I was an employee, so a huge amount of data has bene exposed. Is anyone else in the same position? The no win-no fee solicitors are rather 'vulture-like' has anyone engaged with Capita directly on this? Thank you
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Credit score dropped - how long?
Hi everyone, just wondered if someone could advise who has gone through the same. My credit score isn't great, it was just in the "Fair" band. I have just completed on a house purchase and needed a £5000 loan to cover moving costs/new boiler etc. I was successful, but the application for credit made my score drop about 50…
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2 purchases fallen through after mortgage offers issued
We have to option to move in with family to secure the sale of our property as we have done really well with the equity, however, will the fact we now have 2 hard searches prevent any future mortgage offers? we wouldn't want to get stuck with our family long term. Our credit files are pretty well kept otherwise
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New current account without credit check
Is it possible to get a current account without a credit check please? In the past I've been doing current account switches with old accounts. I need at least one more current account, is there a way to get one without a credit check please?
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My name and address has been stolen to setup a fraudulent Laybuy account,
Hi all. I am being chased by a debt recovery firm over a £320 debt made with Laybuy. I have never heard of Laybuy until this summons came through, never used them, never used their app, but says I have an account with them which was setup on November 26th 2023. The thief has made 4 separate orders from that date, and the…
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Default, or not?
Just looking at a credit report generated via ClearScore and there's a default reported by Cabot. However, there's been an arrangement to pay in place for six months and all payments have been made in connection with it. Is it normal for this still to be flagged as 'default'? Thanks.