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Arrangement but NO Arrangement
I admittedly was late on a few payments on my Santander credit card. I ran a credit report on three separate agencies and on two of them these late payments are showing as Arrangements. How can this be he case when I haven't not agreed anything with them. Interestingly on the third agency they just show as late payments.
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Identity theft advice - what now?
I've checked my credit report and there are a number of soft searches for insurance (presumably home insurance but could be other types with Admiral, Hastings and others) issued to my old home address (I couldn't redirect mail as it was a block of flats but I thought I'd changed everything over). I contacted Hastings and…
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Credit file - Employer details
Hi I work as a contractor under an umbrella company, recently applied for a credit card which was successful. In the application, I provided my employer details but instead of providing my umbrella company as employer, I gave the the company I work for as employer. Oversight as I didn't really think about it. Question is,…
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Part settlements
I am looking to part settle my credit card they have informed me it will remain on file for 6 years as part settled. Do this have an effect on obtaining more credit ie mortgage in future. Just want to add this has not defaulted at all just wanna to get it paid off
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Social tariff effects
Hi Can anyone advise what impact going onto a broadband or phone providers social tariff has? I want to save money each month but in doing that I definitely do not want to trash my credit scores that I've spent years improving. This padt year has changed everything. Thank you all.
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Is there a list of which agencies are used by various companies?
My credit record isn't great. I generally get a report from Clearscore each month, and a CCJ dropped off last month (for a Barclaycard that I never had). They show one defaulted card from 2019 (change of job etc. caused a few issues) that I'm paying back (although as there's no DD in place, and I'm just paying around the…
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CCJ Set aside - tuition fees
Hi All, I have had a good read over the forum for advice but I just want to make sure I am clear. Bit of a long story so I will keep brief or as brief as I can. I applied for a distant learning course through a university in March 2016. Due to my job I started at the same time I could not complete this course. Anyway they…
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New entry on clearscore credit report
H all - I have just been checking my credit report on clearscore thanks to the regular email and for the first time its says A credit agreement is being added to your report . On my clearscore report and entry says "Severn Trent has been added". Am I correct in thinking this is just because they are now sending data to…
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Illegal credit search resulted in large drop in credit score
Q: Is there anything I can do to bring my score to where it was prior to illegal credit search or would I have to rebuild? Context: I had a broadband company salesman lied to me that the search his company does will increase my credit score and it wouldn't leave a footprint. I later found this to be completely false. They…
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Bank Signatory Check
hi good morning i have recently been promoted as a Director to a limited company and the bank have asked for ID to undertake KYC checks (which are fine) and because i will have limited access to business bank accounts to approve payments etc. Will my previous poor credit history impact my ability to be a signatory? thanks…
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My Experian account is wrong and completely different MSE Club account
I've been intermittently checking my credit rating on Experian free account and it's been stuck at 752 for months despite me doing all the right things all my adult life when it comes to borrowing. Today I had a closer look and it said on Experian that I don't have any credit accounts, mortgages or loans on record. Which I…
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Building credit score - should I take out a new credit card?
Hi All I went through a period last year where I was using my overdraft with a high credit utilisation on my credit cards and so my credit rating took a hit because of this. Over the last few months I've been working to build it back up but I've hit a bit of a wall and the growth on my score has been slow. The top…
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Credit history
So I’m now 10 months away from my last ccj coming off my credit file which was settled last year. so come December provided I don’t mess things up will my history look in good shape? here is a picture of my history of payments. Have 5 credit cards some do carry balances but expecting them to be all cleared by June and no…
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Bank approved mortgage and declined -after audit
Wondering if someone can advise me on that, Barclays approved our mortgage on the 1st of November 2022 , we were happy and were busy shopping for new house stuff. we got an email which was forwarded by our broker that bank need our pay slips, statements and proof of deposit again and statements should show that deposit if…
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Credit Rating - Should I tell them?
Hi, I have 3 credit cards, two smaller ones (2k each) and a larger one. I've had the larger one 8k since about 1978 and use it most of the time. I always clear all cards each month by DD. Experian is only aware of the two smaller ones and continually sends me updates to check my score, almost always within a few points of…
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Should credit limit increase offers be accepted?
Would this help or hinder a credit score?
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Identity Theft Cifas
Someone has opened an account with JD Williams, but i have Cifas Protection, how has this happened and what can i do to stop this in future i thought Cifas would protect me their are also no hard searches on my file
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CCJ and Address on Credit report that isn't mine
Hi I would like some advice on a CCJ that is not mine on my credit report. Over a year ago I noticed on my credit report that there was another address added, this was listed as current address, telecoms bill, credit card and Thames water. I have never known to be at this address and do not know anyone that lives in that…
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Very Pay - worth it to save £100?
Not sure if this is the right place or not but I'll ask and see..! Basically it seems if you take out a "Very Pay" credit account you get 20% off. I'm looking for a new laptop, using this 20% off would save me £100 or so vs the cheapest alternative place, Argos or Amazon. I havec zero need for the credit, and I don't want…
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Having difficulty disputing a credit file error? Please help!
Hi, new here; I'll try to be concise. When I closed my previous Yorkshire Water account, I was required to provide details as to where I was moving (which I thought strange). This lead to Yorkshire Water passing my details on to the new Utility Company, and an account was automatically opened in my name. However this was a…
