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Equifax argh! No record of my council tax, b'band, gas, elec and water.
Has anyone else suffered absolute frustration when trying to deal with Equifax? The story - Applied for a new mobile phone contract with Virgin and was turned down, which was a shock. They told me to contact Equifax, who they use for their credit checking. This I did. I signed up for an account and was shocked to see I had…
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Having a bit of a nightmare with EE
Quick backstory, back in September I transferred from BT to EE mobile, everything seemed to go ok, but after a few days my number hadn't ported so I called EE and asked what was going on and it turns out the port date had been set at the absolute latest date possible, this of course meant that I would have both contracts…
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Disposable incoming assessed as low, but it isnt!
Hi Gang, Just got declined for a credit card which surprised me so i went on the credit club on here. Everything is 999 / fully green except Disposable income which is rated as red / very weak. How do they calculate this? 2 kids (one in school one nursery) I put 1k a month into our joint account to pay bills but thats…
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A soft search apperared on my file but not by me
It says Type - Credit quotation by Barclays group,. I've had a BC forward for about six months, do you know why they would do a soft search? Only thing I can think of is maybe a credit increase?
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Not showing on electoral roll
Tomorrow, we are making a mortgage application. I have just been on checkmyfile and I am only showing as on the electoral roll with one credit reference agency. Why would this be? We have just emailed the local council but had an email confirming we'd updated the electoral roll. I am worried this will mean the mortgage…
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Rebuilding credit with new or old card?
Hey guys I've just finished paying off my debt on credit cards. I could search and get new CC or could I use one that was in debt with payment plan with step change? This card never faulted but is same company as my mortgage. I was going to call the CC company and ask for new card but thought I'd asked here for some advice…
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Ccj thats not mine
Hi all, I am speaking on behalf of the mrs. She has got a ccj for a parking offence from 2017 that is not hers. Basically she has the same name of the offender other than middle names are different. Now I can not believe these credit companies don’t use date of birth and other simple facts to prove who it is. We have proof…
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Incorrect CCJs - compensation?
I had two CCJs incorrectly issued against me. The solicitors firm which was hired by the client to issue the CCJs did so using initials only. With no full names or date of birth available, both CCJs incorrectly went on my file simply because I shared those same initials. Anyway, this caused a devastating impact on my…
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Civil County Court hearing.
Hello I'm not sure if this is the correct forum for my question so I apologise in advance if not. I have had an initial hearing in small claims court and the court did not receive all of the evidence I submitted so I the court has given me more time to resend the evidence. My question is: can I submit new evidence for the…
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Refused new mobile/broadband contracts despite perfect credit score
Hi Guys, I'm trying to reduce my monthly costs, so have been using this site to locate good deals on broadband and mobile phone contracts. I have applied for a new broadband deal with Vodaphone, and a new mobile phone contract with iD mobile. Both were deals I found through the MSE site and were supposed to come with a…
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2019 Default by My Jar query
Hi all, it has been a while since I have been on here and nearing hopefully the final miles of paying off my debt! I have recently checked my Experian credit report and was extremely surprised to see a default noted against perch capital from Nov 2019. Perch took over a My Jar debt earlier this year and I have never…
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CIFAS Marker Removal?
i recently applied for a Premier account with Barclays to go with my Avios Plus card to get the Avios bonuses, Barclays have now decided to halt my application pending a “fraud” investigation and have now placed a CIFAS marker against me..!! I don’t understand what they have found in my application to be fraudulent and why…
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CCJ - Despite sending the claim back to Drydens
Hi, I am in big trouble, I would appreciate some advice, please. I used to have a debt management plan with StepChange, which I stopped as I had huge financial difficulties due to some personal circumstances. I got a letter from Drydens in September saying I will be taken to court for a debt of ~£5000. I was abroad, came…
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Security Clearance
Hi - new to MSE but have a question as I am going out of my mind with worry. As part of my job I now need an SC clearance and i have completed the forms, been totally honest about my financials etc - 4 defaults on credit file, in an IVA too, but no ccj's or bankruptcy., not good reading at all I have even phoned them to…
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Barclays still hold my details 14 years after bankruptcy
Hi all, hope this is the right forum to post In 2008 I was made bankrupt due to unfortunate circumstances with partner losing all his income. I have just applied and been confirmed for finance with Amazon through Barclays. When I rang them to confirm my phone details they said all my details were still linked to a Barclays…
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Low Income High Savings problem
Barclaycard have suddenly reduced the credit limit on my card to below my
normal monthly spend even though I have paid off my credit in full every month
for 10 years with no defaults ever. I rang Barclays
but they said they could not give me a specific cause for their decision so I
don’t know what issue to address. When I…
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New default - guess I’m screwed?
New default - guess I’m screwed? Hi, really upset. I’ve just been issued with a new default. I’m 29, and feel like I’m officially screwed. I honestly didn’t know I had defaulted or missed a payment until I called the credit card company to make a payment.I have had a lot going in my personal life in the last few months. Is…
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MSE Credit Club - Security
Hello FolksI signed up for the MSE Credit Club to obtain My Experian Credit Score and Report, which is an excellent service thank you MSE. Does this represent double the potential risk of being exposed to a data Breach though, ie. a potential risk of data breach at Experian and a potential risk of Data Breach at MSE Credit…
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big drop!
Hi, i had a 999 experian score, i took a new mortgage 4 months ago and a £13k personal loan, i also have £1500 on a credit card all with santander. My score has dropped to 722. My partner has recently done the same thing at the same time and hers is still 988. Why has mine dropped so much i haven't missed any payments etc
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Will opening a second current account harm my credit score?
I’ve been contemplating opening a second current account with Barclays to take advantage of their 5%+ linked savings account, as well as to eventually take advantage of switching bonuses. However, I’ve read conflicting information about how opening accounts can affect your credit rating. Just for context, I am… - In my…
