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HSBC CIFAS NIGHTMARE
I applied for an account with HSBC which was declined after submitting the application. I didn't think much of it as I don't have much credit history and applied with Metro& Lloyds both of which accepted my application providing ID checks. I submitted the ID online and received all bit such as cards etc. I set up all…
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Denied credit - mortgage?
Tried to purchase a sofa yesterday with Divideby (spread the cost over 12 months interest free) and was informed I was denied the credit. I have a good credit score, no missed payments, etc. I have however, purchased my own house last month so I now have a mortgage and proof of living in that house for one month (they…
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Applying for mortgage with previous defaults
Hi, I am looking to apply for a mortgage with my partner on a right to buy property, so we will be getting a significant discount which will stand in place as our deposit. My partner has an excellent credit score and I have a good credit score. However, I have two defaults: one in 2017 for £1000 on a credit card, and £400…
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Can't login to Credit Club
I've been a member of Credit Club for about three years, got the monthly email today and tried to login to see the latest report, I get the message below on stage 3 of the login process: > Verification Pending > Thank you for your application to Credit Club, we need to do some further checks to confirm your identity. Is…
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Incorrect Default dates
Hi all,I was in serious financial difficulty in early 2016 and went with Stepchange and a debt management plan where i paid reduced payments much less than my contracted payments.Most of my creditors placed defaults on my credit file as early as March and as late as November 2016. However, two failed to record defaults…
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Debt collection agency ignoring my emails, claims I've defaulted
Hi all, I'm hoping someone can advise. I'm at my wits end. A debt collection agency emailed me back in May asking for me to send a financial statement and set up a payment plan with them. This was no surprise to me, I owe the money and had spoken with the company so I (and they) were fully aware it would be going down this…
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Stoozing vs remortgaging
Hello, I was reading into Stoozing, and that you better not do it if you've got a mortgage application coming up. But what about remortgaging? Most people have a 2 year fix so every 2 years a remortgage usually happens. A stoozing generally lasts at least 2 years, so will it impact your remortgage? Thanks!
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Loan v Maxed out card
I had maxed out my card on 0%, which before the end I had not cleared so got a loan at 5.9%, my report is yet to show the loan, but it says low score as high card usage, now the card is clear, will this help my score?
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Why does my credit score keep dropping?
I need a get a new car, selling my old one won't give me enough to buy a new car (I have 2 young children with big carseats so most cars under £5000 are either not big enough or they're very old and may be more likely to have problems) so I'd need to get finance. Problem is, my credit score is dropping and I don't know…
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Incoming Cifas marker in a panic
Hello I am in a bit of panic this morning as I just got an email from clearscore saying a change income tomorrow on my credit report. On checking I saw this on clear score CIFAS added - Product Code PCCCName 2Type of CIFAS Record VM2Fraud Date 12-10-2022 Now i understand what Cifas is protection against fraud but all my…
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Credit ratings dropped since paying off mortgage!
Hi, can anyone help please? I’ve managed to pay off my mortgage last June. I also own outright another house where I live. I’ve had to reapply/apply for a new credit card due to the change over of bank (from HSBC to NewDay) for the John Lewis partnership card. I have a credit limit of £6k and is always paid in full each…
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Klarna 'missed' payments, their error
Firstly we had a offer on a house 2 weeks ago Today accepted. I've been keeping upto date with my credit file via Equifax. Well last Friday I found out that Klarna had me marked as missed payments in Jan, Feb and March. But my payments in Dec, April and May were fine. So I go onto chat and they see no missed payments on my…
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Default added illegally???
Ok I need some serious advice here please as this is causing me so much stress and upset. I work for o2 (important note as I wouldn’t stop paying an account for the company i work for) I took an iPad out on contract over 3 years and as far I was aware paid it off in full. I contacted customer services to advise them I…
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Defaults dropping off credit reference agencies
Hello all, I am just posting this onto this forum incase anyone else ever wanted to know the answer. I had one default on my credit report from the 1st October 2016, and i was eager for this to fall off straight away, as you can imagine it was preventing me to get the best high street credit cards. Just so you know, i…
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I got scammed and then got a CIFAS marker
I’m a 20 year old student working currently on an industry placement year between 2nd and 3rd year Uni. About a month ago I was in a pub near a train station and was approached by a man who said his wallet had been stolen and needed money to get the train back to London from Birmingham. He asked for my bank details so his…
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Having multiple Credit cards vs credit file
Hi… I have 4 credit cards, from 4 different providers. But I am mainly using two of them only. I was reluctant to close the other two as they come with good borrowing amount. Although I wouldn’t use their allowance as the first two are suitable for my needs and affordability for now, I was wondering if keeping them is…
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How long does it take for a default to show up?
If someone has missed minimum payments for three months then is it unusual that they still haven’t reported default on file?
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Identity theft
I’m hoping someone may be able to give advice or has experience of this and knows what we need to do at this point because I’m desperate. This may not be the right place for it but I don’t know where else to go. My partners identity has been stolen and is being used to open businesses in his name, making him director,…
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How do I contact Experian?
I've been trying for years to get access to my online Experian account. Every since I first tried, I received the same message "Sorry, we couldn’t confirm your identity" I've tried emailing, writing them a letter, requesting my statutory credit report (in the hope it would trigger something) - nothing has helped. Any…
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Mobile phone providers not carrying out proper id checks creating fraud and identity theft
I am trying to highlight what has happened to my famly namely my younger son. We started getting letters to our home address in March 2022 in our correct address but first name same as my third son but surname started with a different letter. This letter was from Vodafone and someone unknown had taken out a phone contract…
