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Error on Electoral Register and Credit Report
I really hope someone can help me with a problem I am having with my local council and credit file. Back in November I had two friends come to live with me in my house that I currently own and have a mortgage on. I registered both friends with the local authority council tax, as I had previously had single person…
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Bank Accounts
If I have 10 Cash Card Accounts with Barclays should they show up on my credit file even though they don't have to do a credit check when you open them?
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Need help repairing credit report
I was 18 and stupid. I took out multiple phone contracts, credit cards, media accounts and when I got bored of them I stopped paying. I went through a dark period where I lost my job and and my ability to pay pretty much any bill for 18 months. Now, several years later, I'm better off, level headed with a well paid job and…
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Mystery 'Court Order' not Showing on Credit Reports(?)
Hello all, After checking my most recent payslip, I noticed that I am having money deducted for a 'Court Order'. I have no idea what this relates to and, as far as I am aware, only owe money on one fairly modest credit card and my agreed overdraft (both under control and regularly paid into). I have not received any…
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Impeccable credit record – can’t get credit
Can anyone help? I am at a loss as to what I do next! My mortgage is currently with Nram and the rates are pretty high! I’ve been with them for 8 years and never missed a payment – i actually over pay by £250 a month. I am looking for a new mortgage and the loan to value on the property will be 68%. My problem is that my…
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Experian Credit Report - Anyone else had this?
After receiving notification from MBNA that they were increasing my limit from £2.4k to £4.1k, I decided to check my credit file to see if they had carried out a search. I don't know if that is something they do or not so thought it worth checking out. When I signed into Experian via Protect my ID (which I get free), I…
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Calls from Westcot - should I ignore?
Good morning I have suddenly started getting phone messages from a Company called Westcot asking me to call them - they state my name and a reference number. They arre apparently a debt collection agency - yet I am completely debt free and up to date with all bills - my credit rating is listed as excellent. I have had…
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electoral and banking addresses
I have a slight conundrum over what to do with my registered bank address. I have never changed it from my parents house because I go back frequently, can still be traced there and I have been in house shares etc. Since April I have rented a flat with my boyfriend and while I have updated my electoral address, I have left…
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Close Credit Card Accounts?
Due to some credit problems in the past I took out and used credit cards with Vanquis, Capital One, Aqua & Barclaycard Initial which are all really high interest rate wise. My credit scores are now much better and I took out a personal loan with Nat West and cleared all the credit card balances and am paying off the debt…
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Dispute from 2008 stopping us getting mortgage! advise needed!
hi there! since the banks have been looking into peoples lives much deeper to see if you can have a mortgage myself and my partner have been refused a mortgage. ive checked with equifax and the only 'bad thing' is from a barclays bank account from 2008! however i never closed the account till Nov 2009! it shows on my file…
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declined mobile phone contract. 100% perfect credit score?
Hi Ive just applied for a ee mobile phone contract in car phone warehouse. This was declined twice. I couldn't understand this as never had credit issues before, never missed any payments, They offered me to try vodaphone and got accepted straight away. When I got home I called ee to find out why and was advised there has…
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H&m - an credit agreement i never agreed to!! Help please!!
PLEASE HELP! I placed an order with H&M in 2011 November which I paid by card, half of the goods got delivered in December and the amount was taken out from account but the rest got delivered in January - I then placed another order in January - - but nearly a year later i got chased by Gothia claiming I owed them money -…
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Default from 2009 that I wasn't aware of.
Hi, I wonder if someone can confirm some things for me please? I've just signed up to Noddle and checked my financial information page to discover a default from 12/01/2009 that I wasn't even aware of. Prior to that the Nov and Dec are shown as OK but the Oct and Sep are AA. I believe that I had been a couple of days late…
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Default Notice?
Hi, hopefully someone can help me out here. My car insurance DD bounced last Tuesday as I hadn't moved money into my bills account on time (I'm usually so careful!). I noticed the payment had been returned on Thursday and immediately called my insurers to tell them I had the money available and was told not to worry they…
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credit rating for EU immigrant
Can anyone give any advice on building a strong credit rating if you are new to the UK and have no credit. I have searched all over the MSE site and across the internet and all the advice assumes you have a credit history albeit good or bad. But what if you don't have any credit history at all? Some info to work from. My…
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Will an old IVA affect my job application?
hi there i applied online for a job as a provident agent, in the application form i thought it said 'do you have any criminal record, bankrupty, IVA etc etc' so i clicked 'no' as our IVA finished in 2012. But after sitting in an interview and basically being told in a round about way i had the job i was aksed for my…
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Link Financial (MBNA Card)
Hi All, I had a letter from Link Financial about someone trying to get credit in my name, I checked on here and read through a few threads and filed it in the bin as suggested. Today I had a call from them, I had a CC with MBNA which defaulted in August 2007 (now statute barred and off my credit file as I checked my…
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MBNA/Max Recovery Duplicate
Hi folks Can someone tell me please if it is common practice when debts have been sold on to DCAs that the original lender, in this instance MBNA, can record the default on your credit file aswell as the DCA, Max Rec, recording it also. I went BR in 2011 and the entry from MBNA has popped up recently, Max Rec has always…
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Search from 'debt collector'
Just used checkmyfile to do the monthly recce of my credit fille and in the list of searches alongside the insurance ones I recently made for the car, there are 4 searches last month just listed as 'debt collector'. Can lenders see these? Do they have an effect the as a credit search on your file? What is it all about?
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DM marker as bad as an AR marker?
I have been advised by MBNA that a Debt Management marker on my credit file is just as bad as an AR marker. i.e. the DM marker will also remain on my credit file for 6 years following the settlement of the debt. Can anyone confirm if this is correct? To give some background to this, my MBNA debt was part of my payplan debt…