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Help with credit file company refusing to alter report
I was declared bankrupt nearly 2 years ago and have since been trying to clear up my credit file. All of my debts have now been settled/satisfied with the exception of 1. This was the particular company when it all happened that were awful to deal with, the staff were rude and even nasty at times ringing everyday when I…
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Default but no credit agreement?
(note: I entered this in the wrong forum, so re-posting here) To cut a long story short, a legitimate debt, which has been bought a few times, now owned by Hoist has recently been settled. Hoist has entered this with the CRAs as a settled default. No default was present before this, but there is a CCJ, which was filed by…
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Disparity between Equifax and Experian need help!!
I have been using Credit expert for over a year now to manage my scores and generally keep on top of my credit history and all is well in that respect. Recently I have applied for a mortgage and was directed to Equifax as my mortgage was declined. Completely gob-smacked I tool the net and paid for an Equifax copy of my…
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Which Credit Cards Share 'Full Data' e.g. repayment amounts
Hi Folks, Which Credit Cards out there share 'full data' on your credit history. Full data includes the specific amount you repay i.e. whether you repay the minimum amount or full amount. Barclay-card and Capital One spring to mind. Thanks, Henry
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Full and Final Settlements and Credit Rating
My defaults will all clear off my credit file in 2016. In the mean time I've been working hard to pay off my debts, and have even been accept for a Captial One card with a £1000 limit, which I'm using for food shopping and repaying in full each month. Anyway, I have been offered a full and final settlement from one…
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Orange/EE are ruining my life with a default on my credit file!!
Back in 18th September 2013 I moved my banking from HSBC to the Nationwide building society. The nationwide we're handling the direct debit switching process. It turned out that my direct debit for Orange/EE never switched from HSBC to Nationwide as requested and in turn I missed 4 payments to my orange account. I only…
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multiple current accounts?
Hi i have 3 current accounts? and only use 1. Do they affect my credit score? I am not in credit on any of them
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Noddle Rating and HP
Hi, Hopefully someone can help, I apologise in advance if this has already been addressed. I logged on to Noddle to check my credit file for the first time, and my rating was 1/5. I have one default, however this was settled in July, and my electoral details are not showing on the report despite being updated in June. I…
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babysteps with my credit file
Hey all, Having had zero credit history, I've been using the forum advice and working on a plan to build slowly and gently, without smacking too many searches on my file. Progress so far: Electoral Roll: Registered. BT Broadband, TV and landline: Credit check passed. RBS Basic Bank Account: Declined. No credit search made.…
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DECENT CREDIT Struggling for Mortgage _ Debt Management
Hi Guys, I wonder if somebody could help me. 4 years ago i was 18k in debt and went to debt management to clear it, Managed to clear it in just in under 2 years. Which was 4 years ago. I check my credit every few weeks as i have been working on building my credit, Not missed a payment for direct debits or go overdrawn (not…
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Haven't paid electricity in my shop for 2 years!!!
oh good lord... there was an agreement with my landlord to pay the electricity... it was only for the first 3 months... I forgot all about it and now must owe thousands. should I contact the electricity supplier, or do they contact me? is there any chance they have forgotten me?! thank you poppy
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Why should I pay my debts?
I know this may sound like quite an idiotic question, however hear me out... I've recently taken a look at my credit score, which isn't too great, however not terrible! There are a few defaults on open accounts, with the last due to be removed May 2019. I haven't been in touch with any of these creditors since the accounts…
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Help! Vicious circle trying to get credit history...
I was wondering if anybody has any advice: I had trouble getting a credit card last year due to the fact I had no credit history. So I applied for a credit repair card, which was rejected, however I appealed and was given a £250 limit. I have been using this and paying it off, in full, for a year now in order to boost my…
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Marriage and financial links help....
Morning all; Although my new husband and I won't be linking ourselves financially through any joint accounts (I am keen to keep this area of our lives completely separate because we both have different attitudes to money), will a joint utility bill create a link between us? Ive just been added to the council tax and water…
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Why is my credit rating 'Excellent'?
I have 5 defaults from 2011 all showing clear as day on my Credit Report yet my score is 988 (Excellent). How can this be? I checked my rating as we'd like to move to a bigger house (another baby on the way) and thought my rating would be terrible. I'm guessing a mortgage provider would check further down the report than…
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Credit Score is High, Will I Get The Credit?
Hi, I have previously defaulted on two credit accounts, however, for nearly 3 years I have made consistent and regular payments bringing the total owed to both lower than £900 and my Experien credit score currently sits at 976 (has done consistently for 3 months now) We are considering new sofas from Sofaworks, this will…
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Electoral Roll
Hi all Just checked my Equifax after moving property back in June. My electoral roll was added as of August and says I'm on at my current property but it is still flagged as red. Why would this be? I'm really after a new credit card but this is preventing me. Thanks.
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Credit files question
Hi I have just viewed my credit file with check my file and noticed that my default which is due to come of file in 2017 is marked with 2 boxes next to it with the letters ca and eq which are obviously the credit agencies. However, my CCJ has the above two and ex next to it. Does this mean that experience do not hold my…
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Experian Manual Update Filter Through
Hi there, I have contacted a company who made an error on my report and have sent all of the credit reference agencies a "Manual Update" to my file, does anyone know how long this takes to go through and appear on the file? The mortgage company I will be using, use Experian and I have a subscription with them, so can view…
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cant get credit report
I am getting rather frustrated with these credit systems. I want to check my credit report but i need a bank account. I cant get a bank account because i have no credit or bad credit, how am i supposed to improve or rebuild my credit if i cant even get a simple uk bank account. I have to do everything in cash n use other…