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Equifax
I'll try to keep this as short as possible. I recently got declined for a small interest free credit plan that I can easily afford. After some digging I found out that in 2016 someone with my name & date of birth took out a BT phone plan. After making a couple of payments they defaulted on it in 2017, & in 2018 BT sold the…
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Removing past/linked address from credit report
Hi, A friend is hoping to rent a room in a privately rented flat. The landlord will perform a credit check with Equifax to assess my friend's suitability for the room. However, my friend has (without the landlord's consent) already been subletting a room in that property for a while, and has registered her bank and…
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Closing the oldest CC account?
Hi guys, so I've had the barclaycard forward roughly two years, now I want the Rewards card and they can upgrade it but my credit limit is still very low at £400 and will stay the same after trying twice for an increase. It would be a lot more beneficial to have 1K-1.5 limit, I utilize 40-60% and always pay in full by DD.…
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Unauthorised hard search
Hello, Checking my credit report, I have a hard search by an old house insurance company. I had a policy with them and paid monthly. I cancelled with them and went to another provider however the same company after I have cancelled has conducted a hard search. I have made a complaint to the company about this, however they…
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Credit report shows CC balance but paid off every month
Hello, Don’t know if anyone could give me a little advice, I have an AMEX card that I spend on and pay off every month, I always go on and pay the full balance, just before my DD date and my balance will go to £0. I always pay it, however subsequently spend back on the card as that is how I use the card (Get all that Amex…
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CCJ help
I was issued a CCJ just over 6 years ago that has just dropped off my credit file and I need to find the case number. The reason is because I was also issued another 2 CCJ’S (one in 2018 and the other in 2020). They are both from the original debt (the debt was purchased by Azzuro associates who then sold it to…
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Debt aged 17 years
I have today out of the blue received a letter from a debt recovery agency for a defaulted overdraft from 2005 - 17 years ago. Am I right in thinking there is no legal action they can take as the debt is statute barred. I have had no communication with them since 2005. I now own my own home and am worried that they will…
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Loan appeared on ClearScore
Hi All, A new address and a new loan with Sainsbury's bank, £25k, so not insignificant has appeared on my ClearScore report. How would I go about investigating this? It's obviously not mine. Thanks
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Credit Searches show old address
Hello, Strange one this, when I look at some of my hard and soft searches on a credit reporting app, say clear score, It shows my very old address as the searched address. This is my parents address that I have not been at now for some 8 years. I have not entered this account in any searches online but ASDA and EE have…
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Mortimer Clarke ccj?
Hi, Apologies if this is on the wrong board !!! My dad died back in May this year and my mum is'nt capable of dealing with financial matters, especially as she is now on end of life care in hospital herself. I got a letter at the weekend in both there names sating that mortimer clarke were dealing with a debt for which…
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Alternative to Electoral Roll?
Hi, Being a USA citizen living in Northern Ireland with my Irish-citizen husband means that he is on the electoral roll and I am not eligible to be. This means that when he and I both apply for the same credit card with the same income, he gets a credit limit of £1600 and I get £800 (at best). We are looking to buy a house…
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Bulb Energy Scam
Bulb sent me a final bill at my new Property in September as I had joined BG and, did not want to be with Bulb. I paid the amount by cheque and my Bank confirmed Bulb cashed it on 15th Sept 2022 and, they provide with paper proof that this amount has been paid to Bulb Energy. Bulb continue to chase me for this small amount…
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Joined ClearScore and clicked a 'See what credit cards youre eligible for', was this a hard search?
As per title, I joined ClearScore as I'm trying to get an idea of credit ratings. On the dashboard there was a button to 'Check what credit cards you could be eligible for' which I clicked, not even because I'm right here and now wanting to open a credit card but more just out of curiosity. Now I'm paranoid I've done a…
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Cifas Protection
Hi does Cifas Protection stay on your credit file after two years or do you have to pay £25 every two years, unsure about this (currently a victim of Identity Fraud
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Getting a CCJ removed
I recently received notification of a claim against me relating to a parking ticket from 2018. Long story - I thought I had already paid this, turns out it was a different one at the same location. Anyway, the total claim was for £306.64. With Christmas coming I am trying to manage my cash as best I can so I filled out the…
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Financial History / Score
Dear all, I have one question if you could help me. It’s regarding the order of my name for the credit check the bank does to offer a credit card. I’m a spanish national and as you may know in Spain we have two surnames. My question is how should I fill up forms like electoral and another ones so the systems would know…
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Resolvecall and Capquest
Resolvecall contacted my about a debt from 2006 on behalf of Capquest. Capquest suddenly stopped the agreement of £1 a month without me knowing anything about it in 2019. I wrote to Capquest and let them know my present situation, I am 67 , retired and living off the state pension. I told them that I would not engage with…
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ClearScore rating dropped unsure why
Hi all. Would a new mobile phone contract drop my ClearScore score by 31 points? The first payment hasn’t been taken yet. I’ve got a very high credit rating which was 983 but dropped to 952 this week. The only thing that’s changed is I took out a new phone contract last week. I knew they were doing a credit check and…
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Question Relating To Possibly Unenforceable Debts
Hello, It is alleged I owe two amounts relating to two credit cards. One amount is being managed by PRA Group. The other has just been passed to a company called Intrum. Neither appears on my credit score, as the alleged debts are over 6 years old. I am paying both amounts off monthly - £5 per alleged debt. PRA Group The…
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Cifas Protection Marker?
I got the Cifas Protection two years for £25 in December 2020 due to my details being obtained by a scammer, does the Cifas marker stay on my credit report or do I have to pay £25 again?
