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Barclays GDPR request
Hello all, wondering whether anyone else has ever requested right to access from Barclays and has difficulty? initially requested it in September and they waited a month then sent a letter saying go to branch with ID, so logged again by a staff member over the phone in November, and said would be fine this time I done mine…
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Experian Credit Score
Hi All, I have recently moved taking out a new mortgage in the process. My Experian credit score used to be 999 but is now 879. The reason, I think, is because the age of my mortgage is showing as N/A (as it was only taken up last August). Does anyone know how often mortgage repayment history is published to these agencies…
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Electoral Roll
Hi - I hope someone could help me. I check my credit report every month with ClearScore and this month it’s tells me my electoral roll has been updated. I have moved or anything like that. It is showing as my correct address. I’m hoping someone can put my mind at ease. I know they publish a register every December and do…
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CIFAS Flag in Error - what are the next steps?
Good Morning all, looking for a little advice if possible please....i'll summarise in bullet form: 1. Received a text message from Halifax in June 2022 saying 'thanks for updating your details' - I hadn't, so I quickly called them and found out my address, phone number & email address had been changed. Some digging…
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Is rent including bills damaging my score?
My credit report by the MSE credit club shows low disposable income. While I’m not exactly rolling in money, I also wouldn’t say I’m struggling. So I wondered if this was partly because when I enter my rent payments it looks high relative to income - however it includes all my bills. So while that expense is higher, none…
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Requesting CCA agreements
Cabot holds two of my lloyds credit card accounts and these are 7 year old debts for which I doubt a CCA can be found therefore making the debt unenforceable but I just want to be sure. Can I send to them just one cca request letter for both accounts and a postal order of £2 or should it be two separate letters with two…
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Improving Credit Rating and Mortgage
Hi, I went on a credit card / loan / overdraft binge a few years ago. Credit report is getting back on track. 02 Contact - no missed payments 5 years (I know phone contracts are irrelevant) Halifax Current Account - no O/D - have not gone negative ever in 5 years Capital One Credit Builder - 13 months under 30% limit, paid…
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Requirement for Bank statement when opening a savings account.
I have been asked to provide bank statements (B.S) to 2 banks recently.The first where i have been using the same linked account with that bank for several years. The second where i wish to open a new savings acc in a new bank. Supposedly this is for money laundering prevention. Bank No 1 I refused. Bank 2, as it looks…
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Bad practice from Tesco Mobile
Short version Tesco Mobile's payment system is broken and, as a result, they are damaging consumer credit scores. Long version On 4th May I decided to upgrade from my old PAYG phone to a pay monthly one with Tesco Mobile. After trying twice to order online and each order failing for vague "verification" issues, I called…
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Security breach & data leak in FCA regulated company - how to proceed?
Hi all, This may not be the correct subforum for this topic, but I did not find any better, sorry. Recently I've been called by scammers who knew very detailed information about me and my personal account I hold in financial institution regulated by FCA (futures & foreign exchange broker). I knew something is not right,…
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Barclays Current Account Application - invited to book an appointment with a Community Banker
I applied for a Barclays current account yesterday. At the finish of the application process the following message appeared on screen: When I checked email a few minutes later there was an email from Barclays with this: How would this application appear on my credit file(s)? I mean, it's not a rejection, I need to make an…
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Address history confusion
Hi all, I'm fairly new to credit reports and trying to get my head around how things work. I'm interested in applying for a credit card for the first time, and have been perfect at paying on time with bills etc., but am worried that I'll be rejected because of my inconsistent address history. What I'm confused about is how…
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european living and working in the UK for under 6 years
I would like to know my credit score but I have only started living (and working) in the UK since February 2020. I had an Amex card for 1 year, but I am afraid this has not counted towards my credit score. Another issue that I frequently have with bank accounts etc is that my legal name is longer than most forms accept (I…
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Wrongly issued ccj on my credit file.
Hi, i have recently applied for a mortgage as me and my wife are buying our council house through the right to buy scheme, we have a deadline of 30th of january 2023 to accept offer and complete deal, we were turned down by the halifax as something showed up on my credit file, at this moment i am unaware i have a ccj on my…
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MSE credit club score wildly different to Experian one
Hi all I’m a bit confused because there is a big difference in my credit scores when comparing the MSE Credit Club (where I’m a poor/700) and getting my free score direct from Experian (where I’m good/939). As far as I know I used the same details, so does anyone know why this might be? And which one to trust more lol?
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trying to clear ccj but no response from company
Hi All I have a CCJ for around £320 given around 6 years ago. It was lodged to an old business address so was not aware of it at the time. I would like to pay it as the housing association has said they need to see evidence it has been cleared before I can apply for a shared ownership property. I have tried contacting the…
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TransUnion Verification Problems
Hey everyone, I recently applied to open an easy-access savings account with a new bank and I was told they were unable to verify my identity. Speaking to their support team they said they use TransUnion to do their credit checks so I should contact them. I then went onto the TransUnion website to see if I could do their…
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Declined for £8/month phone contract
about a month ago I tried to take out a sim only deal with o2 for £8/month, but got declined. I thought it would be a mistake, the message said to find out why they reached that decision I had to email them, and this is the reply "When declining an application we need to let you know the credit agency used to make the…
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Very good credit rating but still turned down by lender
I applied to buy a mobile phone on-line at 0% finance over 24 months and was turned down by the manufacturer's bank. I checked my credit rating, which is good, in fact one agency gave me 987 out of 1,000. I am retired, aged 74, own my home with no mortgage and have never been over drawn or bankrupt. Both my credit cards…
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Unexpected Hard Search By Insurance Company
I was checking my ClearScore report and noticed a hard search was carried out when I took out home insurance a few months ago. Really annoyed, was going to open a Very credit account just to benfit from their 25% discount, and was also looking to take out car finance in Feb/ March. Although my credit rating is very high,…
