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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…
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Attachement of earnings advice
Looking for advice, i recieved a letter of an intention of an attachment of earnings…… I’m self employed, is this possible? Thanks in advance
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TSB account application glitch but still Hard Search.
Went to apply for a new TSB current account yesterday through the MSE link for the switch bonus. Completed the initial details after which the site said checking your details and then a page appeared concerning if an overdraft was required. This page only lasted a few seconds and then suddenly refreshed itself with a…
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Credit rating 999, but refused accounts and phone contracts
Hello, My Credit rating on Experian is the highest at 999, but I am constantly refused things like mobile telephone contracts and the opening of even basic current accounts. I also had a problem once subscribing to something like Netflix! Can anyone explain why please? I have a joint signatory on one credit credit card in…
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Written Off Debt
Hi guys, I’ve recently been looking into my credit file and it’s showing a balance owing to Drafty, this was previously passed from them to a collection agency. The collection agency have advised that the debt has been written off but that they do not report to credit reference agencies. As it’s been written off I cannot…
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Virgin Media - 3 Hard searches added to credit report in 3 weeks!
Hi, looking for some advice on what to do next. I applied for virgin media broadband online 3 weeks ago, which at the check out stage asked for a credit check. Everything went through, due to some problems on their end with the details of the previous tenants of this property we moved into we have only now just been able…
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Transunion dispute (ongoing since May22)
Hi all, I’ve raised a number of disputes with Transunion (as part of my credit file cleanup post IVA discharge) and I appear to continue to be hit with a brick wall. My issues are as follows; Issue 1) One of my creditors has a default date over 1 month after that in which my IVA started, Transunion keep rejecting the…
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Experian : How do I get in touch with anyone - let alone intelligent life at Experian ?
Perhaps half a dozen years ago, "Experian" told HMRC that I did not exist. So, I spent my £2 and got my statutory report. There was a fair bit missing but the Experian computer had recognised me and what they knew about me was true. [Now let me explain that I first paid tax at the age of 15 and I have done so every year…
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Trying to improve your credit rating from a terrible start
Apologies if this is more of a stream of consciousness :smile: I fully acknowledge that your credit score in many situations is just an arbitrary number but I'm wondering if I should stop bothering to try and improve mine ? When I was younger, my money management was abysmal, and that's being generous!. While I don't have…
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Someone's else's loan has appeared on my credit file.
Hey guys, grateful for any help here. I received a letter on Saturday from a debt management company asking me to arrange repayment of a loan to a company I've not heard of or used (Loans2Go). My name is spelled incorrectly on the letter and they said they've contact me before asking for repayment - they haven't. I logged…
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Multiple missed payments to Vodafone for unrecognised phone number
I am tearing my hair out with this. My credit score used to be excellent, now it is 'low' beacuse of a series of missed payments to vodafone for a phone number I do not recognise. I can't get anyone on at Vodafone to discuss this with me on the phone because of security, I have been into a vodafone store and they have…
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CCJ set aside by consent - Deferred
Hi all, So I had a CCJ incorrectly awarded against me which the claimant agreed was a mistake and provided a consent order which I signed and they filed at the County Court business centre. I've had a letter today to say the deputy district judge has deferred the case as what is being requested is unclear to him. The judge…
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CCJ Compensation / Wrongly Submitted
Just reading through some previous posts on CCJ's, and how people have been wrongly registered with CCJ's. Im looking for an positive avenue in how to register an unfair ccj, which had nothing to do with us, it was set aside immediately. We had the CCJ set aside for a parking charge notice. The thing was, the CCJ was…
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Pension withdrawal
Hi, History - Back in 2010 i was duped into transfering my pension pot £20,000 to Ark Pensions. - 2 individuals were jailed for this scam in April 2022. - The company handling all the issues put a CCJ on my credit file for £28,000 in 2016 it is due to expire in 2023. - I was never contacted by a court to get my side ot the…
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Clearscore shows missed payment in 2019???
Hi I have just logged onto Clearscore and whilst my rating is very good I seem to have a missed payment in Nov 2019 on my record from Clydesdale Partner Finance, when I try and find out about it it doesn't give any details and it doesn't show any previous payments on that record to the company. I can only find the last…
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ccj's, default and mortgage
hi, i have £19,000 worth of debt after being laid off from a then £27,000 job, in 2020. it's taken me two years to get to that position again and now due to the cost of living crisis i really can't afford to pay that off. for two years i have not paid the debt off, have been diagnosed with adhd, and have been trying to…
