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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,…
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National Lottery and Credit Rating
There is a strong chance of me wanting to take out a new mortgage next year. I have a very good credit rating and no financial problems at the moment. I put around £200/month into a National Lottery account from my current account, most of which is used to buy tickets for a family syndicate. I'm concerned that a lender…
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MSE Credit Club Broken Verification email not being received
I have attempted numerous times to have a verification email sent to me and have never received on. I have raised with MSE, raised a complaint and am now at a loss as unable to access or use this really critical service. What is strange is that I receive the monthly emails from MSE from the exact same email address saying…
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British gas randomly "settle" my account?
Got this notification that British Gas have settled my accounts? But as far as I know nothing has changed. I haven't missed any payments or changed anything at all at BG. Just been paying my DD as normal month on month (I am also in credit).
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PRA Unenforceable Update
Hi everyone, Firstly, thank you to everyone who has helped me thus far. I really appreciate it. PRA has now admitted, in writing, that the debt relating to Barclaycard is unenforceable and that they are unable to take legal action to recover it. I have also got them to confirm in writing: - The amount is unenforceable -…
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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
