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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…
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Problems getting CCJ marked as Satisfied - Civil Enforcement Ltd/ DCBL
Hello I am a new member, and very new to posting on this forum - apologies if this post should be posted elsewhere on the forum. Can anyone help me with this situation please? I paid a debt of £396 to DCBL on 22 July 2022. As of today, my credit file is still marked with the CCJ as "Active" * I called DCBL today to ask why…
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Old CCJ - Drydens fairfax
I have received a letter from Drydens fairfax asking me to pay for an old CCJ from 2018. This was from a credit card account from 2008 which I paid for until 2015, when I had a life changing event leading me to move a number of times. I had no job, so no means to pay and had a responsibility of new born twins. To cut the…
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Lender recording missed payments after bankruptcy notification.
I was declared bankrupt at the beginning of Jan 2022. However, one lender (who i used to lease a car which was returned) is still recording missed payments each month on my credit file. They were included in the bankruptcy order along with my credit cards, electricity etc, but still continue to add onto my credit report…
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Trying to re-build credit score after defaults, in preparation for new mortgage.
Background: Around 5 years ago, my wife and I got ourselves into a spiral of debt (around £35,000). We weren't money-wise at all, and would simply take out a new credit card whenever the previous one was maxed out. We'd tell ourselves this was just "to transfer the balance at 0%..." or was just to 'tide us over' until…
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Does paying statement earlier make any difference?
Instead of waiting until the end of the month to pay the credit card statement off in full what would happen if i paid it earlier than the due date. Would this make any difference on credit files, Does the credit file record a payment made before the due date? I heard a rumour that paying earlier improves credit rating by…
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Is there a way to get a free Experian credit report more frequently than monthly?
I regularly check my credit reports to ensure that there are no mistakes or evidence of fraudulent credit applications. Clearscore and Credit Karma update every week but the MSE credit club only updates monthly. This means it could be several weeks before I became aware of adverse activity or even accounts being opened in…
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Mitsubishi Capital
Hello Forumites, I was checking my credit file (ClearScore) and there is a new loan account showing that I was not expecting. It identifies as "MITSUBISHI HC CAPITAL UK PLC NOVUNA (I)". Looking at the details, I wonder whether this is a re-brand for Hitachi Capital who were the buy-now-pay-later finance house used by…
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Anything I can do? British Gas system error ruined credit score
TLDR; British Gas submitted incorrect information to the CRAs which has made my credit score 200 and is therefore preventing me from re-mortgaging. They've admitted this is caused by a "system error" but it has still not been resolved. What can I be doing to try and hurry this up? Full story: So a month ago, July 2022, I…
