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Building credit score - should I take out a new credit card?
Hi All I went through a period last year where I was using my overdraft with a high credit utilisation on my credit cards and so my credit rating took a hit because of this. Over the last few months I've been working to build it back up but I've hit a bit of a wall and the growth on my score has been slow. The top…
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Credit Rating - Should I tell them?
Hi, I have 3 credit cards, two smaller ones (2k each) and a larger one. I've had the larger one 8k since about 1978 and use it most of the time. I always clear all cards each month by DD. Experian is only aware of the two smaller ones and continually sends me updates to check my score, almost always within a few points of…
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My credit rating
I was
refused a loan today. I need to get dental implants. Due to severe bone loss in
my upper and lower jaw dentures are a problem. The dental company checked to
see if I could get a loan from the finance company they use and I was
refused the loan. The rate was 5.6%. I work
part-time. I also get PIP and disability…
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Does checking your credit rating affect your rating?
As per the title. If I check my credit rating does it negatively affect my credit rating? I was refused a loan today. I am confused as to why as I have no debt or bad credit. I want to check my credit rating. I don't want to check my credit rating if it will affect me negatively. .
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Should credit limit increase offers be accepted?
Would this help or hinder a credit score?
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Bank approved mortgage and declined -after audit
Wondering if someone can advise me on that, Barclays approved our mortgage on the 1st of November 2022 , we were happy and were busy shopping for new house stuff. we got an email which was forwarded by our broker that bank need our pay slips, statements and proof of deposit again and statements should show that deposit if…
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Always in overdraft
Hi im looking for advice on two things, how much being in your overdraft nearly all the time affects credit score/mortgage application and also can a bank take an overdraft off oyu with no warning ? in a nutshell my savings are 4 times more than my overdraft but currently to one side to buy a house, if i was to put enough…
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Financial Dissociation from Ex Partner
Hello, anyone who has previously dissociated from an ex partner on their credit report...Can you advise whether I need to notify all CRA separately? I have only been able to find the form for Experian up to now. Thanks!
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Having difficulty disputing a credit file error? Please help!
Hi, new here; I'll try to be concise. When I closed my previous Yorkshire Water account, I was required to provide details as to where I was moving (which I thought strange). This lead to Yorkshire Water passing my details on to the new Utility Company, and an account was automatically opened in my name. However this was a…
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Debt Letter Conundrum
We have received a debt letter addressed to our house, in my wifes sisters name, she has never lived here. The sister has been an in patient at a Section 1 mental care institution since August 2016 and is considered not to have capacity. So far as we know she has not been able to make any purchases in this time. Her only…
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Very Pay - worth it to save £100?
Not sure if this is the right place or not but I'll ask and see..! Basically it seems if you take out a "Very Pay" credit account you get 20% off. I'm looking for a new laptop, using this 20% off would save me £100 or so vs the cheapest alternative place, Argos or Amazon. I havec zero need for the credit, and I don't want…
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Can't get mortgage after fraud and credit score affected
Hi I'm hoping someone can help and with next steps. I am writing this on behalf of my son. He and his girlfriend Have applied for a mortgage but it was rejected as my son's credit score was bad. He has always had a great score but in may this year we found out someone had taken 3 accounts out under his name with O2 an…
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Incorrect CCJ
My daughters partner has a CCJ wrongly placed on his credit file (his father has the same name). The courts say that its Experians fault and Experian say that they have correctly applied the information given by the court. Any suggestions on how he proceeds?
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Lantern DCA Confusing problem.
This might be in the wrong forum, for which if it is, i apologise. Last week i received a demand from Lantern, saying that they've been trying to find me. (News to me i have lived in my current address for twelve years) They have issued a demand for £250 saying that i owe it. Now they don't say what the 'actual debt' is,…
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Debt collection searches CRA
Debt collection searches appear in the soft search part of my credit report however after check with Equifax apparently they can be seen by lenders and do negatively effect your credit worthiness. Is this true? I thought only hard searches were visible when applying for credit? I will attach picture to show what I mean…
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CCJ and Address on Credit report that isn't mine
Hi I would like some advice on a CCJ that is not mine on my credit report. Over a year ago I noticed on my credit report that there was another address added, this was listed as current address, telecoms bill, credit card and Thames water. I have never known to be at this address and do not know anyone that lives in that…
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Overdraft and credit rating
I have a £1000, 0% interest overdraft. I don't need to use it. I have no need for credit. I got it to to help boost my credit rating for when I buy a house. I cannot get a credit card. I tried but have no credit history due to not needing any. I need to know how to effectively use a 0% overdraft to boost my credit score.…
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No longer on the electoral role with Equifax
Hey forumites i am about to apply for car finance and decided on a cursory glance at my credit files…it seems on equifax i am no longer on the electoral role..having called them they explained they require annual confirmation from local councils to maintain this status..i.e they take you off every year until they are…
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Credit file skullduggery
Can anyone tell me if this is right/allowed. It's from Provident Personal finance, I'm sure people are aware of the back story of all this and payday loans but when they liquidated the just marked it as satisfied rather then removing it. I missed the time frame for compensation and when I've emailed them they basically say…
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HSBC removing credit searches after three months...?
Hi all, Wonder if anyone else has experienced this! I had three hard credit searches on my Equifax file from HSBC, two from August and one from October. Ordinarily these would drop off after a year, but they've all progressively been removed from my Equifax file and are now all gone. I've not had any contact with HSBC that…
