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Worried about fraud - Argos Letter
Hi I recently had a letter from Argos telling me to contact a credit reference agency about a loan or something. (thought it was spam at the time so dismissed it) Has anyone else had a letter from Argos mentioning something similar?
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Should I remove temporary address (only one month) in credit file?
After a year living in the UK, I start to keep an eye on credit scores. My address history is like the following: 1) Live in my country before June 2021. 2) Arrive in the UK and live in Airbnb June - July 2021. 3) Live in current address since July 2021. My question is: would it be better or necessary to remove the Airbnb…
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Any luck removing a CCJ?!
Hi everyone, hoping for some advice if possible! My landlord is selling our house and me and my partner need to move out at the end of our contract in a couple of months. My partner recently got a CCJ and it is now paid off. (This month). I know this will massively hinder our chances of getting a new rental and wondered if…
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Rejected for a new phone - perfect credit score
Hi guys Broke my phone at work on Monday. I compared deals and applied for a phone through a company on 3 network and get informed my application has been referred to the credit team at 3 but eventually it gets approved. I then had to cancel because I'd selected the wrong memory size for the phone. I then apply again…
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CCJ Showing on Credit Club - can I get it removed if I paid it?
I was in dispute over a legal bill and was withholding payment until sorted. The solicitors raised a CCJ and so I had no choice but to pay it, plus court fees. To add insult - I see now that I have a CCJ against my score - even though it was all paid before the due date. Can I have it removed - or once a CCJ has been…
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Reduce Overdraft limit to improve score?
I currently have two arranged overdrafts on Nationwide accounts, one for £5,000 on the joint account and one for £2,500 on my own. We used to go in to them now and again, before nationwide started charging crazy levels of interest on them (39.9%), and now avoid it wherever we can, for a couple of years we've not been more…
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How best to proceed - 6 defaults from 2019
Good afternoon, I have checked the 3 credit ref agencies (Equifax, Experian, Transunion) and gathered all the information about my defaults (6 in total). The default dates are all in latter half of 2019 the total is around £56k when I ran into financial issues and buried my head in the sand. They are all unsecured debts…
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CRC
I’m not sure wether this is the right place this. I’ve had two letters from CRC offering me a discounted settlement offer on goods I know nothing about.! My credit file is A1 with no missed payments or arrears. Has anybody on here had any dealings with this company?
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Hard search consolidation loan - application cancelled due to limitations of online address input
I completed an online application for a consolidation loan, after receiving a "100% guaranteed" acceptance rating from the search on this website. Based on this certainty I agreed to allow access to my bank account as well. I received a call from the Lender after they had accessed everything and conducted the hard search…
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EU sender agreed to pay customs charges, but now DHL are contacting me to pay?
I ordered an item from an EU country to the UK earlier this year. The sender put in writing via email that they would pay the customs fee. I received my item, but now months later I am being contacted by DHL saying I need to pay these fees that the sender said they would pay. How was the item released if the sender had not…
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Missed payment affecting score.
I’m on a DMP. The debt was sold to a well known credit collector but ever since the credit collector took over, they’ve been putting on my credit file that I have been missing payments even though I haven’t. When the credit collector took over the loan, they contacted the company who I have set up my DMP with. They agreed…
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2 derogatory marks on Credit Karma (Trans Union) but not on Clearscore and Experian
I have one settled CCJ from 2016 July which this month will be wiped off. But where has the other come from? Only the 1 CCJ is on Clearscore and Experian but two marks are on CK. The only info it shows is below. Any help would be appreciated. Thanks HIGH IMPACT Derogatory marks 2 Public records or defaults reported Keep…
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owe ebay £150 can i get bad credit
i sold my car with Ebay they have charged me 3 times i have tried to resolve it no joy. They have passed it to a debt collector. Started of at £70 now its £150. All i care about is not getting a default or ccj can they do this? it isn't a credit agreement if you sell on ebay.
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CCJ in wrong name
I'm in the process of applying for a mortgage and signed up to https://www.checkmyfile.com/ to download my report to send to my broker. There is a CCJ on there which obviousy shouldn't be on there. Can anyone advise on how to get this completely removed? Details... My mother owns a rental property which had been previously…
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Worried about CCJ
Hi all apologies the late post on a Sunday evening. My husband and I would like to buy our first home in a few years, starting to save after our holiday next year. We’ve both opened LISAs to start us off, and on Tuesday we thought we would have a look at our credit scores out of curiosity. Mine is fine, however my husband…
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Evidence of credit / applications - Can it be under the radar?
Hello. Apologies if wrong thread. Looking for some advice and reassurance RE evidencing of current credit and new applications tied to a specific person. For background purposes, my husband has very recently admitted a secret gambling addiction and resulting five-figure secret debt. "Luckily" at the point he admitted this,…
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Late payment on file
Hi so I am with severn trent wster. Have always paid by dd. During covid my meter broke so rather than come out the put me on a plan to pay 20 a month until they fixed it. It still isn't fixed as I'm clinically vulnerable and still have to isolate as much as possible. ST were fine with waiting. Last nov ST took out 84…
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Anybody had any issues with Equifax?
I check my three reports every year or so using the basic methods having a few issues obtaining the Equifax version for the last two years though. I have exhausted the methods of getting the Equifax one, the online system seems to be full of bugs and twice they claim to have sent my file out in paper form which i have not…
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Letter from debt collector
Had a letter from a debt collector, saying I owe EE £367, I rang them saying it must be a mistake as I've never dealt with EE They said it's from 2006 They went on to say they have another account from a bank for me, I had a dispute with the bank, came to an arrangement and settled, they now appear to want to pursue me for…
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Equifax notifications
For the past 3 weeks I have received multiple emails from Equifax explaining there are new/deleted searches. I receive about 10+ a day. Is anyone else experiencing the same thing? As I am now a bit concerned.
