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Son has Vodafone default - believe unfairly?
Good afternoon all, Sorry but I’m a bit on a limb with this one and hope someone can please help. My wife and I gave my son and his new husband a lump sum about 6 months ago to help them purchase a new home. They will be taking out a mortgage. Unfortunately; it appears when looking at his credit report that Vodafone have…
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If credit scores are irrelevant why have them and why no transarency in calculating and credit?
Hi all, I am just trying to get my head around why these fake scores exist and why there seems to be no transparency when it comes to calculating these so why have them? this is very misleading when it comes to portraying chances of obtaining credit and should be removed as it will only encourage people to make hard…
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Eon Equifax credit rating
Eon have marked my Equifax credit file as adverse because of a metre reading error. Equifax raised a case but Eon declined it without checking the circumstances of the case. The metre is sited in a building plot and is not connected to a property and they just estimated high metre readings and billed me without my…
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Problems with MyJar and ACI
Hi all, As you may be aware, MyJar fell into administration and for the last 18 months have a had a complaint from me with regards to affordibility etc. As part of this process, they agreed to remove the loan from my credit file along with it's associated default. I had a letter today from ACI who I assume the debt has…
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I have a CJJ without them giving me notice.
Hi all, I am looking for advice. Around 2020 I was given 2 parking fines in the same spot which I contested due to having permission to park there. In 2021 I went through the proccess of giving my defence statement as one of the fines was set to go to court. I have now found out the CCJ has been applied back in November!…
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Change of Address and Applying for Credit
HelloSo I currently been pre approved via soft check for finance for some furniture.I am completing on my flat purchase Monday and my funds were released today.However as most places require the billing address to be same as delivery it means I need to update all my bank and credit card addresses to my new address. Would…
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Credit rating fallen
HiI have done a soft search on a couple of the recommended 0% credit cards andwas very surprised to be told I had little to no chance of getting any of them. Ove the years I've followed the MSE mantra of balance transferring and never had a problem.I have just checked my credit score on the MSE Credit Club and was shocked…
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Parking Charge Notice and CCJ
I recevied two parking charge notices dated June 2019 from a private car park (not PCN's from the council) I was of the understanding that these were not enforcable, so I ignored them. They usually just stop bothering you after sending a few letters from experience. This one is different, they have pursued this through…
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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…
