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Possible Unsuccessful Bank Account Application - Affect on Credit Score
Hi there! I'm thinking of applying for 1st Direct account, but am worried that my application may be rejected on the basis that I'm currently not working, and that rejection will affect my credit score. I have a credit rating score of around 750 (Experian.) I had a DMP with Step Change, but am now debt free 😁 I don't have…
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HMRC refuses to pay back vat to Viva Wallet account
Hi. My company is due back vat 1k but HMRC cannot make the transfer to Viva wallet as Viva wallet does not facilitate backs payments. They only facilitate chaps and fast track. Crazy to find out that I will loose 1k. Viva wallet does not accept cash cheques either. The only solution I can think of is to hire an accountant…
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In default on my credit report
So for the last 3 years I’ve been going around in circles with EE as they’ve put a default on my credit report, now I’ve never had a contract with EE infact I’ve never had a contract phone and have always had pay as you go with a different company, in 2018 I moved house and because there was a fault with BT which meant we…
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Problem obtaining credit
Hello. I have never had an issue with obtaining credit but was recently turned down for a credit card (it was just an eligibility checker as opposed to a full check I believe) and also a mobile phone. Which of the below is likely to be causing me an issue? Or will it be a combination? * Moving house twice with a 12 month…
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CREDIT HISTORY
Hi, Does anyone here know - if I purchase a used car on PCP and then pay the whole outstanding amount in the next or following payment due, would that affect my credit history? Not sure of the actual process - do I have to pay a deposit in the first instance and then followed by my full payment? Will appreciate a response…
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Credit rating/mortgage
I’m looking to buy my first home I currently have my savings in a isa but am thinking about opening a chase account to benefit from the interest rate on my savings but will opening a new account with a different bank effect my credit rating and therefore have a negative impact on getting a mortgage?
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Natwest closed account and put marker on name with no fault of account holder
My friend, a single mum of two was notified by NWest bank that her account is beeing freezed. She begged them to explain why they closed the account. The brief reply was that someone from India tried to deposit large deposit on her account. She tried to open a different account with variety of banks. The answer from all is…
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CIFAS DSAR - Please assist
I received my CIFAS DSAR today and the report states- Metro Bank PLC undertook a search on 18 May 2022 using your details - please contact Metro Bank PLC for further information. Is this an adverse information? Do I need to contact the company to challenge and remove the entry?
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Paying a CCJ but still getting late payment markers?
I have a CCJ for an old water bill, I have set up an arrangement and it has always been paid on time, i have just seen on my file that I have 2 years of late payment markers, every month, I thought as it is an arrangement then it would appear as such, and not be late every month, any advice please?
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Will closing an unused bank account improve my score?
Hi all, I have noticed on my Credit Karma report it says the fact I have opened 3 new accounts (2 Bank accounts, 1 Credit card) in the past 6 months is having a high impact on my credit score although there are no hard credit searches on this report for any of the accounts, which I find strange. My question is if I close…
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Default Notice after one missed payment
Hi, I’ve received a default notice from Close Brothers insurance after one missed payment. The default was enclosed with the notice that payment had been missed. I am in a position to pay what I owe. My credit rating is currently 999 in Experian & 881 in Equifax. I am furious because I am aware this default will now affect…
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Credit building 18 months or 24?
Hi folks. So I'm currently coming to the end of my 18 months with Barclaycard forward and Capital one builder credit cards, I've used both at a utilization of 40-60% and never missed a payment, always paid in full. I would like to upgrade the Barclaycard to a platinum 0% and cancel the capital one and open an Amex everyday…
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Student bank account
I applied for a student bank account because I'm going to university in September and my application got rejected, however it was accepted at nationwide. I haven't had a credit card before and so I'm not sure why I was rejected. I did open a new current account shortly before this might be why. My question is will the…
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On a DMP but want to make things manageable
a bit of a this and that post so I apologise. I suffer with Depression and Anxiety and because of some poor coping methods I’m in a fair bit of debt. I’m with Stepchange and paying a DMP and I know I’m not allowed credit etc. I really want to move Banks. I have a Current account with Barclays but they have behaved…
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Good credit rating but no fixed address = no loan - advice needed
I've lived on a boat for 15 years and until recently had an official postal address where I was registered with my bank and driving licence etc. The Post Office though has decided to delete it and won't set it up again as they don't consider it a 'proper address'. This has meant that despite a credit rating of 999 (I've…
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Associated people
Hi, I've just recieved my transunion credit report, it has an associated name, from 2005 for someone I was not with, its under welcome financial. How do I remove this person, I cannot find welcome finance email address. Any help would be appreciated.
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Experian Loan checker leaves a footprint
Despite the well meaning suggestion to use the loan/credit offers checker on the Experian app with no impact to credit score, i recently checked this out to see what the going rates were on loans as i have a long standing loan at a rate over 10%. So i had a little look on my app a couple of times to see what percentages…
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No data credit report
Hi, Had a bad time a few years ago and I now have some payday loans on my report which are showing no data from May 2019 on clearscore. Loan amount is £500 and current balance showing is £1072. Status just says no update received. I want to pay it off so it’s gone from my credit report as am applying for a mortgage however…
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Unauthorised soft search on credit check
Hi, I've been reviewing my credit file recently as I'm looking to apply for a new mortgage. Whilst I was reviewing it, I looked through who had done the soft searches on me. Most were as expected such as when the car insurance is due for renewal so nothing untoward however, I did note there was one company on there who had…
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Can I ask for Ccj to set aside
Recently I checked my credit file and noticed a Ccj was added in November 2020. This is a debt I incurred as I took out a mobile phone contract for an abusive ex partner under duress in 2015. After several years of being under his control I finally managed to leave in 2016 with my 2 children. I was forced to move more than…
