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Old debt settle or will it affect credit
Hi just after some advice 7 years ago I lost my job and fell behind on payments this was noted on my account as a default anyway I have been paying back what I can afford. The debt is now down to 6k anyway they have offered me a settlement figure which is 2000 I want to pay this off and have some inheritance due of around…
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ClearScore incorrectly says one of my credit accounts has closed.
Upon checking my ClearScore account I’ve noticed a credit account I’ve had open for a considerable while (and is still very much open) is saying it’s “closed”, this is definitely an error however my credit score has now gone down as a result. I contacted ClearScore about the error and the email response I got back was…
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Hard Search: Broadband Contract = Loan?
Hi. I recently switched to BT for broadband after being with Sky for ages. During the order process, I was told about a credit check being run, but why does switching broadband have to be a hard search and not a soft one? Surely taking out broadband contract is not the same as taking a loan?? Plus, Sky never did a credit…
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Credit file special arrangement
Hi, I have a special file which has special arrangement next to my debt with Very. I do pay it via stepchange. All my other debts defaulted in January 2020 so I'm concerned this may change too. Does anyone have any advice with this one?
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Credit score..what am I missing ?
This is probably a dumb question but.. If I look at my credit score on Clearscore, money supermarket they all state 4 out 5 or 90+% and very good BUT when I try to apply for a balance transfer credit card or loan I get either no or zero results What am I missing ?
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Resolve call
Hi, a relative has been chased at their address by resolvecall for one of their family members debts which is causing them stress does anyone have any experience of what type of debt this company usually buys and chases? Or do they chase all sorts?
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How do i get british gas to amended credit file
How do i get british gas to amended credit file - is there a phone number or specific email to use?
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Capquest chasing debt on a dro
Hi, I was granted a dro back in 2017 and included on that was a debt with the rbs , I received a letter from the rbs saying my account had been closed with a nil balance in early 2018 , I am now receiving calls messages and letters from capquest demanding payment , I rang them and tried to explain about the dro but they…
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Potential cifas?
Hi guys I applied for a bank account with HSBC I put that I had owned and lived at my house for 3 years and that I earns 86,000 a year from my job. They still haven’t come back to me and it’s been 4 days when reviewing my mortgage paperwork in fact I’ve only been here for 2 yrs 6 months and when reviewing my sa302 I earnt…
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Debt relief order and it still not over after 2 years.
I'm not sure what to do. I had a debt relief order that was fully discharged at the end of last year. Still, I have many of my creditors adding defaults to my credit file. I don't understand how this is even legal, they know I had one as non of them is chasing me for the money anymore. I haven't the mind set to deal with…
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What if credit card issuer lowers my limit to below my balance?
I've just successfully applied for a Sainsbury's credit card with a 24 month interest-free period and a credit limit of £6000. I'm planning to use it to pay for central heating at a cost of over £5000. The terms and conditions of the card say that they may change my limit at any time. Needless to say I'm concerned at the…
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Who are the best lenders to approach for a mortgage when you are unemployed?
I've heard that there are some lenders who will give you a mortgage when you are unemployed; where is the best place to start?
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Can I get new credit card following mortgage approval
In the middle of buying a house. Mortgage has been approved and searches near completion. I have come out of my 0% interest free period on a credit card. There's a fair bit on there and interest is around £200 a month. I've held of switching as was in mortgage application stage. Is it ok to go ahead and apply now I have…
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Do I have a cifas?? Help!
First of I would love to say after 7 days of pure hell it’s so refreshing to see sanctuary’s like this and see a real community spirit of people advising and helping each bravo!!! so the story is Iam a business owner and we took a cash advance loan through our credit card terminal, I.E the loan company charges x on top of…
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Do I have a cifas?
First of I would love to say after 7 days of pure hell it’s so refreshing to see sanctuary’s like this and see a real community spirit of people advising and helping each bravo!!! so the story is Iam a business owner and we took a cash advance loan through our credit card terminal, I.E the loan company charges x on top of…
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Proving identity using credit report
I needed to prove my identity for HMRC and I had to chose 2 out of 3 options from my credit file, my passport and Northern Ireland driving licence. Clearly this is Hobson's Choice as I do not live in Northern Ireland. The credit report questions included ones on when I took out a loan and a mobile phone contract. However,…
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Late payment on credit file
Is there any guidance or rules around companies reporting a late payment to the Credit Agencies? Can they do it when you are more than one day late, for example?I’m only asking because I read on Equifax website that companies shouldn’t really be sharing the info unless you are more than 30 days late. Thanks
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Northumbrian Water
I recently had a CCJ put against my name by northumbrian water, i moved out of a property in june 2019 back to my parents house and cancelled my accout with NW. I had went through a name change so when i cancelled the account it was in my old name, since i left NW created a new account in my new name with out my consent…
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Mortgage information not appearing on any of the big 3 reports
Just a quick question folks, i was wondering if it matters or not whether my mortgage information is shared to any of the credit agencies or not? We have had our first mortgage for 6 months now and usually you would expect credit info to appear after 3 months or so but nothing so far. I'm not panicking as i don't intend to…
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Withdrawing cash
Hi all Il.be going to Bulgaria soon and k have the Barclaycard rewards card which will be my main one and also the clairty which I will use as back up. So I will be trying to use the credit card for purchases much as I can but I think I may need to withdraw cash from the machines. If I so a couple transactions will it be…
