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CIFAS added to credit report
I recently applied for a capital one balance transfer card. I was approved with a 6000 credit limit and all was ok. Got an alert today from credit karma and checked and they’ve now declined and added a “victim of impersonation” marker. I’ve phoned them, confirmed to them who I am, my details, any credit I have thats on my…
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Small claims
Advice please. Someone has bought something from me with cash. I didn't check the amount paid because this person has told me he is a Judge. My fault, should never trust anyone. Before he left he used the bathroom and caused damage to the door, i wasn't so bothered, easy fix. Guy was disgruntled because he tried ro barter…
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Debt management plan defaults
Hi all. Does anyone know whether there is a period of time post default/arrears on the credit record where the impact becomes better? I know it takes 5/6 years to come off the record, but does the negative impact reduce at all if even 6 or 12 months have passed? Just trying to time when to submit a new application.
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ClearScore / Equifax - Negative impact from credit card withdrawals abroad (e.g. Halifax Clarity)
ClearScore recently notified me they'd be viewing credit card withdrawals negatively on credit reports. I can understand this in principle - you generally shouldn't borrow cash from a credit card. However, credit cards like Halifax Clarity provide near-perfect exchange rates and fee-free cash withdrawals globally. It's…
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Buying/Renting with my history
Hi All, Long story short, I had money troubles growing up (18-22) and got myself in debt and CIFAS Cat 6 marker. Thankfully I have changed my life and finances. Myself and my partner are looking at moving out in the next few months and I wanted to look at our options. In an ideal world we will buy a house but I feel that…
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Challenger Banks and Credit Ratings
I banked with Halifax for many years and, during that time, my credit score (yeah I know - as provided by Experian etc but let's forget about that for now) was always healthy and, on the odd occasion I needed a new credit card, there were a plethora of options open to me. I have no debt whatsoever, never have. A couple of…
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CIFAS protective registration
I have discovered my accountant's email has been hacked. The hackers got my email address and sent a phishing email but I don't know what else they got. I have updated my passwords but is it worth getting CIFAS protective registration?
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MSE Credit Club - Overview of your Current accounts
Hello, Should the balance show against your list of Current Accounts? Mine has always listed them as £0 which is not correct. Any help appreciated! Thanks
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Late Payment prior to Mortgage Completion
Hello allWondering if anyone else been in this situation, so my credit report is currently marked as excellent which I know has no impact on mortgage lender checks.I had my mortgage offer approved but am around 3-4 weeks away from exchange and completion.However I had forgot I had direct debit cancelled and so had late…
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Debt collection searches - impact of mortgage application
Hi all, I've posted a more detailed thread over at the Debt free board but wanted to enquire about a specific issues I'm worried about here. My partner has an unpaid debt from '09 for around £5k, CCJ registered in '15 and now off the public register. We've been trying to pay this off after recently after coming into money…
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Open credit accounts
I've finally been able to pay off all my credit card and loan debts and am now looking for a larger mortgage. I have 31k worth of available credit spread across 5 credit cards so would it be best to leave these as they are, reduce some of the available credit (lower limit) or close some of the card accounts. The loan…
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Moneyhub / Voxi mobile
Hi I am posting here hopefully in the correct section (moderator feel free to move if I've got wrong) regarding a company - Moneyhub, who carries out a check on your bank account to verify that you are in receipt of a qualifying Government benefit to get a discounted mobile phone deal with Voxi/Vodafone. I've tried to find…
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Hard search appeared on my file from Debt collector
Hi. im currently in the process of getting a mortgage, as far as i understand it, when the valuation is done in 2 weeks time, they will perform another hard search on my credit file this debt collector search appears today! I called up the debt collector to find out why, and all they could say is that I would be receiving…
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Ccj
A ccj was registered on my credit report on the 23rd March 2022, i have been told if I pay within 28 days of it appearing on my file It will get removed and when I read online, it says even if I pay within one month, it will stay on my file for 6 years Is it true if I can within 28 days of it appearing on my report it will…
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Help with default and mortgage application
Hi folks, Hope you're all well. I wonder if you could help me - I am in the process of buying a house (about to get AIP), and decided to make the most of the bank holiday and tidied out my old paperwork. To my horror, I found a default notice from a pet insurance company in February 2016. In all honesty, I can't quite…
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My cifas marker has been removed but still cannot open a bank account!?
Hi my cifas marker has been removed but I still cannot open a bank account I do not understand what is happening?
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Reasons for SAR and will it be denied?
A while back a company had issued a black markeron my file, i feel this not right as the person i was speaking to had said that it would not happen. My response from the loan company was that it was perfectly explained. I want my phone recordings and to take it to the ombudsman. I have phoned the company since and asked…
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6 year old debt effecting credit score
Hi, As I am new here I apologise if this is the wrong place to post. I have two old debts effecting my credit rating. Both these debts were bought, one by Hoist one by Caboot. It has been over 6 years since either of the original companies received any payment or correspondence from myself, ( I have all the old statements…
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Raison Savings Savings applications suddenly being rejected
Over the last approx. 6 months I have had several applications for savings accounts with Raison rejected, I have been a customer for 3.5 years. Frustratingly, they claim they are unable to give me any reasons "Due to regulatory
obligations". I have recently opened a savings account through Hargreaves Lansdown so they don't…
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Default or CCJ after Repo
I recently went through a messy divorce and had the matrimonial home which was solely on my name repossessed by the lender. The procced of the sale was enough to cover for all the debt and even have about 85k left. I Just checked my credit report and discovered 3 defaults on my files.( one for the main mortgage and two for…
