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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…
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EOS sending letters for debt that isn't recognised but would be well over 10 years old, which letter
Hi, my husband has had a couple of letters from an EOS Solutions. Initially we ignored them as thought they were a scam. However the most recent one says they may refer to their legal partners. The 'debt' is £1,666 so no small amount. Husband doesn't recall this but in any event we have been together ten years so would…
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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…
