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Linked address on Credit Report is connected to identity fraud - how remove?
Last Friday a credit card provider called to say my dormant card had been used and I was the subject of apparent identity fraud. They confirmed the account details would revert to mine, the account would close and I wasn’t liable. They suggested I register with a credit reference agency and review my credit report which I…
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Abbreviated name impacting credit score
Hi all, This is my first post on the forum as I haven't been able to find much guidance on this anywhere, so I'm hoping someone might be able to help or point me in the right direction. I recently had a look around for personal loans and credit cards. I've got a solid credit score, I never miss payments on mortgages, bills…
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Ex-husband used my details to get Vodafone contract, then defaulted
Hi everyone, I'm looking for some advice here. I'm trying to apply for a mortgage and recently ran my credit report. I discovered that my ex-husband used my details to open a Vodafone account (he did this whilst we were still married apparently) but then defaulted on the account after we separated. Vodafone registered the…
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Improve credit score with portify
Has anyone heard of Portify and is it say good for help improving your credit score?
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Pave / Portify = AVOID LIKE THE PLAGUE!
Avoid like the plague! The worst customer experience of my life. Simply put, I changed my bank card innocently. Pave had my old bank card number. So, unaware I missed a £4 pave subscription. They did not call me, they did not text me, they did not email me …. No contact. Before this I had a 999 perfect Experian credit…
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Any positive impact?
Hi just wondering out of interest. I completely understand credit "score" is irrelevant in reality however I am wondering what does actually have an impact on your file? I currently have a settled/closed loan that is due to drop off as 6 years old end of April which did impact after was settled originally, so will this…
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dro credit cards.
my DRO drops off in about 2 years. I would like to try start rebuilding credit if possible? is it? I took out a vanquis and capital one. is there any other bad lender cards to try please?
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Employment Checks: Financial Vetting
Hello, Thank you for your warm welcomes to the MSE forum/s. I’m here wishing to correct my mistakes and pass financial vetting for a future dream role/employer. I’ve been successful before in such checks some time ago, but the past three years or so have made me dread the process after revising the vetting policy in the…
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Credit utilization history
I have searched far and wide online and can’t seem to find the answer Long story short my credit utilisation (how close I have been to credit limits on credit cards) has always been on the higher side on individual cards, although not overly terrible in the grand scheme of my total usage compared to total credit available.…
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Opening bank and saving accounts - impact on credit file
Hi, In previous years gone by, I have often taken advantage of switching offers from banks, usually 1 per year. However, more recently I haven't. I've been taking a look and I think it's time to switch again as the service from my current bank is terrible and I basically move everything to a monzo account. I was wondering…
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DRO in 2018 - now trying to rebuild credit score
Hi all, I had a DRO in Dec 2018 and was discharged in 2019. Since then, I've been trying to boost my score and do everything I can do improve. I'm aware my DRO will be on file til Dec 2024. However, I've done/managed the following: - Phone contract with EE (£30 pcm) - Credit card with capital one (used for groceries and…
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Hard searches now removed after 6 months instead of 12 months?
ClearScore says hard searches are removed after 6 months. It used to be 12 months. It this just a Equifax thing or is it a new rule for all CRAs?
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Will a new EEA Connection help my credit ?
So for years I’ve had terrible credit and I’m exploring every possibility to improve. I was in a bad relationship that put me in debt but I’m all good now and nobody will give me a loan or credit card etc but I taken out a new sim only with EE in November (new customer) and today just out of curiousity I added an Apple…
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Improving credit rating for future offers
I have a poor credit rating/history and as a result most credit cards I have are of a very high APR. I have 5 credit cards all with APRs over 39.9% and varying amounts borrowed on them but all over 90% of available credit. Recently applied for a loan that is 17.9% and was successful. This loan amount does not cover all of…
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None of the 3 agencies have ever shown my main current account
I've had my Lloyds Classic current account since the early 1990s. It's never appeared on any of the three credit agency portals, despite it being - until last year - the only current account I hold. Last year I decided to open a second current account with a different bank, NatWest. This is in addition to my main current…
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What's better?
So, in summary I had an account with Satsuma Loans, who are now in administration. This was opened in 2015, with a dormat debt / balance sat on the account from early 2016. I made a complaint that the debt should have been defaulted in line with the FCA Guidance of 3-6 missed payments and not continually recorded as a…
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Should I keep unused credit cards open?
I've finished paying off all my credit card and loan debt as of last week. I'll keep using one of my cards for some monthly spending and pay it off each month to maintain my credit history. I also have broadband/phone contracts which show up on the report too. Is it worth keeping open two credit cards I have no plans to…
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What happens once a Cifas marker is removed by the bank that placed it
Hi, Recently my bank removed a Cat 6Cifas marker and notified me by email thatthey had removed it then I quickly went tothe cifas website and Ran a DSAR checkwhich took a couple of days to come backbut when I received the report it said themarker was still on my record, so then Iemailed my bank but have still got…
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Removing alias from credit file
Hello, So me and partner have a joint account with Monzo which we used to pay bills. Neither of our salaries were paid into it, we literally just used it for small transactions, we don’t share any other finances together. unfortunately a CCJ has wrongfully been placed on my name as of January 2022 and is visible on my…
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clearscore increased score
As a regular reader of this forum I'm aware of the strong views about credit scores and their lack of value. Purely as a source of amusement then - I moved home last year, retired, took a part-time job and culled my bank accounts and credit cards. My report has been very boring ever since, no debt, most expenditure put…
