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Virgin media late reporting
Last year April noticed, that there was a default on my file for virgin media, had never received any miss payments. What had happen as you know virgin media normally has special offers for 2 years, so happen to be the sales rep told me for me to get the new deal, i would have to cancel, wait 3 days, then re-join. So I…
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Post office home insurance, premium credit
Hello everyone, So I have post office home insurance. My bank (Barclays) was increasing the premium so much every year, I left to look elsewhere. However, I have realised that this is marked on my credit files as an account with Premium Credit. It is time for renewal. If I go with them again and take the monthly payment…
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Security Clearence
I am going through SC clearance for a civilian role with the MOD. I have poor credit, several defaults and owe just short of 20k. I am tackling this though and have a DMP in place plus I pay extra to get my balances down. I have been honest on the questionnaire. It’s been 4 weeks now and I’m worried sick I’ll fail…
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Clearscore app reporting score of 1000/1000
When Clearscore was out of 700 I had a score of something like 576/700. Since the app updated to score out of 1000 it has always given me the highest score possible score: 1000/1000. I thought they were keeping the proportional score the same so I was expecting a value of around 820 under the new system. Is this a mistake…
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Applying for current account ahead of mortgage application
Situation is this: we may need to apply for a mortgage sometime this year, and Mrs will probably be the sole applicant. However, in the meantime she'd like to switch her current account and we're wondering if this could adversely affect a later mortgage application, bearing in mind the following stats (from her MSE credit…
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CCJ - change of address / set aside?
Hi all, I’ve been reading CCJ and set aside threads but thought if I
could direct advice whilst I continue to research, this would be best. Yesterday, was looking into re-mortgaging, applied for an
Agreement in Principle which was declined. So I decided to check credit scores
and turns out my wife has a CCJ under her name…
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CRA dont have info on me.
Hello. My brother is going to apply for a credit card in a months time and we were chatting about this and i said check your credit files before he applies for one. He said he did an elegability check and there were a few that were 95% likely to be approved but he knows that doesn't mean you will get one. He tried…
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Help! The credit agencies don’t recognise me!
Please can you help me? The credit agencies aren’t recognising me as a person and saying they can’t verify my identity. I have lived abroad for 16 years but had to return quickly due to the deteriorating situation and I need to set up my life here again. I have tried married and unmarried names and neither work. How do I…
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Credit Usage
So I’m currently saving for a mortgage. My credit report is decent. With no missed payments. I have had no hard searches in the past 6 months and credit reference agencies advise me to keep this up but then at the same time they also tell me I need to increase my credit limit to over 4K because lenders like to see credit…
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Defaults
Morning. I have a credit score of 537. ( defaulted 6 years ago in May) my question is when the defaults are removed in May how much is my score likely to improve points wise? Any ideas tia
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How much does a default from Virgin Media affect your ability to rent?
I received a default on my credit file for an apparent missed payment back in 2019. I have since tried to dispute this but it seems it is there to stay. When applying for a flat to rent a few months ago the agency worker asked if I had any CCJ's or debts, to which I said no but I let them know of the default and they never…
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Trying to Remortgage but husband has poor score
Any advice please. I am needing to remortgage to do some desperate home improvements. I have a really good credit score with everything showing up to date for years and years. The problem is my husbands score is terrible. 3 years ago he had ill health and couldn’t work, he stopped paying things and has got 2 ccjs and a…
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Debt
Ok so I had some debts written off medically. So my question is can they still mark as default every month. So basically they are marking it on credit file as default but not removing it is that them being funny or is that the correct procedure..
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What exactly do those who check your credit file see?
So apparently they don't actually see your credit score, this I'm aware of, but I'm interested to know what exactly it is they do see... do they see your credit history (how much you borrow and pay back monthly)? Do they see your general payment history and any missed payments? Thanks.
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Utilities that report to credit files?
I am just wondering what utility companies report monthly updates to the credit agencies? (Energy, broadband, water, etc) Thanks
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Newday
i received a letter today form Newday advising that somebody had tried to open an account as me with Argos - something I haven't done. I called the number on the letter and they needed more information from me than i was prepared to share (not knowing who they are). Are they a legitimate company and am I wise to contact…
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Defaults showing twice with different dates
Hi all. I am getting myself really confused when reading my credit report, so hoping can get some clarity. I started a DMP with Stepchange Oct 2017. I had 8 credit accounts. My repayments were all up to date at this point but when the DMP started and I started paying less the default notices started arriving. Some of the…
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Mobile Phone Contract Credit Check
I'm hoping this is the right place to ask for some help/advice! On 24th Feb I tried to take a new mobile phone contract out with o2, through Mobile Phones Direct. After a few hours I received a notification from MPD to say I'd failed their security check so the order had been cancelled. No idea why - they can't give any…
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Missed credit card payments due to changed address / standing order - Experian blocking car lease
Back in early 2017 we moved house and forwarded mail for a few months plus contacted just about everyone who needed to know our new address. At that time we had a Tesco credit card with zero balance, we weren't using it so we forgot to change the address for this one. However later that summer a standing order came out of…
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Domestic abuse victims really bad credit
Hi All how do I rebuild my credit when all the credit agencies still don't recognise financial abuse . My credit rsting is on the floor and Ive tried ti get a rebuilder credit card . They said No. ( i have police records as proof ) secondly we reclaimed PPI cover from a joint account . Barclays paid it all to him , despite…
