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Virgin Media Default
Hi Everyone I had an incorrect virgin media default registered to my name from a previous address, only noticed after being rejected for a mortgage last year. Finally after months of phoning and getting nowhere, as no one i spoke to seen any problem with the account which was closed with no balance, i finally spoke with…
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AMEX on Experian
Hi All, When I was to pay Experian monthly subscription, my AMEX credit card was showing the detailed monthly activity on my report. I cancelled the subscription and ordered a statutory report and it doesn't show anymore (it shows the AMEX has a linked address to my new property so they are there in some shape). But…
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British Telecom
Does anyone know if British Telecom now "report" accounts to the CRAs like Mobile Phone companies and Virgin Media do? Our British Telecom Account is still in the name of my Late Husband who died in 1995 and I recently got copies of my Experian and Equifax files for £2 and there are no active accounts showing. So if they…
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Please help - Being accused of fraud
Hello. I am sorry if this isn't in the correct section. I recently applied for a job in a call centre for a bank. I was refused the job because they had taken out a credit check on me. A week later I received a letter saying that because I didn't click the link on the application saying that I had a poor credit history,…
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Any ideas what it might be?
I had some problems with my credit rating not long ago (4 months), to the point where I couldn't even get approved for a basic current account - this absolutely baffled the branch manager at Barclays, in the end I struggled so much that I had to actually get my wife to apply for one and then add me afterwards. The branch…
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Flat number or not: what to do
I've seen a lot of threads "warning" about the poor way that credit reference agencies handle flat numbers, but those threads don't say what to do about the issue. So here's the thread to tell people what to do. I'm going to suggest how it should be handled, as a victim, sorry, consumer, and then hope that people better in…
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"Fair" credit rating stopping me from getting contact phone??
Hi there, I've just tried to purchase O2 and Orange contract phones in the past and they've both been declined because of my credit rating. So I did a check on Experian see what the problem was and how to fix it. The only negative aspect of it is because "The age of your accounts indicates lenders are likely to view you as…
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Do all payday loans show on credit file?
I took one out for 2 months in a row just over a year ago before I started being careful with my money.. It doesnt show anywhere on my credit file? Just wondering if all payday loans do show on credit file? Thanks :)
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How far back does closed account information go
Hello There was a discussion in this thread but no firm conclusion was reached: http://forums.moneysavingexpert.com/showthread.php?t=4615043 Would a lender see six years of account information prior to the date the account is closed, or six years of account information prior to the current date? In other words, if a lender…
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I've ruined my husbands credit rating, help!
Hi, Can anyone offer any advice please? My husband has just received a letter from credit card company to say he has defaulted and not paid the last two months minimum payments. This is entirely my fault as I was meant to pay it off in full a few months ago. However I didn't check the statement for the next two months and…
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Help!!
I'm confused.... I had n account with Littlewoods in 2004. They sold my account to a debt collection agency in April in 2007 and was marked on my credit file as settled. (this has now dropped off my credit file.) with equifax, experian and noodle. The same month a debt collection agency took on the debt. I never…
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Defaults
Hi All, I wonder if anyone can help me. I have a number of defaults on my credit file which are due to drop off in late 2013/early 2014. I have paid off the majority of them, but I still owe about £2000 on two of them, which im paying in monthly installments. What I would like to know is, what happens to those debts when…
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Credit Defaults
Hi all, Looking for some advice please with regards to credit defaults. It is my understanding that after 6 years from the date of the original default the debt is wiped (I've heard Martin Lewis say so myself). I recently obtained a copy of my experian credit report which showed that the people I owed money to banks /…
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Equifax incompetence - is it legal?
Hi, I have 2 ongoing problems with my Equifax credit report. Firstly they have a defaulted bill on my account that doesn't belong to me, and should have been removed when I resolved it in 2009 (other credit agencies removed it). Since I started querying it with them a few weeks ago they've had confirmation from the…
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Debt collector calls - will they affect my rating?
I had mobile internet via Three with a dongle to keep me online for a few months between selling my old house and moving into my new one. I cancelled the contract in April 2012, giving the required 30 days' notice and I then cancelled my direct debit in mid-June 2012. A couple of months later I started getting missed calls…
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Problems with o2
Morning campers - Basically, o2 Tried to screw me for data used in 2009-2010 I fought it as it was part of my package (i cannot remember the whole case) Boiled down, they asked me for money I refused, so they cut me off, which I was happy with because I wasn't being bullied into paying -I challenged it, won and didn't owe…
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Equifax Credit Score
Hi all, We've been applying for a mortgage over the past few months and I've been sorting out my credit reports over at Equifax and Experian. There was one default which I have settled and this show as settled on both agencies. There is another default which was an error, duplicated from the above settled one. I have…
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Bailiffs for Previous Owner and Credit Score
I've been receiving bailiff letters for the previous owner of my property and was wondering if this would impact in any way on my credit score? It appears that his car is still registered to my address, and as I have been returning all post to sender he has not received or paid for a parking ticket/congestion charge fee…
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Incorrect late payment worth contesting?
Hi, I have just checked my credit report and noticed a late payment on there from 2011. It was caused by me paying off a HP agreement early (in full) so i could return the car prior to moving abroad but BMW tried to collect a dd payment after full settlement had been agreed and after I had cancelled the dd So in…
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satisfied default loan options and 6 years almost up
Hi all, I have searched the net coming up with a MSE page that im not allowed to link to but it pretty much answers my question, I just wondered about this 6 year default thing? I take it the default is registered for 6 years from the date of adding and not from the date of satifying the debt? What happens when that time…