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Mortgage Refusal - default removal
Long story short, we have been paying a DMP for several years now and we only have 2 creditors left on this (Started with 9). We have been looking at getting a mortgage and the 1 thing that is stopping us is that one of the remaining creditors has us down as 'defaulted' as they have not been receiving the minimum monthly…
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Sudden experian score drop
Hi everyone, I'll start this by saying I know that the actual number given by credit ref agencies isn't what a lender actually looks at but.... My experian score has dropped by 150 points overnight from 'excellent' to 'fair' and I don't know why. I don't pay for the extra report but noticed that in the summary my credit…
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Credit Score
Hi All, I have got a credit card to improve my credit score by using it for some of my day-to-day expenditures and then having a direct debit set up to pay the statement off in full each month. Will my credit score improve significantly quicker if I use my credit card for ~£500 a month compared to ~£10 a month for example…
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Lowell default incorrectly placed on Equifax credit report.
Would really appreciate any help on this. I’m going through a living nightmare. A couple of years ago I received some threatening letters from Lowell chasing payment for an account with BT. Having never held an account with BT, I was pretty confused and called them up. After speaking with someone over the phone, it became…
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MSE Credit Club
I was wondering if the MSE Credit Club will allow me to see if there has been unathorised credit checks run or other suspicious activity etc? Similar to Experian, I appreciate that MSE Credit Club is monthly rathern on demand. Many Thanks
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Defaults
I have recently been told by my insurance company that they will be issuing a default on my credit report because I was 2 days late paying my insurance. I am on maternity leave and the initial date of the direct debit has always been awkward but as I was working full time I luckily always had the money to hand, on this…
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Experian and Equifax
How can the scores be so vasty different on the two? I have 987 on Expedia and 617 on Equifax. So excellent to good. My husband has 976 and 517 🤔 so excellent but only fair on Equifax.. Can anyone shed light on this. It seems very strange they can be so vasty different.
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Overdraft - to keep or not to keep?
Is having an unused overdraft good or bad for credit rating please? In have £1500 at the moment, considering reducing it
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PRA Group
Has any one had any dealings recently with PRA Group? After further scrutiny of my multi credit file, its appears that they have decided to add £1 extra to the 5 defaulted accounts with original debtor. These accounts where all settled in full about 6 months ago, another trick ive noticed is they have been marked as…
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Welcome finance
I took out a secured loan with welcome finance late 2007. In 2008 I was declared bankrupt and even though I knew I couldn’t put this loan into my bankruptcy i went to welcome finances office in Southend to show them my paper work and to explain I wasn’t in a position to make my payments. they took copies of all documents…
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Electrol roll if indefinite leave to remain?
Can someone get on the Electrol roll if indefinite leave to remain? not uk passport but right to work in the uk? if they want to improve their credit score?
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Is it worth linking Bank Account to Credit File
I keep wondering is it worth linking my bank account to my credit file. No concerns with my credit file but do wonder if linking bank account might give some different offers on credit cards or loans. Only got the one bank account and I don’t use my overdraft.
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Bad Credit Rating - but cash rich!
Hello all, Hoping someone can help. I currently have a poor credit rating having entered into an arrangement with credit card providers just over a year through StepChange Debt Charity. My circumstances have, however, changed massively in the last couple of months in that I have inherited a significant sum of money. I will…
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Why does Experian show a late payment missed two months ago for an account that settled in 2017?
I see this when I log into my Experian account and then click on Score History, and then on Negative Influencers and then Late Payments. The other late payment 5 months ago is accurate, but the other one is a current account where I went into overdraft and had to pay monthly interest. That account was paid off and closed…
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Should all credit agencies ideally hold the same information?
Morning so i was examining my experian report today because this was the only one i have ever used and discovered that not all the debt information held about me was correct, so i thought ill just join up with clear score and found that other pieces were correct and again other pieces were missing ive tried joining up…
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CIFAS False Identity Marker
Hi all Asking on behalf of a relative, whilst I thought I knew my way around personal finance, CIFAS is pretty much unknown to me. My relative was a victim of identity fraud. During that time, applications for car insurance were made in his name, not sure if these were successful or if that is relevant here. They now want…
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AIP with Halifax even though account was closed in the past?
Hello… I have a bit of a weird question hoping someone can answer How reliable is a DIP/MIP/AIP from Halifax. Basically me and my girlfriend were recently given a Agreement in Principle after our broker applied for us through Halifax. They agreed and said they would just need payslips from us. My girlfriend has a default…
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In hospital - remove default?
Hi, Newbie here! I was taken into hospital for 6 weeks in November through to Christmas, then was on bed-rest for a while due to effectively, a heart attack. I was unaware of being chased but didn't realize the bills weren't going out as they weren't DDs. One lender has closed my account but is recalling it so I can pay it…
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CC Balance Transfer Has lead to same debt showing up twice on Credit Report
I have two Virgin Money credit cards. The low interest deal was running out on one so I got a Santander CC to transfer the balance to. Stupidly when doing the transfer, I input the card number of the wrong Virgin Money card. I noticed straight away and within minutes I had called Santander to stop the transfer and it…
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CCJ recieved but already paid the outstanding claim
Hi I have now received a CCJ The claimant did a online civil money claim against me which I paid immediately (2 days after I received it) so I had 2 days of interstate on top which was 2p. The claimant is refusing to acknowledge my payment and Ignoring all my emails I just need him to confirm with the courts I have paid…
