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Should I apply for more credit to reduce my utilisation?
Hi all My credit usage is high and CRAs say I need to reduce it to improve my credit score. so if I applied for a 0% balance transfer card, would this work? So I would increase the amount of credit available to me and hence reduce my usage then make payments on the interest free balance or is still to simplistic approach?…
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Sky hard credit search - without permission
I was looking on the sky website thinking about purchasing a tablet from them, I took to check out to see how much the final cost would be. It prompted me to sign for a credit agreement and permission to perform a hard credit search - thinking about this I declined it. However a hard credit search has now appeared on my…
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Cifas marker has been removed but when will it removed from cifas database
Hi I have a separate question, My CIFAS marker placed on me has been removed by my bank 5 days ago I done a DSAR check the next day, I got the results a couple days later, and it came back as that I still have the marker on my file, should I wait a month or more so the records can update could someone explain me what to do…
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Credit Club update error
Anyone else experienced their Credit Club report not being updated?
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Fraudulent Loan on Credit File
In 2017 somebody took out 4 Pay Day Loans in my name, along with a bank account with an overdraft - with which they just withdrew all the cash from the overdraft. I discovered these accounts in February 2018 when the debt collection companies contacted me at my new address. Since then I have reported all the loans as…
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Surprise Default notice on credit report. Need to apply for a mortgage
Looking for a spot of help / hope. Applying for a mortgage with my wife. My file is all healthy we thought my wifes was but discovered 4 years of default for plusnet mobile. We have never taken out a plusnet mobile , it looks like it was never paid . Plusnet does have my wife's name + email on file but took them a long…
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How does a 17 year old do a credit report check
Hi I am 17 years old and want to do a credit report check every website I go on says u have to be 18 plus to check I want to check because I just got my CIFAS marker removed it was a missuse of facility one and I need to check my credit report if it is on there thanks
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Mixed Credit File
My credit file has been mixed with that of another person. This person has a similar surname to mine (but is not the same) and lives in a different part of the country. I first noticed the problem about 10 years ago, raised disputes with Equifax/ Experian who would contact the companies who held the record but they…
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I was told my Cifas marker was removed but it’s not
Hi I was told by Starling Bank that the cifas marker they put on me was removed but after I got the DSAR from cifas it is still on record I don’t understand can someone please help
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Electoral Roll information missing on one credit report
Hello everyone, wondering if someone could advise on this. I've just checked my credit reports with Experian, Equifax and Transunion, just to check everything's in order (hoping to get on the housing ladder in the next couple of years). My CreditKarma/Transunion report is 'good', but it says that I'm not on the electoral…
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Electoral roll quandary when in between homes
We are in the process of selling our home and buying another property but there will be a period of approx 6 months between selling the current home and completing on the second. In the interim, we plan to live in a static caravan on private land. My question is with regards to our listing on the electoral roll for this…
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£20 Default from 2018 - how much will this affect my future credit (mortgages)
I have recently accessed my Experian credit report because I'm considering moving house and will thus need my credit to be in good shape to get a mortgage. I was surprised to find a default of £20 to Ovo energy from 2018. As far as I was aware I ceased being their customer in in Dec 2017 and didn't know of anything left…
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I have no missed payment markers since Feb 2020, but loads before that date, how much will this...?
...affect my ability to be seen as credible in the eyes of lenders/landlords/those who check credit reports etc.? I was extremely irresponsible with money up until that time and I decided to take my finances seriously and I have no missed payment markers since. Still, the missed payments prior to this still shows on my…
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Anyone else have a Credit Karma issue?
Received an update on the weekend, checked the report and credit info was completely missing, other info was out of date etc. It's as if their api wasn't working anymore. Just checking if anyone else noticed anything similar. If not I will have to complain with TransUnion and that's always an ordeal.
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CCJ Consent Order Costs
Hi guys I wonder if anyone can answer a question I have regarding CCJ fees. I found out a CCJ had been entered against me by a collection agency after collecting mail at an old address. I don't dispute the debt and agreed a repayment plan with Stepchange. I'm paying £5 per month, am currently on Jobseekers' Allowance. I…
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Can't understand why my credit score has nose dived
I get that credit scores fluctuate, and I also know that opening new accounts can have an adverse affect. What I can't quite understand is why my score has nose dived by so much. Looking at my "Credit Karma" account, my score has gone from "Excellent" to "Fair" (loosing 60 points) since December 2021. I have opened some…
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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…
