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Which Credit Report
Hello I'm new too all this and I'm sorry if this has been asked before. I'm looking to find out which credit report is the main one that lenders look at as I've looked at the following Call Credit, Equifax, Experian - all on free trials and they all give me diffrent information. In the end I've signed up with noddle which…
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Removing incorrect address
Hi. It appears 1 (maybe more) credit rating agency have been given an incorrect address for me. Do I need to complain to the card issuer to get it removed or should I write to the agencies and get them to remove it. Basically when I told thecard provider I'd moved house they misheard/mistyped/misunderstood or else I told…
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Credit file queery
Hi all. I am looking into cleaning and rebuilding my credit report/history having been discharged from a joint IVA back in Aug 2012. The IVA has been removed from my report and over the last few months the score (I know it doesn't mean much) has slowly been improving to a fair score of 797 with Experian. On Noodle it is…
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Default and Mortgage
Just wondered if anyone can give me any advise. I have a default for £1500 with Barclays which is satisfied and due to be removed in April 2014. I have a 15% deposit available and have found a house I want to buy (currently living at parents due to separation) but am really worried about applying for a mortgage and being…
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PPI Success and Default
I have recently had a few successes with PPI refunds for accounts that werein default. Do you think I could argue to get the default removed? My complaint was thatI lost my job and couldn’t work due to illness, and couldn’t make the payments,whilst all the time I had PPI and was never advised that I could claim on it.My…
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Check my file trial or 3 reports?
Hi, I want to have a look at the damage on my credit file. I know it's poor but I have some defaults with Vodafone that should be coming off now. I'm not bothered about my score as such I just want to make sure the data is all right as I have moved about a lot in the last 3 years. I am also not applying for any credit…
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Bad credit advice
Hi all I hope you can help I have two questions... Here is a brief history... I went Bankrupt about 5 years ago. I have Built back a little credit and now have my own bank account And insurance paid monthly etc but my credit rating is very Bad obviously. I pay equifax £6 per month and have written To a few of my old…
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Equifax is slow
When I want to obtain a report from Equifax online, it takes maybe 5 minutes to actually do so! Have to reload the pages a couple of times etc.. Is this how long it takes for anyone else?
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comet store card nightmare
hi all I am currently trying to clean up my credit file but have stumbled on a problem with one of my previous lenders. comets as we all know , no longer exist . can any one please advise me on who to contact to settle accounts for comet store cards ?? its one of my last "loose ends" and I really want to get it tied up. I…
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asking for your credit rating leaves a foot print?
Hi All, I've tried searching but as you can imagine with words like "credit search" & "reference agency"...there is loads of everything comes up. I'm looking at a first mortgage in the next couple of months so I've checked my credit rating with Experian,all seems correct,however,I would like to check it with another CRA…
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The six year "rule" at Equifax
Did you know that after six years from settlement/default your old account information is not automatically deleted by Equifax, and if you write to them asking them to sort it out, you'll get fobbed off with "not our problem"? No, I didn't either! I was somewhat confused into thinking their statement on the website saying…
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credit report advice
hi, a couple of years ago i signed up to experain credit expert and cancelled it before the free month was up. i now want to check it again but a cost of around £15 per month seems a bit to much. however i have been looking at adding barclays credit manager for a cost of £5 per month to my currant a/c. my question is does…
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Credit Report & Addresses
Hi everyone, I'm thinking of hopefully applying for a mortgage in the near future and have a query about my credit report. Basically I am renting at the moment and have done for the last five years so I have a couple of past addresses. Address A is my parents home, which is where my bank account and credit card details…
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Credit file - Electoral Roll - 'Restricted Use'
The electoral roll section of my credit file is reporting 'Restricted Use - Yes' under my current property, but is showing 'Restricted Use - No' under my previous address. I seem to remember when joining the electoral roll this time that there is an option about how publicly available your information is - is this what…
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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…
