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Multiple credit checks for SIM deals
Currently, I pay monthly for 5 SIM cards which I arranged for my family. I would like to switch all the cards to a new provider with me continuing to remain the account holder. I understand that I may have to have 5 separate contracts and be hard-credit-checked for each? I think this is perverse and an abuse of the…
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Equifax Account Verification
Today I tried to create an Equifax account, but at the last step, it came up with a message saying that they needed to verify my identity. It then gave a number to ring. When I rang the number, I was told I would need to send copies of personal ID which I am not keen to do. Is this usual? What reasons could they have for…
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Very Me-Contact email
I bought something from Very Me a few days ago. It said on their website if I took out a credit agreement with them and used the code 'Welcome' I'd get 20% off. This wasn't true so I paid for the item using other means. I emailed them at help@very.co.uk to ask them to cancel the credit agreement but it bounced back. I…
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Wrong Information on Credit File
I’m sure this has been done to death but checking my file today noticed 2 out of 5 credit card accounts were wrong. The 3 correct accounts are all zero balances and haven’t been used for months if not years so they should be correct. The M&S card which is used for food and cleared monthly is lagging behind, not alarmingly…
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Octopus Energy - Credit File
Hi all, I was transferred to Octopus Enery when Avro ceased trading last year. I have since had a notification from Credit Karma that my score had declined. I logged in to find out why and it is because Octopus Energy have set up a new account and are reporting payment history etc as though it is a credit account. I have…
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Experian (Credit Club) plummeted relative to others?!
Hi. I've been regularly tracking my scores in three CRAs for a while - Clearscore (Equifax), Credit Karma (Transunion) and MSE Credit club (Experian). I understand that actual scores are like the bars on your wifi icon, ie meaningless, but I would think watching them move one way or the other gives an idea of direction of…
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Corrections on Credit File
I received an 'update' from Clearscore asserting an update to my electoral roll address. This update was entirely wrong so I set about trying to correct it as I was about to apply for a new card soon. I obtained confirmation from the Council Electoral Office in e mail and so opened a case with Equifax from whom Clearscore…
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Rating dropped, about to apply for mortgage
Hi, My partner and I have been looking to purchase a house for over a year and finally found one, we have put a reserve down and going though the motions. I was about to apply for a mortgage through a lender this week, when I found out my credit score has dropped two ratings, I had a near perfect score with Experian and…
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BW Legal have sent me a letter
Hi people, I'm a newbie here so apologies if I'm posting to the wrong place. Basically I'm trying to improve my credit score and wondering why it won't seem to budge from 'very poor' despite making sure I'm doing all the things suggested to increase your score over this past year. .. then hang on a minute! what's this…
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Default date question
Back in 2015 I took out a Halifax loan..however in Jan 2016 I set up a DMP with Stepchange to pay off everything (now done and dusted).. however at the start of the DMP Halifax kept putting me on payment plans every few months rather than defaulting me..I was just checking on my Transunion data in the last few days and it…
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Applying for mortgage with credit card debt not under proper name
Hello My partner and I will be looking to apply for a mortgage in the next few months. I wanted to ask a question about the mortgage application, specifically what mortgage providers look at on bank statements. Long story short: I have two credit cards that are under the name that I am known by, not the name on my birth…
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Old notice of correction for ID theft - does it affect mortgage lending?
Hello, In 2019, I had my identity stolen and then placed a notice of correction on my file with Equifax, as follows: I, [NAME], HAVE REASON TO BELIEVE THAT MY PERSONAL DETAILS MAY BE USED FRAUDULENTLY IN AN ATTEMPT TO OBTAIN CREDIT. I WOULD ASK ANY LENDERS SEARCHING MY CREDIT INFORMATION AT EQUIFAX TO ASK FOR THE PASSWORD…
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Vodafone error
Any help please, Vodafone have added something to my credit file in error (has taken 4 months to get this far) however I am still waiting for it to be credited and removed from my credit file. I have raised a complaint with Vodafone they however keep saying they are going to call me and never do. When I try and call them…
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Credit score gone down for no known reason
I have had a credit card with Barclays for years and years, have never been late with payments or missed any. I had a credit limit of £10,000 but probably only ever used up to £3,000, and always paid it off quickly by paying lump sums and never minimum payments. Used for mainly holidays once or twice a year. Just a few…
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Unable to get credit
Hi, I have a perfect credit rating score experian 999 but recently got turned down by Klarna and previously a couple of loans. This also happened before when I tried to get a mobile phone. A long time ago I had my card cloned and this led to an issue with Carphone Warehouse as they took out phones using the card. Is there…
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MSE Credit Club - Defaulted Account not Settled/Satisfied
Hello, Hoping to get help with a defaulted account. I swapped mobile providers away from Vodafone in late 2020, but due to moving I missed the last payment I thought I had repaid. I had a balance of £57.00 that was left over - this was defaulted after a few months and I recieved an email from CCS Collect for the payment. I…
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SIRA - N Hunter and CIFAS aren't alone
This might be useful to anyone already aware of CIFAS and N Hunter, and anyone who's had a credit application turned down for "inexplicable" reasons. CIFAS and National Huter are fraud prevention agencies which can hold information about us which leads to future applications for credit being declined even when our credit…
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Defaults and how they appear on credit file when sold.
Evening I have a credit card that went into default. I was aware of the default for over a year and kept ringing up to pay it without knowing. When I was aware I set up a payment plan with the company. The agent was very blazey and said pay what you like there is no interest. So I start to pay of £50 a month. A few months…
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default listed multiple times on credit file
hi , back in 2018 i went through a bad breakup and it left me in a bad financial situation that resulted in me defaulting on a credit card i had at the time . since then i have been working hard to get it sorted and have been paying it off but the debt has been passed from one company to another. each time this has…
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What to do - Mortgage in a few years
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