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Advice for a DMP?
Hi guys, wondering if i can get some advice before I bite the bullet. I’m currently paying off debts, but struggling to keep up with what’s coming into my account and going (in terms of debt payments), I’ve been contacted by a company named stepchange saying they can help with this issue. my query is, if I go into a DMP,…
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Klarna - Keep or Delete
Hi all! Quick one here. I used Klarna to pay for some car repairs. It shows on my credit report as an open account with a £0 balance. All good that’s a true reflection of what’s happening. is it better though to close my Klarna account and not have a £0 balance on my credit file or does it not really matter? Any advice…
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Incorrect information
Hi, Need some advice regarding having an incorrect address on my credit report, I have raised a dispute with equifax regarding this but seem to be hitting a brick wall, any help would be kindly appreciated
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default not dropped off
Hello Just wondering why a default from 04/01/2016 would not have dropped off my transunion stat report yet. Dropped off from experian and equifax all fine. Thanks
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How long for ombudsman to be allocated on average after business disagree with adjudicator decision?
(Sorry it’s not the correct place to post but I couldn’t find an financial ombudsman service forum) A capital One credit card was fraudulently opened using my details and they refused to accept my claim of fraud so I taken it to the financial ombudsman service. The adjudicator upheld my complaint that Capital One acted…
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Defaulted Account
Hi all, after some advice please. Im currently in a DMP through StepChange, ive just checked my credit reports (Equifax & Experian) and have found that the original creditor i.e Creation Consumer Finance have defaulted the account as expected but then Lowell who have purchased the debt have now started updating the credit…
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Disputing a hard search on my credit file
Hello MSE forum members, I recently applied for Klarna credit for a new phone purchase, I did this through the phone manufacturers website. I entered the correct details, but I received no decision either way after the supposed credit check, I was simply left with a screen that was continually loading for over an hour…
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Dfs finance on a dmp
I have 3 payments left on my dmp would i be able to purchase a sofa from dfs on 0% finance.without it causing issues with my plan.Can anyone help?
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Best way to pay off credit - Individual Transactions (vs) Direct Debit Full Statement Balance
Hi everyone, I can’t seem to find a definitive answer as to which is the best method to build credit, while preventing 'credit account closure' and 'reduction in credit limit’. Please assume everything listed below is ’set up correctly’: Option 1) To pay off individual transactions manually (at the same value) as soon as…
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Disputing records of nearly 30 late payments on my credit file
Okay. So. Over the past few years I've had reduced payment plan arrangement with creditors I am in debit with. They agree to freeze my account and not charge interest while I pay them back an agreed monthly amount. I've just checked my credit report for the first time in my life today and there's a number of mistakes,…
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Soft Search by Prudential Distribution Ltd
My Credit Karma credit report is showing a soft search as detailed below. Does anyone have any knowledge as to what this may be? Soft search detail Prudential Distribution Ltd (Cval, Ct, R) Prudential Distribution Ltd 2 (Cval Batch Ml) DETAILS Purpose Anti-money laundering
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Resolvecall
Hi, I'm just after some quick advice please. In my younger days I was a bit silly and racked up a few debts. I ignored letters etc. and over the years they started falling off my credit report. Lately since moving house, i've been getting alot of letters from Arrow Global and now Resolvecall who are acting on behalf of…
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The close CC account or not?
Hi all. So I've just cleared a credit card by doing a balance transfer. The question is, as far as my credit score goes, am I better off closing the account or keeping it and either not using it or using it for small purchases but paying off in full each month? Thanks!
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Credit search affecting remortgage
My credit score is 760, using Equifax all is good apart from the following red !! * You’ve got three or more active loans registered to your current address. This is having a negative impact on your score. * You've withdrawn 3 or more cash advances on your credit card(s) in the last three months. Click here to see why cash…
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Setting aside decree - advice
Hi, hope this is the right forum but please advise if not. I was taken to the Small Claims Court (in Scotland) for three unpaid parking fines and associated charges costing approximately £600. Long story short, life has been busy - new baby, work, Covid etc. and I forgot all about it then sent in a time to pay response…
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FTB Mortgage and Credit Card
Hello allBit of advice needed.Last year I found a property as first time buyer and had 2 hard searches done and approved due to one valuation being too low and then second valuation being even lower.I now have a credit card which is past its 0% interest period.I can apply to a new card and it said pre approved so should…
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what to do if you cant find why you fail a credit check
whilst im locked out of my credit club (another post) ive signed up to clear score I ditched vodafone recently (two contracts) and took out ee payg sims, my partner wanted to go back to vodafone so i started a new and better deal contact for her (on our joint account) and i decided to stay with ee and upgrade to a contact…
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Financial association
Hi, I’ve had a financial association added to my clear score who I’ve not seen for about 16 years. The person mentioned has previous for fraud and there’s no reason they should have been added ive messaged clearscore who have removed them from my credit report. is there anything else I should be doing to make sure they…
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Mortgage Company or Broker?
I’ve had an offer excepted on a Grade 2 listed thatched cottage. I would like a small mortgage (12% LTV) as a safety net in case of any unforeseen issues. I’m tempted to apply online to one of the usual high street lenders, but due to it being listed, thatched and over 400 years old I’m concerned they’ll run a mile and…
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How to improve credit rating
My credit rating is hovering at the low end of ‘fair’ and I’m struggling to increase it. I have debts, which I have been steadily paying down for the last couple of years using the snowball method. It will probably take another couple of years to be debt free. I’ve never missed a payment. I’ve also stopped using all credit…
