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Default registered twice for same debt
I defaulted on a Barclaycard in January 2020, however the same debt was sold onto Pra group who have also registered their own default in February 2020. Is this legal? Any tips how to argue this Thank you
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Adding rent payments to credit file
Hi, I’m a bit confused at the moment. I want to apply for a mortgage and whilst I have paid off my biggest loan, leaving me in a decent place financially, my credit score keeps going down. I was wondering if adding my rent payments would increase my Credit score and if so what the best way of doing this is. Thanks in…
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Worth applying for Credit Card 6 months prior to mortgage application?
Hi all, apologies is this isn't in the correct forum, please feel free to move it My partner and I will be looking to apply for a mortgage in roughly 6 months time (first time buyers with good joint income and likely 10-15% deposit) In summer 2021 I paid off a fairly large balance on a number of credit cards, all of which…
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Transunion shows a CCJ granted 5 days ago
Hi, I've just looked at my Transunion credit report, and found that a CCJ shows from the 10th February from Link Financial. I've had no paperwork about it, at all. It's a disputed credit card, for just over £1,500. It was sold from a sub-prime lender to Link while I was disputing it with the card company, and Link never…
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Moving back to UK from NL - Advice
Hello all im a new member so hope I’m posting correctly here. My family and I are returning back to the UK from NL after 10 years. We are very excited and will take some time away from work for the first year to settle back into the Uk. As we have been out of the UK for 10 years and have no assets or accounts back in the…
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Excellent credit score but history nearly blank
My issue is a bit of a strange one in that if I check my credit report via the Credit Karma app my score is Excellent with a maximum at 9999 and when I view my full report on there the only peice of infomation it has about me is my D.O.B, no address, no credit cards, no soft or hard searches, no finaicial connections, no…
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Discount butler
I've had a random 24.99 taken from my bank account by a company called discount butler... I have no idea who this is and I cannot find anything online about them.. can anybody help please? Thanks in advance.. M
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Help Needed please
Help Needed please
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Penalised for late payment when payment was made within the same month!
Hi There, I am after some advice if someone can please help me. My car payment with Oodle Finance for last month was paid on the 30th January, not the 3rd January which is when the money should have been paid. I was paid late from work and called them to tell them that I would pay before the end of the month, I wanted to…
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Credit file / debt management plan question
Hi, I owe money to various lenders in forms of loans and credit cards. When Covid happened, I've been made redundant and I went into a debt management plan as the monthly interest total was way too much and I couldn't afford to pay it. I used StepChange to set up a debt management plan and I assume all lenders have been…
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Bank account from 1983
I opened my main current account in 1983 and it does not appear on my credit reports from Experian, Equifax or Transunion. I am aware that this is because the account pre-dates the date when opening a bank account also gave authority for them to report it to the CRAs. What I would like to know is if I apply for credit and…
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I challenged a default Virgin Media placed on my credit file, does it sound like it will be removed?
I'm having difficulty understanding exactly what their e-mail response is saying (it doesn't seem well worded):
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Credit Report - Removal
Hi, I’m looking for advice about removing something off my credit report. Basically I had a pay day loan from Sunny Loans 5 years ago, defaulted. Since then Sunny/Elevate have paid me a small compensation as it was ‘mis sold’ I was also told it would be removed off my credit report. As people will know 5 years is a long…
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Debt Advice - payment arrangement
Hi all new here and wish I had visited sooner. About 6 months ago I struggled as my rental property was empty and various obligations financially I called two of my credit card companies and asked for support. I stupidly entered into a payment arrangement not understanding the adverse effect. (I know, I know) Anyway roll…
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Old payday loan debt - should I pay it all off?
Hi all, I got in to some trouble around 2017 with payday loans, usual story... I managed to get most of them written off and even got my interest back. One that slipped through the net, which was totally my fault was a loan with Lending Stream (debt being recovered by ACI) - I missed the chance to take them to the…
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Should I pay off my debt or fight it?
To make this post short and sweet, I am going to bullet-point the events: * September 2014: I got a contract with Vodafone for an Apple iPhone 6S. * December 2014: The phone stopped working, and I sent the phone back to Vodafone for a replacement. * February/March 2015: After many phone calls with Vodafone and not…
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Using Klarna to build up credit history?
My credit history is generally good but I need to have some more recent entries in my file. I find the idea of using my existing credit card for everyday purchases and paying it back quite fiddly and annoying. A home appliance has recently stopped working, so I'm considering buying a new one (approx. £300) using Klarna 3…
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Random charge from "Discount Butler Ltd"
Hi all My partner has had a random charge of £24.99 from a company called Discount Butler Ltd. I cannot find anything about them online. His bank have said it looks like a subscription so they cannot do anything about it but it may be related to credit reports / checking. He hasn't used anything since August. Has anyone…
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Does taking out a credit card really increase your credit score?
I have read both that it does and doesn't. I'm unsure what to believe. I took one out (my first) in mid 2021 but haven't used it at all. Will this affect my credit score at all? I'm not versed in credit cards and was apprehensive about taking one out (due to horror stories I've heard over the years).
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Same name affecting credit rating
Hi all. We have a scenario at home where by my Dad lives in one property and my brother lived at another, similar names, same postcode and my dad and brother have the same initial and obviously the same surname. Brother moved 2 years ago and was terrible with money and constantly getting into debt, this is now affecting my…
