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Credit file and matching addresses
I am a little worried that different institutions have slightly different variations of my address and that when they come to do a credit search, that they won't find me because of this. (I have already had a rejection for a mobile contract when as far as I am concerned, I should be the perfect potential customer) Some…
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Can you look up a credit file of someone else?
Trying to find out info on a family member who is ill. Can you look up equifax, experian etc on somebody else. From their site I cant see you can do this. Thanks.
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Removing partner from joint water bills
Hi all, I have a situation where there is a default on the joint water bill. For 'domestic' reasons, I want to remove my wife from the account. Does anyone know if, a) this is possible, and b)what will be the impact on the credit files, as at the moment both parties have a default against them. If she is removed as I need…
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Managing Available Credit
Hi all Looking for a bit of advice. We are planning to move in 4 years time once our youngest starts school therefore want to get our finances up to scratch ready to apply for mortgages. I earn just over £22k yet I have £17,700 available credit split between 3 lenders: £5000 Next - £300 balance paid in full each month…
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Credit Rating bad luck?
Okay so firstly, I'm 20-years-old and I want to boost my credit score. The only proper loan I've ever taken out is a "peer2peer" of £250 but I'll be paying that off completely at the end of the year (I've never missed a payment). However, this hasn't shown up on CreditExpert and I was wondering will it show up only when…
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Marking as Default as "Satisifed"... timescale?
Hi As part of a mortgage application my broker has spotted a default of £3.85 from BT. Yesterday I paid this in full with Past Due Credit Solutions, who assured me that they inform BT accounts daily of settled accounts. How long would it take for BT to inform Equifax that the debt is satisfied? I asked Equifax for advice…
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Can you have too much available credit?
Is it possible to have too much available credit? The reason I ask is that Virgin Money have written to me to say that they have reviewed my account and want to increase my credit limit by £4k to £10,300. The balance on this card is currently £760 which is also 0% as part of a BT. I have one other credit card with…
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Car loan affect future borrowings
From experience, how can a car loan (PCP, high amount borrowed but small monthly payments as its PCP) affect future borrowings? Can it affect mortgage applications?
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Help with CCJ
3 years ago I took the local County Council to court following an accident that I thought was caused by their negligence, through a 'no win, no fee' solicitor and had to take out ATE (After the event) insurance in case I did not win (quite a rarity I understand). I lost the case and assumed the insurance company would…
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Will my CCJ effect my mums mortgage?
Hello, I'm wondering if anyone can help with the above question. I live with my mum and have recently had a ccj put on me, but I'm worried that as its registered against my address it's going to effect my mums mortgage. I don't want her to find out about it as she has too much to worry about already, but if it's going to…
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Cancellation Policy Affecting Credit Rating?
Hello Everyone, I have question, I cancelled a motor insurance policy with Cop Op a few weeks ago a day before it was due to start, received my deposit in full. Having called them twice to ask for my cancellation of policy letter they still haven't sent me one but insist no money will be taken out and it will not have…
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cci and 2 other debts
hi all looking for some help i looked at my credit report and have seen that i have a ccj and 2 debts that i don't no anything about in nottingham and a address link as well and i have never been there let alone lived there. how do i go about removing them from my report thanks for the help
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Credit Score on Purchased Debt after 6 years reporting with original lender
Hi, I am at a loss to understand the credit report in the situation where a lender has purchased a debt. I had a debt from a COOP bank card. This was reported as 6 months arears. It was part of my DMP. Five years into the DMP COOP gave me a default notice which I contested and won my case. The following year (Year 6) the…
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Credit File dispute/Data Protection Act beach - Santander
Hi everyone Let me outline a situation below for anyone with professional knowledge to comment on what may be appropriate compensation; Last year a job offer from a Financial Services Organisation was withdrawn due to failing credit. I work in an industry where well maintained financial accounts are a prerequisite. Since…
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Paid off loan not showing on credit file.
Hi, A couple of years ago I took out a £5000 loan to buy a car. Last month I sold the car and paid off the loan with the proceeds (slightly over £3000). My intention is to take out another loan, which I applied for today, but I got rejected. I've just checked my credit file ( I know I should have done this first!) and the…
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Default dropped off and rating did too
Can someone give me some advise please? I've been trying to clean up my files for over a year now after having been very reckless with a few credit agreements and not realising the impact on my rating. Long story short- a default dropped off my record this week and due to the age of it actually lowered my score! I have…
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Default question
Hi, Partner has a default from when her ex-husband went bankrupt, thus putting the overdraft (he took out) on their joint account into default status. Have been paying various DCAs £5 a month for a while now, it's approaching six years and a DCA agent said to my partner once its passed six years she doesn't have to pay…
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cifas - how long for and is there any way I can contest?
Hello everyone, New to the forum so hope I'm putting this in the right place... Last May (2012) my partner and I had our joint savings account closed down with a bank due to fraudulent activity. I had no idea why this happened until my partner admitted to me that he had cashed a cheque that came through the post and didn't…
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Multiple House Numbers - Can't be found?
Hi All, Having a few issues with soft searches on Zopa and MSE. I can't even find my records with Clearscore. I'm not sure if it's linked to multiple house numbers my current address. For example, my address reads: Flat 15, 10A Fake Street Oxford OX10 2AB Do you think this may be a factor or not? I managed to get the MSE…
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Experian says card 'invalid'?
Hi. This might sound like a ridiculous post so I apologise in advance but... I have spent the last hour trying to access my credit score online via Experian's free trial but for whatever reason their site keeps insisting that my debit card number is invalid. I have checked, double checked and triple checked... I am typing…