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Vodafone rejected contract
My wife and I have been following all advice on MSE over the past year to get our credit scores in shape ahead of applying for a mortgage. In any case we have and have never had any debt, with the exception of two credit cards which we pay off in full every month. Our address are up to date with every company and we are on…
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Full and Final offer help
I have an outstanding debt, which defaulted in 2010 for around £1500. I received a PPI refund of £800 and offered the whole amount as a full and final offer to which I was responded that they could not accept it and would be unwilling to give me any discounts and want the balance in full. I have maintained payments at a…
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Is what we see on our credit file really what is seen in a credit check??
So thought I would pop on and have a little rant and warn others. Simply put.. the file you pay £14.99 for per month and shows you a lovely (although meaningless) score, I believe is not the same file that they share with any institution doing a credit check on you. As in do Credit Expert (Experian) show us one file and…
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Poor credit score due to bad finance in the past
Hi all, I moved to the UK 5 years ago and managed my finance really poorly the first 3 years I was here. I fell into the short terms loan cycle as well as credit card debts while spending more than I could afford in London clubs. A much better paid job, a financially responsible fiancee and a lots of regrets pushed me to…
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Getting a Credit rating after living away
Hi, we have been living in Canada for over thirty years but have now repatriated. We have a fantastic credit rating in Canada but with being away so long do not have one here. We are mortgage free and pay our bill by direct debit. We'd like to take advantage of interest free offers on carpets etc. but can't get accepted.…
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Do credit reference agencies know your income?
Do credit reference agencies know your income? I know your current account gets reported to the agencies. But do they give them any income details etc.
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Keeping 999 score whilst renting
Hi, I have decided to boost my saving capacity for a mortgage by moving from a £1200/month (+ bills) rental to renting a room for 6months at a friends house for £500/month (all inclusive). My current credit score on Experian is 999. What tips can you give me to keep it that way? At the moment all of the bills are on my…
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Late credit card payment
A friend of ours had a credit card from Capital One for his wife and had an outstanding payment of £280. He usually pays between 30-40% each month of the balance. In 2014 they moved house and due to an oversight did not make a payment until he received a letter from a collection agency demanding payment. He got in touch…
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Credit Limit too low
Hi, I recently used Experian's free trial to look at my Credit Score. I had one negative on the report which said that my current credit card limit of £1000 is too low and indicates the banks may be reluctant in giving you a bigloan. I have had this Credit Card for 5 years when I started university and was given a credit…
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Dodgy email
Hi all I've just checked my junk folder for a password for something and noticed a text only email invoicing me for an amount that is the exact amount of one of my debts. It looked pretty spammy with no company name, just a persons same followed by 'head of finance' and I won't bother taking it seriously but just wondered…
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Santander vs Fusionx212
Hi All, thought i'd swing by with some goods news. I raised a complaint to santander using the Resolver service on the basis I had not received any correspondences about defaults and arrears on my account. back story being lots of running around after santander to prove my accounts, being told new day was responsible now…
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New free credit report Clearscore (Equifax)
MSE Insert: Check our Clearscore info and credit score guide for more help. Back to the original post... Has anyone tried this out? They receive your history from Equifax it seems but are a completely independent company. https://www.clearscore.com Looks legitimate:…
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Address Format & Electoral Register
We moved in December last year and one of the first things that I took care of us was making sure that we were registered on Electoral register. Got confirmation through within a couple of weeks, and more recently our cards for the local elections on 5th. Last week I was declined finance for purchase of a bed at Bensons…
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Does applying for credit cards affect credit rating?
Hello I would really appreciate any advice regarding my situation. I am considering applying for a 0% balance transfer credit card to transfer my debt from AMEX in order to save some money that would normally go towards the interest. Thus using the money saved from the interest to actually pay the balance is the plan.…
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OMG is this Good Old Britain gone mad.
I returned from a period in Spain on 23rd November 2015. Waiting for me was a letter from a debt collector. It would appear that I had gone to Spain and not finished paying for a dongle! I paid the £38 and asked that it be recorded that it had been paid. However, then realised I could not get credit and began the search…
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British Gas late payment error
Hi, I opened a British Gas account in my new property back in 2013 and have never missed a payment (or any other credit payment). I applied for a remortgage and got rejected due to credit score being poor. So I looked at my report on Experian and was horrified to find it was down at 706. I looked closer and saw I had 4…
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Experian etc, who can see my updated information?
Hi folks, I have a question which may sound a little odd but here goes. I have wanted to start to rebuild my credit after it was wiped out following an accident a few years ago which left me incapacitated and broke. The first thing I wanted to do was check my credit score but the only thing that has put me off is I recall…
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credit report help !!
Hi all and thanks for taking the time to read my post. This is my first post here so sorry if my question has been replied to before. Okay so heres my problem... I recently decided to take a loan out but was declined by the lender so i signed up to noodle to check my credit file to see why. After checking my file i seen…
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Paypal chargebacks 😡
Hey looking for some advice, I recently helped a so called friend out by requesting money through PayPal from them as they didn't have online banking then lifting it out and giving it to them, this happened 3 times. now several months later they have claimed chargebacks through their bank and I now have a -665 negative…
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Do car Insurance payments affect your credit rating?
Do car Insurance payments affect your credit rating? My car insurance renewal is due soon, I've heard that paying yearly rather than montly is better for keeping your credit rating good, is this true?