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Marriage and financial links help....
Morning all; Although my new husband and I won't be linking ourselves financially through any joint accounts (I am keen to keep this area of our lives completely separate because we both have different attitudes to money), will a joint utility bill create a link between us? Ive just been added to the council tax and water…
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Why is my credit rating 'Excellent'?
I have 5 defaults from 2011 all showing clear as day on my Credit Report yet my score is 988 (Excellent). How can this be? I checked my rating as we'd like to move to a bigger house (another baby on the way) and thought my rating would be terrible. I'm guessing a mortgage provider would check further down the report than…
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Credit Score is High, Will I Get The Credit?
Hi, I have previously defaulted on two credit accounts, however, for nearly 3 years I have made consistent and regular payments bringing the total owed to both lower than £900 and my Experien credit score currently sits at 976 (has done consistently for 3 months now) We are considering new sofas from Sofaworks, this will…
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Electoral Roll
Hi all Just checked my Equifax after moving property back in June. My electoral roll was added as of August and says I'm on at my current property but it is still flagged as red. Why would this be? I'm really after a new credit card but this is preventing me. Thanks.
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Credit files question
Hi I have just viewed my credit file with check my file and noticed that my default which is due to come of file in 2017 is marked with 2 boxes next to it with the letters ca and eq which are obviously the credit agencies. However, my CCJ has the above two and ex next to it. Does this mean that experience do not hold my…
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Experian Manual Update Filter Through
Hi there, I have contacted a company who made an error on my report and have sent all of the credit reference agencies a "Manual Update" to my file, does anyone know how long this takes to go through and appear on the file? The mortgage company I will be using, use Experian and I have a subscription with them, so can view…
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cant get credit report
I am getting rather frustrated with these credit systems. I want to check my credit report but i need a bank account. I cant get a bank account because i have no credit or bad credit, how am i supposed to improve or rebuild my credit if i cant even get a simple uk bank account. I have to do everything in cash n use other…
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Account no longer defaulted
So I have an account on my credit file that was in default but since I have been complaining about the amount for ages they have no corrected the balance but removed the default. Will this mean that the 6 years will start once it is paid of, meaning it will be on my credit reports for longer than if it was defaulted?
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Meeting mortgage advisor today and noticed ERROR on credit report!
Did a balance transfer from Barclaycard CC to Lloyds CC back in July and closed Barclaycard account. Double checked credit report yesterday and discovered the amount is still showing on my Barclaycard, AND now also on the Lloyds card! So essentially, it looks like I'm in double the debt!!! Not what you want on the day you…
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improving credit file! even got refused for credit builder card ...any tips
I heard a good way to try and improve credit file is to get a credit builder card...I tried and even got refused for this :( I saw something about pre-paid debit cards....can anyone shed any light on this any tips on this and general improving credit file to give you a idea where I am *one paid simply be account- it was…
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Credit check and employment?
Several years ago I slipped into bad debt and ended up having to arrange payments to independent collectors as opposed to the banks and credit cards. I have been paying the debts, slowly, monthly since up until about 4 or 5 months ago when I hit a few issues. But I am back on it now and infact I managed to get a new credit…
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any savings accounts that can help build credit file up
apologies probably a really stupid question....as the title says.....it just got me thinking as I know nationwide do an account save to buy which some say may make you more favorable to obtain a mortgage by nationwide? are there any other specific savings accounts, that are helpful??
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Question for current or former underwriters
You have just received an application for a credit card which has been referred to you to make a manual decision. The applicant has a high number of recent credit searches within the last 12 months. You're amazed to see he or she has applied for no less than 100 products in the last 12 months. This indicates to you that…
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Experian tell me someone has fraudulantly tried to get my credit report
Hello, Experian have written to me saying someone has fraudulantly tried to get a credit report in my name. they say they will take steps and having recorded this with CIFAS. I have never had any dealing with experian. how worried should i be or are they trying to scam me into buying something from them. should i be taking…
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Someone getting credit/current account cards at my address
Hi. Grateful for advice. Recently two of the above cards, one for two separate individuals, man & woman, with hispanic sounding names, arrived at my house with the pin numbers, both from the Halifax. I returned them as "not known at this address" but now an invite letter from the Job Centre addressed to one of the above…
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Credit in someone else's name
Hi everyone, Hoping someone will know the answer to this or have had a similar experience. My girlfriend's mum has credit out in her name that she was unaware of, they have defaulted and is now holding her back from getting a new car. My question is, how can we go about getting these removed from her credit file? She has 2…
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Have Barclays ruined my credit file?
Hey Just to give you a bit of background information, I had a CDL loan with Barclays, which I defaulted on back in March 2009, when I lost my job. Last year, I was in a position to pay off my loan, I had £1300 outstanding and I had been paying it off monthly as per the agreement. I rang them in May 2013, and asked for a…
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Accessing my credit file?
Hey all, Just a quick question, decided to sign onto Experian to look at my file and see the skinny, but to surprise it stated: "We need to conduct further checks to confirm your identity as we cannot locate you, please wait two working days and we will contact you by email or post as soon as possible. Thank you" Same sort…
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illogical finance outcome
Hello Basically I have a 610 Poor credit score with 1 satisfied default on a car hire purchase which is nearly a year old and 1 missed payment this year.I applied to finance a £5000 motorbike through Honda and got declined.I then went to ford and applied for finance for a £17000 ford fiesta on PCP and got accepted hows…
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Time for Experian to Update Their Own System?
This has happened twice to me now, I had a default registered on 29/8/2008 and have been waiting with excitement for it to drop off on it's sixth anniversary. Checked this morning, it's still there. I pay for this service as to check things like that, bur you could imagine if I was in need of a mortgage, had my statutory…