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Late / Not Late .. disputed credit marker
Hi all. We had some family health issues last September so I contacted our mortgage lender and asked them how late I could pay before I got a late marker. They told me that provided it was paid by the end of the month, I wouldn’t get a ‘late’. I paid on the last day of the month, when I got paid, but still got a ‘late’…
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CCJ/Consent Form Help
Good Afternoon Everyone! I have been given a CCJ for an overpayment in a previous job, which i accept. I was disappointed I got a CCJ because it could have been avoided if we put a payment plan in place. The ccj was put on my file in November, I have been paying the ccj back to the company, they have said once it is fully…
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Credit file and defaults
Hi all. Wondering how and when my credit file will be better...I have a bunch of defaults due to drop off this year. Since this period of financial hardship/health issues when I was served the defaults my income has doubled and I actually have a healthy savings pot. I've linked my bank accounts to Experian hoping this will…
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HSBC changing default date on credit file?
Hi there, I defaulted my HSBC credit card in 2017 due to significant ill health at the time. It was registered as a default (along with a few other accounts) with a date of 01.03.17. The account was sent to a debt collection company and I'm still making repayments to clear the account. Last year as other defaults started…
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Loan company admitted error - CCJ removal
Hi all I am currently in the process of sorting out my debt mess and making great progress, thanks to advice and posts from here. I'm in such a better place. At my lowest, I took out a loan with money boat who are no better than the pay day lenders of old. The initial loan was for £800, and spiralled to me owing them…
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Default date discrepancies
Hi all I went on a DMP in Feb 2018 after falling on hard times due to changes to IR35. Long story short, I had 5 credit accounts and 3 of them registered a default in April 2018, 1 in Dec 2018 but a FOS decision made them change it to April 2018. 1 account just didn't register a default at all but rather just late…
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Late VS Missed payment
is a missed payment when I’ve missed the due date? If so what is a late payment
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Incorrect Status 8 on Credit File by ADMIRAL FINANCIAL SOLUTIONS LTD
So, it turns out there are some mistakes on my credit file, specifically a default (code 8) that shouldn't be there. This happened after I returned a vehicle to them in December 2023 to ADMIRAL FINANCIAL SOLUTIONS LTD. Unfortunately, this mistake has caused some serious problems for me. My mortgage application got rejected…
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Help with bank switching and Credit report
For a friend can she apply for a sim only contact if she has done 2 switches Lloyds and NatWest with a hard check on her credit report and purchased car on finance
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Cashback now or credit rating for next year?
Now then, just looking for an opinion on the following, specifically potential impacts on car finance/loan. - We’re about to make a one-off £4K purchase - I’m contemplating taking two 5% cashback Amex cards - between me and my (financially linked) partner. - maximising the initial cashback (£200 between us) - we have the…
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Very unfair credit score movement!!
I hate having to use a credit card, but when I do I try my best to pay it 'IN FULL' My credit score is normally in the 'good' bracket, I think it's around 670. My wife is going on a cruise in a couple of months and for security I paid for it with my Santander credit card, which has a limit of £1800, so I paid £1700 with my…
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Being wrongfully charged is affecting my credit score - any advice is appreciated!
Hi everyone, I’ve been having an awful experience with Three mobile for the past four months, and I would really appreciate anyone’s advice or suggestions of what to do. Towards the end of last year, I ordered a new phone from Three, on a monthly repayment plan. When the phone arrived, it had been opened and very clearly…
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Freezing the 3 credit agencies files
Hi just looking for some advice, I'm based in the UK.I think I've been phishd and am trying to freeze my credit with experian equifax and transunion. (I have frozen my bank card)Experian I only managed to lock, I have paid acount with equifax but apparently can't freeze (they told me, i can only add sub correction…
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Good idea to have Direct Debits on Bank account to boost credit rating and if so how many?
Hello, It seems its a good idea to have Direct Debits on Bank account to boost credit rating and if so how many? What about charity donations via DD etc? I have about 3 now as I want to delete my rent one and pay via 0% CC. I also deleted my 3 previous charity DDs. I hear tell they reckon 6 is a good figure to ensure no…
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Student loan pre 1998
Hi all, I had a student loan which (I think) was pre-1998. I had a nervous breakdown, was hospitalised and never finished my degree. I then moved abroad where I was mentally unwell for a number of years. My student loan was the last thing on my mind. I have never contacted the student loan company since I took out the loan…
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IDENTIFICATION: Generic Check
Hello. So on the 4th of Dec 2023 I was looking for credit card deals on my CreditKarma app. to see the best deals available to me. After doing that I could see on my Experian credit file all the soft searches for this which is fine as I understand that’s what happens. Amongst these I could see a few soft searches for…
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Delinquent debt never went to default HELP
Hi I had an old payday loan taken out in my name in 2016 and it was never paid, i discovered this in Dec 2020 and paid it, think through a collection agency. The Payday Uk no longer trade so cannot get them to sort this. It is only reported on Experian, and as a 6 then settled, never a default, it went to a 6 in march…
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ERUDIO student loans help
HI, My student loan has recently been sold to erudio student loans company. I currently defer my loan as I am below the salary threshold to pay it back. The letter states that erudio will supply details of my loan to credit rating agencies, something that has never been done before. There have never been any details of my…
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Credit file inaccuracies
I am trying to contact the 3 CRA's after a lender has upheld my complaint but entered administration before they updated my file and removed the defaults (as they agreed to in the response to me). I notice that all three seem to be wanting me to buy a report from them and then reference this report. Is that a requirement?…
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Credit Score issue
Hi, I’ve just tried to set up a new account with Credit Score but when I got to the end was told I already had an account set up - with an email that’s definitely not mine. Credit Score say I need to send them a photo of my passport or driving license to confirm my identity but is that okay?? I don’t like the idea of…