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Lost my job recently. Cant afford to pay imminent CCJ
Hi guys. About 5-6 months ago i was told that i may face a CCJ. Nothing was said for a while (no paperwork sent to me) and i thought (naïvely) that it may have been forgotten about. Well today i was told that the case will be going to mediation in a few weeks. The other week i was let go from my job and now i am quite…
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Should I be concerned?
In August I started to receive letters at my address for a person that didn't live here and never had. The letters were from Liverpool Victoria (LVE) and one from another company. Both were relating to an insurance claim. Initially I dismissed these letters as a mistake. A week or two later more letters arrived from the…
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Credit card providers not updating file?
Hi all, Just wondered whether anyone knows how often card providers (in this case NatWest and Barclaycard) update their clients credit files? My husband paid off £9000 in October, from two Barclaycard accounts he had, and then transferred £9000 from his NatWest credit card on to a 0% deal with his MBNA card, which has…
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Advice Needed
Hello, I turned 18 5 months ago and have been trying to build up my credit file. I currently have: Nationwide - £600 overdraft - Balance - £0 A Barclaycard Initial - £250 limit - open 4 months - Balance £0 A Aqua Advance - £100 limit - open 4 months - Balance £0 Next Directory - £1000 limit - open 5 months - Balance £0…
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Increasing score & few questions
Hi, I have finally got registered onto Experian to manage my credit. 20 years old and just finished Uni. You have no successfully settled credit accountYou have revolving credit that has been open for less than 10 months.The age of your accounts indicates lenders are likely to view you as higher risk Above are the three…
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Old capquest default fell off too soon...
Hi guys. I've noticed an old default (2012) has fallen off my credit report. Although I have paid in full a while ago I know it stays on for ) years.. I still have another default from them on there for something else.. I'm unsure why it would fall off now. I have recently changed address but have updated the electoral…
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resolving bad credit to get a mortgage
So in 2012 I got into a little bit of debt, which I was struggling to repay, being young and depressed about the spiralling debt, I thought I would try and use payday loans to manage it... BIG mistake!!! (duh!) Anyways, with the help of my bf, the debt is almost cleared, albeit with a few defaults along the way. He is…
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Payday loan not showing on Experian and Equifax?
Hello I was just wondering if anyone else has found that their payday loan does not show on their Equifax or Experian credit report? The loan was taken out in July. It does show on Call credit and noodle. We are in the process of looking for a mortgage so just wondered if anyone else have come across this? Thanks
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First Time Buyer - Confused
Hi Everyone, Sorry if there is a thread open at the minute for this question. Me and my partner are looking to apply for a joint mortgage next year after saving for what feels like a lifetime to buy our first house. I am getting nervous now however about our credit score and the chances of getting us a mortgage. We are…
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partners credit affected?
My partner is looking to lease a new car. Her credit rating is excellent, however mine is not, due to ccjs and defaults. We are linked by a joint basic bank account which we use to pay our rent. This is managed very well and we have never gone overdrawn etc. Will my bad credit rating affect her ability to get this lease.…
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Equifax are useless
Equifax have failed my credit check twice for a cheap mobile phone. They refuse to help at all. They just want e to subscribe to them. I have a perfect credit score, just had a check done when upgrading a bank account, 3 weeks ago, it was perfect. They've failed me, then wont help me? Who can look into these cowboys? Any…
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What is the best option for my credit file?
I have been struggling financially for some time and have missed a few loan/credit card payments in the last 12 months. In July I was advised to contact StepChange and since then having been using a Debt Management Plan (DMP) to manage my debts. I currently owe £23,000 across one loan and five credit cards. I have recently…
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Junior/teenage accounts and credit ratings
My daughter has just discovered that because she has a Lloyds U19 bank account (even though she reached this age 4 months ago and has not been prompted to convert it) this does not contribute to her credit rating because there is no overdraft facility on it. Had she realised it would have this impact, she would have…
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Boosting Credit Rating
This has probably asked numerous times. My credit rating is well basically rubbish, I am trying to get it better but struggling to get credit ANYWHERE! I expect the high APR etc etc. Any help or ideas would be great. Thank You
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Credit rating dropped
My noodle credit rating that has been sitting at 5/5 for several months has just dropped on the latest report to 4/5. Pretty much nothing on the report has changed though. It's really odd. All I can think of is that my address has changed, I opened a new current account and opened a new credit card, and the electoral roll…
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Default added to Credit File over hilariously small amount
TLDR; An assumed wrongly-added default added to credit profile over a meagre £35.00. Hi All, Just a bit of background on this (apologies for the length): I had a mobile phone contract with Orange (renamed to EE about half way through) which came to an end at the beginning of 2012. About three months prior to the contract…
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Help with paying off debt
hi everyone so i have a quick question - i have debts to a total of £4700 - all are defaulted - totally defaulted - my score is 383 on experian :( - now i have gotten older i want to clear these debts off and was planning to save for 5 months to do this. i want to know about orders of paying them off- and i also seen that…
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Have I got a leg to stand on with Halifax and DCA?
Afternoon MSE peeps I had a defaulted overdraft with Halifax a few years ago, which was sold to a DCA. When the debt was sold on, the DCA then reared its ugly head on my credit file - so there are two records of the same debt. Both now show as satisfied. What are my chances of one of these defaults being removed? Or am I…
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Noddle wrong - and just applied for a mortgage
I applied for a mortgage on 31 Oct and am still waiting for a decision. Before I applied I checked Experian and Equifax - both fine. My mistake was I completely forgot about Call Credit. So, I've bow logged on to Noddle and there are lots of mistakes on there... It has an alias down for me which is wrong (it's actually the…
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Credit score help
Im after some help with my credit file please! 5 years ago I moved back to my parents home but left some debt at the old address where my ex still lives. I defaulted on a card at that old address almost 2 years ago and I have another credit card and a store card at that address along with a shared mortgage which are all up…