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OUSBA Default notice Challenge
Hi, I am in the process of challenging OUSBA on the default notice that they issued to me. They served the DN on the 4th July 2014 which was a Friday. The date for remedy contained within the DN was the 18th July. Given service rules under CCA 74, I am assuming the correct date for remedy would therefore be the 22 July or…
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Good credit score?
what is the lowest credit score that would be classed as acceptable? i have never bought anything on credit, never had a credit card and never had a loan. i have however, always paid bills when they are due and have never had any debt. this leads me to believe that my credit score won't be fantastic. i'm just curious as to…
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Missing creditors who are on DMP but not on credit file
Hi I have been in a DMP with stepchange since 2009, in for the long haul. However I know that over the past few years I have significantly reduce my debts and am committed to doing so completely. I checked my credit file today as was curious to know when defaults will come off my file and noticed that there are two…
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Paying Off Old Debt & CCJ Drop Off
I have just returned from living abroad and done a credit check which showed up a 1/5 credit rating all for some very small debts totalling less than 3k. I also have a CCJ which is due to drop off later in the year. I have requested documentation from the companies who are owed funds and will pay the debt as soon as they…
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Lloyds late payments show on Equifax, not on Experian?
Hello, apologies if the answer is on the site already, I can't find it! Have posted about my husband's bad score before - I know the score isn't actually important, but to give some indication, I checked with Equifax, Noddle and ClearScore last month and the score was very poor (334) mainly due to a Lloyds current acc,…
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CRA monthly updates for lenders
I have heard that lenders can subscribe to monthly updates and receive an updated credit report every month. Is that true? What exactly the lenders can see there? I heard that it is like a summary.
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credit rating after credit card settlement help
I was unemployed and unable to keep up credit card repayment with creation credit card, I contacted them and arranged to pay £20 per month, my friend offered to help and asked creation of they would accept £1850 instead of £3000 I owed, they agreed and the letter I have off them says the have taken it is a loss and won't…
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Does SIM-only deal count towards credit score?
Hi, I'm sorry for opening this thread but I can't find information online. I was going to get a mobile contract to build credit history but I really don't need it so I had a look at SIM only deals but I'm not sure if that counts towards credit rating or not? EDIT: And also does the payment amount matter? £35 vs £8.
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Co-op says basic account shows as negative on credit file?!
I got a call from Co-op asking if I'd like to upgrade my basic account to a free current account. I asked why as it's not my everyday account and she said it's because it's shown on your credit file as 'basic' and lenders know this means 'debt problems'. Is this true? I haven't looked at my reports in a couple of months…
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Close cleared account?
Hi I'm looking for advice on whether to close my credit card account or not. I'm about to make the final payment an I have a credit limit on this account of £9000. I've not got a sparkling credit rating (not from missed payments or anything) but I think because I have no bills on my file, all bills, mortgage and even the…
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CCJ Details
I recently checked my details on Noddle and it is showing a CCJ registered against me in the month of June 2014, which I wasn't aware of! However, it only states a register number for the CCJ and the amount I owe. How can I get more details about this? Thank You.
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Credit report showing defaults
Hi I'm looking for some advice with regards to my credit rating as shown on Noddle. In Oct 2011 I defaulted on 2 credit cards after failing to pay for 2 consecutive months. In both cases I came to an arrangement with the lenders (Marble and NatWest) to pay a reduced monthly amount based on my income and expenditure. This…
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Partially completed card application - will it affect my credit rating?
I recently applied for a Post Office credit card with the intention to transfer money from another credit card. I applied online and I'd got as far as being told I was eligible for the card and how much my credit limit would be, when my brower decided to shut down and my laptop went into a mini-meltdown. I thought (apart…
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new phone contract reduced credit score
I signed up with Clearscore last month, and was happy to find i had a reasonable credit score. I paid off my contract with O2 (early) and signed up to a new deal with EE. However, my credit rating dropped massively and said 'there are more than a few credit applications this year' EE shows up as two hard searched plus one…
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How bad are hard checks on credit rating
Just wondering if anyone knows how detrimental hard credit checks are to a credit file. Last month I applied for a purchase mortgage and buy to let re-mortgage, both NatWest. Purchase approved and I have the offer. Buy to let was undervalued, so I couldn't continue (too much of a short fall). I tried another lender, who…
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can i lock my credit file in the UK?
an hours googling the title didnt come up with an recent information for the UK, I heard Leo Laporte from TWIT talk about this in the US the other day and thought "what a great idea". Does anyone know if/how this can be achieved in the UK? TIA iamlearning
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Compensation for default wrongly applied to account for five years
Hi everyone, Hopefully someone can help me! Over the past five years I have been declined for loans and credit even though I thought my credit rating was reasonably ok - my Experian didn’t have anything other than a couple of missed payments when I was a student so I just put it down to being a result of these. I have…
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Student seeks advice
Hello everyone, I'm a young student and am trying to get my credit score as good as I can. When I went to my bank before going to uni to switch to a student account I was advised not to as I'm very likely to get rejected because I've been in overdraft quite a bit and I don't have one. :( I don't know how long it'll take…
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Should i be worried about this search
Hello I was just checking my files and on the Experian statutory report it say i have this search MEDIA INGENUITY (HD DECISIONS) 20/07/15 CREDIT CARD QUOTATION There are 2 of these and a Clearscore one also for a credit card quotation. I havent applied for a credit card for a long time Should i be worried about it? Thankyou
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CRA & banks question and rant
Hi, I wonder if perhaps somebody could explain to my why banks and CRA's can continue to process data they know to be incorrect? In my own case the impact isn't too bad as, due to bankruptcy, my credit file is screwed anyway for the next year or so (drops next year). However I contacted Noddle recently to say their own…