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Lloyds Collections calling me for my partner's card debt. He denies all knowledge.
Hi all I am not married to my partner, but he moved into my (in my name) flat 3 years ago. I thought he has a great work ethic - he used to - but as soon as he moved in, he became workshy, starting and stopping jobs and leaving for things like "why should so and so get paid more than me?" As a result, he now hasn't worked…
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Received a £30 Default From 3 Mobile
3 Mobile wrecked my credit score with a default for the tiny sum of £30. It was the end of a contract (I had been with them 4 years, paid thousands of pounds for their services without a missed payment) I thought the account was closed and settled. Had no communication from them and then 3 months later they whacked a…
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Preparing my credit file - questions regarding cards etc
Hi all, Now this information is covered in various locations, but I am having a bit of confusion with a number of points. My credit file is pretty good - whilst I am not debt free, I'm heading that way. I am now preparing to apply for a mortgage in between 3 and 6 months time (depending on house build completion etc). The…
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Improving credit rating
Hi, I currently owe approx £15000 to the bank and £275 to Link having had a debt sold to them. These debts were loans that were being paid for and then my business (and marriage) went bust and I have been in financial difficulty ever since.I am currently paying £10 per month off the smaller debt but nothing off the large…
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Clearscore v's Noddle
MSE Insert: Check our Clearscore info and credit score guide for more help. Back to the original post... Hi everyone, I was wondering if someone could help? I have been using Noddle for a while now and my credit score has not changed for a number of years - showing as 1/5 even though my payments have been up to date and I…
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Credit report questions
I need to get a credit report - as advised by TalkTalk in their recent issues with hacking However I do not want to pay for it My options appear to be either Experian or Equifax or free from Noddle I am unsure whether Noddle can offer the same service as the paid for ones ? But, if anyone has my personal details and…
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Less Hard Searches on my Credit File than I should Have
So I dabble a bit with switching and stoozing and as such recently checked my Clearscore rating and noted I have only had 2 hard searches listed. 1 for a current HSBC (that I recently never got) and another for an M&S current account at the start of the year. As I understand it, hard searches last a year on your report.…
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fraud?
Hi Not sure if applicable in this board, but here goes. I had a letter in the post about 4-6 weeks ago, addressed to someone not resident at the address. It appears to be for a loan. Sent back the letter to the return address and stated addressee not at this address. Today, we received a letter addressed to the same person…
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Bailiff Stories
I am in the process of writing a book on Bailiff Law following the new Regulations that came into being in April 2014. I would be interested in receiving stories about your experiences involving bailiffs. Many thanks Anthony Reeves
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Equifax took money without providing service! Help!
Can anyone help a fool please? This is historic but I've finally plucked up the courage to try again and get my money back (if possible). I tried to sign up for Equifax free month credit report in October 2013. I used an old credit card I didn't regularly use for the direct debit, proceeded through the personal information…
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having a fraud issue! (i think?) PLease read
I'll keep it brief and in key points. it might get confusing as im terrible at explaining things went to buy car on finance. all the creditors didnt say no but said they needed more info. two rang me asking for my current and last address. garage got back to me to say there is a problem but santander will give me the loan…
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Free Credit Check
Hi, I am looking ot check my credit rating and somehow improve it. I want to do this for free but I have already registerd to Experian, how can I get round this. ive also tried clearscore but it doesn't give me much info. Also how can I improve my rating?
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Advice about late payments
Hi there. I am writing on behalf of my brother, long story short... he had an accident year ago and he was recovering abroad until now. He totally forgot about paying his credit cards and overdrafts. Now he is getting back to the UK and we checked his credit report. One overdraft is already defaulted and the debt is sold…
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Please form an orderly queue to join the "Digital Vault"
I missed this one, being on holiday at the time. Just found it: http://arstechnica.co.uk/tech-policy/2015/08/uk-wants-to-create-worlds-largest-honeypot-of-centralised-personal-financial-data/ Now tell me Experian ISN'T involved in this!
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Does ratio of income to available credit affect credit rating for a mortgage?
1.1 I'm planning a mortgage application next year. I have a low income (£10,000) and currently have a 20% of that available on my single credit card. This card isn't used much, always paid in full every month and I've had it years so I think keeping it will be in my favour. I have no other credit available (no overdrafts,…
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CCJ satisfied, still causing high insurance premiums
Hi, Please help. I have a CCJ (not my fault, nasty vindictive man from a company I used!) from over 5 years ago now, that was paid and is marked 'satisfied' on the register. But when asked by a new insurance company the question "Have you ever had a CCJ?" I have to answer yes, which hikes up the premium massively. My…
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Default from nearly 6 years ago but updated a year ago!
hi there, I wonder if anyone could offer any advice. I have an unsatisfied default on my credit file from 5 years and 9 months ago - however it's status shows updated about a year ago. Does anyone know if this update means it will stay on there for another 5 years or whether it will drop off in 3 months time? I had…
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Trying to Improve my Chances of Getting a Mortgage
In Nov 2009 with a sudden change in circumstances and crippling debts, I had my house repossessed... Moving forward to 2015 and things are much brighter and I am looking to get back onto the property ladder. I have just looked at my credit scores and Experian shows as very good...Callcredit and Equifax show as poor. What…
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What is best to do next to get a credit rating?
Hi, My husband and I used experian to view his credit score and was surprised it was 935 out of 999! He has never had a credit card or any kind of store credit, or even a mobile phone contract. He has a full time job and we are hoping to apply for a mortgage next year. After a few years or travelling he's only just gone on…
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Credit Check - mortgages
Hi All, We have had our mortgage offer today subject to valuation. I personally haven't looked at my credit file in the whole process, but would be would like to have a look to keep on top of it!? Would this affect our mortgage or house completing in anyway by signing up to experian and having a look? Thanks in advance