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Available credit / credit rating confusion
I have spent the last year trying to improve my credit rating, by paying off as much of my debt as possible, and, in respect of credit cards I have been reducing my available balance, to make sure I don't spend thing. I earn a good salary and am never late paying (DDs set up for everything) so was shocked when i signed up…
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Equifax credit score
Hiya, I've recently checked my credit via Equifax. It says I have a poor score of 364 even though my last default payment was 58 months ago. At the time I was unemployed and settled my credit card at an offer that MBNA made me of £2000 when balance was £4000. Since then I have got a new credit card with capital one and I…
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Credit file to be checked for new job
I have just been offered a new job and have been informed that they will do a credit check on me for the position. The role is working within an financial firm but I am not directly dealing with money as will be working in an administrative role. I have concerns about my credit file as I recently found out it is very poor…
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Will cancelling a DD affect my credit score?
Hi folks, I have the misfortune of having a lease/rental on two Pitney Bowes franking machines until 2018. The scumbag salesman amended the lease date after I signed and despite arguing, it's my word against his so the agreement stands. That was several years ago and I have since moved to a Royal Mail OBA account which is…
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Can I get a default on a CCJ?
Hello Hoping someone may be able to help, I've tried searching but couldn't find anything similar. So, cleared around 7k of debts over the past year whilst I moved into my other half's rent free. I'm trying to get debt free and be in a position to purchase a house in a few years. So here's my dilemma. About 10 or so years…
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Benefits of Repaying Quicker
Hi, My credit file doesn't look healthy at all due to missed payments and defaults but the last year I have been tackling these and have repayment plans set up for everyone. My question is that I agreed these arrangements based on snowballing the repayments, but a couple are now at fairly low balances (£100 or so). Would I…
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Three not declaring?
Hi all, I started a new mobile phone contract in October 2014 and Three are still not declaring it with any of the credit agencies and I wondered if this was normal? I've made all payments on time and I'm in the process of looking at a mortgage but due to them not declaring my Equifax file is proving to be a huge barrier…
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Improving credit file
Hi, In order to have some "history" with institutions for future mortgage application, I have accounts with Natwest (current), Santandar (ISA), and Nationwide (current) and apart from "old-mortgage-style" student loan, I have no debts. The only credit agreement I currently have is my mobile contract. I had a CreditBuilder…
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Can't find info at Credit Bureau?
Hi. I found this website upon trying to learn how to improve my credit rating. For some reason, I've always had bad credit. I don't even know why, I don't think I've missed any payments in a long time, I paid off my overdraft from my Student account.. I would have done more but I seem to get rejected for everything. I…
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Super confused, help!
I posted yesterday as we had the nice surprise of a default dropping off my husband's equifax report as it was 6 years since the last default. It was a surprise as we believed it would be 6 years from the settlement date which isn't until July 2016. I was assured that it is definitely 6 years from the default. Now having…
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Credit rating. Unpaid bills abroad
Hi All, I've moved back to the UK after a 2 year stint in Portugal. I've paid all my outstanding bills however I'm expecting a large 500 Euro bill to be sent to my old Portuguese address. The bill is related to an internet and phone package. I was wondering if my UK credit rating would be effected if I did not pay this…
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CreditExpert keeping login details after account cancellation?
Just asking for a bit of advice before contacting CAB etc. Just cancelled my CreditExpert account. No problems at all with them, just going through expenses and cutting out on non-essentials. The call centre guy mentioned that the account would be close, but that I could use my login username and password again any time,…
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partners poor credit ... Help
Recently me and my partner applied for a mortgage in princible to find it been rejected because her credit score was too low. I was told the company the lender checked with was Equifax so i did a report on there and checked it. She doesnt have any credit at all other than a mobile phone, she never has had a credit card ,…
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Utilities on Credit Report
I have direct debits paying my water & internet and I recall seeing at least one of these on a previous report... But now they're nowhere to be seen! Surely as water is (obviously) on a credit meter at all times (how long before they bring in prepay haha) then it's going to appear on a credit report? Does anyone know which…
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default on credit report - advice please
Hi my name is currently not on the mortgage even though I paid a substantial sum towards deposit because I have a default from Jan 2010 on my credit file. This was paid within months. However, we now want to add my name to the mortgage but am a little concerned as there is still 11 months left before default is removed. Is…
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advice on one off lump sum settlement needed please
Hi guys, not sure if this is the right place to ask this but here goes....So I have been paying off a bill of £21,612 at a rate of £450.25 pm, ive never been late or missed a payment, this is something the creditor and I agreed, not through any legal settlements or anything, I got a statement of accounts along with a…
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Life after DMP
I am looking forward to the summer as after 8 years on a DMP through Stepchange (I'd highly recommend them to anyone) I shall be debt free. It's been a long and rocky road but will finally be able to hold my head up high and be £300 a month better off! Does anyone have advice as to when and how to start rebuilding my…
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problem
Trying to do a soft search on the site for a credit card on 0 percent but my address is not recodnised,i have a credit card and bank acc at this add can anyone help
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Close paid off credit cards after consolidation?
Hey :) I have been accepted for a consolidation loan at a lower interest rate than my credit cards. Over the next few days I plan to pay off my credit cards in full. My current debt is 8k and will be payed off via the loan in 24 months. My credit rating is "fair". While I want to be debt free, I also want to improve my…
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Help trying to access credit report
Hi i'm hoping someone can shed some light on this- I've been trying to access my credit report from a few different companies. I have tried; Equifax Experian Noddle & none of the companies can verify my identity but I don't know why. I've recently applied and been accepted for my first credit card and although it was with…