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MSE Credit Club Using Wrong Address Finder?
Hi, I've tried to enrol the wife and myself in the Credit Club. On completion she gets the following message: "Sorry, but you have failed the Experian identification process. This means that Experian was unable to verify your identity from the details you provided. The information that it holds on you is very sensitive so…
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How do words make you feel?
I'm currently working with HMRC to develop a new online service. As part of this, I'm interested in gathering feedback around language and how it makes people feel. I've posted a short survey here, and would be interested in your comments and opinions. It'll only take a few minutes! Thank you.…
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Thanks to MSE for Credit Club
I have been battling with some of the other Credit Score providers for years over their inability to tell me what exactly affects my score at any time, with no success whatsoever. The MSE Credit Club gives me all of that detail in very easily understood terms. Thank you, thank you, thank you...... I will be cancelling all…
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Offers to debtors - credit rating affected further?
I am currently paying off my debts using Payplan. I have approx 2 years to go on my plan and approx £4.5k to pay off. a couple of my creditors have written to me indicating they will discuss an offer for repayment with me. I have £2k that I can use. Should my creditors accept a reduced payment total as final payment on the…
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Why would mortgage account be settled when I didnt pay it off?
Hi, I checked my credit report and Landmark (previously NRAM) have marked my mortgage account as settled. I no longer have a home mortgage account. (I haven't paid it off and I haven't any rich relatives who would do this for me.) Why would they do this? Experian and Equifax both show account closed as at 31 July. I…
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Correcting a report?
Hey, Just looking for a bit of advice before I chase up Paypal. I took out a finance agreement with Apple at the start of the year, with finance provided by Paypal Credit. I immediately organised a direct debit to pay the 12 months of instalments as agreed and I received confirmation of this from Paypal. Due to a technical…
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Consolidating debt - Effect on credit rating?
Hi I have 2 credit cards (£6000 in one, £3000 in another one). I can put £300 a month in total to repay them. I am going to call each card first to see if I can get a 0% deal for a a limited tim . If not, I was looking at a 0% card to transfer my debt there. Otherwise the bank offers me a loan at 4%. We are buying a house…
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Unexplained HSBC PLC Credit Check
Hi All I have just checked my credit file on Experian to see how it's looking these days (I was a victim of identity fraud so check it every other year) . I have an excellent rating and have never applied for credit in many years. I do have a HSBC account which I haven't used for 8 years, however my credit file states HSBC…
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Student Accounts
I've just been rejected for a student account due to a default on my credit rating. Are all banks likely to reject me or would it be worth trying another one?
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Defaults and cleaning up credit file
So after 7 long years we are at the end of our DMP, so we have took a look at both of our credit records. Obviously they are a total mess now with loads of defaults. However, and correct me if I'm wrong, but defaults drop off your credit record 6 years from the date of the first one on each account? If this is the case,…
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Letting an apartment - credit check
My living situation is pretty bad to the point where I have to move out (family feud). I've just some enquiries regarding a fully furnished apartment and the monthly rent is ideal for me. Trouble is I've just asked what the next step is for reserving is because it's a new build and they do a credit check to make sure I can…
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Alias on credit report
Hi, my credit file had an alias attatched by halifax bank (they claim to know nothing about this). The alias was my dad, iv been unable to get a mortgage because of this as all his credit information was on my account, so what I provided to the mortgage application wasn't correct in terms of out goings. Not only is this a…
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Bank of ireland
Tried to open second current account, have flex with nationwide, went to the post office fill in form ,declined the women said it s internal D O C they are the bank of Ireland who are linked to on this list Bank of Scotland Sainsbury American Express Tesco, Mbna Barclays Bank City cards Capitol one Nationwide Do people…
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Credit Rejection but no search done?
So I've received a notification from Vodafone that after carrying out a credit check with Experian, they've decided to decline my order for a SIM Only Monthly deal. (£19.20/month). There are a few puzzling factors in this one:* Decent credit record (991). I know this in itself is not a guarantee of being accepted and that…
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ppi
I have been turned down on a PPI I have had a lot of hassle as I changed my name form McAllister to Lowry in 2007 can you help me as I don't know what to do
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Savings loophole credit score Noddle
Hello everyone, I have for the past year and a half been taking advantage of the interest paying current accounts. I have recently began stoozing with a now 6 month old barclays at 1k limit (to be extended by them this month to 1500) and a recently opened MBNA card with £1700 limit. I have no "debts", no missed payments,…
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Removing default
Can anyone advise if O2 are likely to remove a default for £150 and £300. I am hoping as they are small amounts then there might be hope....
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Guarantor
Just holing for some advice. I recently agreed to be a guarantor for my wife when she purchased a new car. I was told on more than 1 occasion it would not effect my credit file. I have just looked and there it is 12 grand of finance from Private and commercial finance. I have phoned them which they have pretty much ignored…
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Newbie
My credit story: I've been poor with money and, never been on the electoral roll until now. Ive had a credit card for years, maxed it out to £3800 and payed the minimum on this for a couple of years. I have missed multiple payments (due to laziness and no direct debit set up). the last late repayment was in November 2015,…
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Default still showing after DRO
Hello! I have had a quick look through but couldnt see anything on this subject. So 4 years ago I had a DRO, being young and given lots of credit I got myself into debt I couldnt repay a DRO was my only option at the time. I had 3 debts to be written off. 1 was but 2 others are still showing as default on my credit report.…