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How to get a default removed
Hi all, So I'll just start by saying, I'm not one that has had bad credit history etc. I've done pretty well over the years, however I in 2020 I had received a letter from a company called Lowell regarding a payment they were collecting. This payment was for an old mobile sim card I had from 2013 which I had cancelled some…
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Paying off chunk of mortgage and credit history
Im looking to move properties this summer. I currently have a fixed term mortgage coming to an end in March. Im just going to stay on the SVR until I move. I have enough savings to pay off the mortgage, but if I do that it will affect my credit hsotpry negatively, so need to pay a chunk off but keep mortgage going. Is…
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Credit Club - disposable income very odd result
On my MSE Credit Club report, the 'Disposable Income' is considered very weak. I'm struggling to understand how - could it be a bug in the algorithm? Combined household income £100k, no kids or financial dependents, mortgage is only £850 a month and is joint, <£70k to repay. How on earth is that a very weak disposable…
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Bankruptcy and my Credit report
Hi so back in 2019 I filed for bankruptcy in Scotland. It was a mini bankruptcy meaning bankrupt for 6 months and lower bankruptcy fee taken. Now I know it will be on my record for 6 years but I have a query about markings on my credit score. So most companies have closed the accounts and marked it as current balance £0…
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Nat/RBS/Ulster switch porting mortgage
Hi everyone, Feeling upset and annoyed with myself for not checking before doing the Chase to RBS group switch. Both my wife and I took advantage of all 3 rbs group offers earlier this month but plan to port our mortgage in the summer, with Santander. No overdraft facility was applied for. Stupidly thought no credit check…
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Bankruptcy and credit score
I am into my 7th year of bankruptcy. When will this be deleted by credit agencies? Since my bankruptcy I have never defaulted on any bills.
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Utility company have defaulted me twice....
Hey folks, In a nutshell my utility provider defaulted me for missed payments about 3 years ago on my joint "gas and electricity" bill. Fair enough. But then a couple years later they split my gas and electricity into two bills, with new account numbers, and put my old defaulted debt into them. But when I got in financial…
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Does our landlord’s poor credit affect us?
We have been renting from our landlord for 10 years and due to the fact he’s selling the house, we’re moving on. But we found out recently that he is still registered as living in the house we rent as far as the building society is concerned, and has been the whole time we’ve been here. He used to live here many years ago.…
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Debt collection letter from NHS
Hi, I received a debt collection letter from the external agency that NHS is using, I left the NHS Trust and they said I was overpaid by 1000,however, on my calculation i was only overpaid by 500, I was emailing my old manager and the HR to recalculate this, however, they were not replying and next thing I know, I was sent…
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Who are GB Group 888 UK Ltd
I have just received an alert from Equifax of a credit search form GB Group 888 UK Ltd, it has my date of birth, first and last names correct but the middle name is wrong. Does anyone know who GB Group 888 UK Ltd are, i have tried looking on line and Companies House but all I am finding is an address in Wales and showing…
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Will this look bad on my Credit Record?
Suppose I used 80% of my Credit Card limit to buy one item (say foreign currency), then paid it off immediately the spend appeared on my card, ie. before the next statement date. Would that go down as high credit utilisation, and look bad on my credit record?
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Default issued in wrong name
Hi there. Sorry if this is a long post. So I’ve been trying to contact British Gas recently about a default they registered on my credit file 4 years ago but has only recently showed up. After my 4th attempt at contacting them, I was told on live chat that my first name had been misspelled. I was told by the chat operator…
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Credit identification error
Hello, I am hoping someone can help me. I am 24, but since the age of 18 my bank thought I was 14 for 4 years, with the complete wrong date of birth. This has now been rectified This has majorly affected my credit score and credit checks etc. I have several credit agreements with various different suppliers, including a…
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Default drop off after 6 years
So i got into financial trouble years back and got a default with a Credit Card / Store Card this then went to lowell with a default raised as below Default of £345, recorded June 2018 (Reported until June 2024) I started paying lowell back a while back monthly and my question is what happens come June when this drops off…
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Late Payment Registered
Hello all, I am new on here. Just wondering if anyone can confirm the earliest date a late payment can be registered on your credit file? I assumed it was 30 days past due date.. Thank you
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Settling a PCP - how long before the credit no longer show on my credit report ?
As above - I am looking to make a settlement on a PCP, in order to improve my credit score to be able to re-mortgage and take some more ££ out for home renovations. Would anyone know how long after making the settlement that it will no longer appear on my credit report, please ?
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Unknown CCJ found - Old address issued at (6 years plus)
Hi all, Im trying not spam up threads with the same posts so I’ll
try and keep everything really simple as just looking for best course of
advice. Over weekend from checking my credit report I discovered a
CCJ: * Issued – July 2023 * Address showing CCJ issued at – an old address I moved out
of in 2017 * Time at current…
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Credit checks and phone contract change before closing. Can you speak to the lender directly?
I have a mortgage approved but move in date isn’t until July. As many know phone contract prices aren’t too great just now and mines going up. My device plan is due to finish later in the year and my term has ended. I’ve found out by moving to a different provider and getting an upgraded phone my contact will go down £24 a…
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Hard Search - How Long
Hi, I've noticed Transunion have some hard searches on my file dating back to July 2022. Are they not suppose to drop off at 12 months?. Thank you.
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Gap in Address History / Changing Flat 8-12 Months Before Buying
I'm seeking advice regarding my current situation. My landlord has decided to sell the flat I'm renting, so I might need to find new accommodation approximately 10-12 months before I intend to buy a property. To save money, I'm considering terminating the lease before my planned trip abroad, which will last for at least…