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Credit Reports
Is it a matter of preference or do they all hold the same information? Need to access it to ensure I 'know' my creditors but don't want to have to pay the fees as I am not a newbie!
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Can too many bank accounts/credit cards lower your score?
At the moment, I have three current accounts, two overdrafts and two credit cards. I have a £1000 overdraft with First Direct, a £500 one with Lloyds Bank as well as their Avios credit card with a £750 limit, and then just a current account with Halifax. And then I have an Aqua card with a £1050 limit. The Aqua card was…
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Policing the Credit Agencies
Collaboration between credit reference agencies and banks etc. is limited and incomplete, and the agencies' information is inaccurate: having had a card application rejected I got on big E's free trial and found several errors and omissions e.g. E says I'm not on the Electoral Roll, but the other big E has me correctly at…
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Unauthenticated Experian check
How difficult / easy is it for a check to come back as unauthenticated? Would it mean they are not on the Electoral Register? Have never made any credit applications? What are the implications of being unauthenticated? Thanks
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Settlement figure offer to Payplan ...
Hello I have posted a very similar thread a few months back, but cannot find it. Please accept my apologies.:) I have a breakdown this time ( I haven't broken down yet).. So: Barclays £986.39 ( overdraft ) Barclays £6,769.03 Mint card £5,896.22 ( Nat west/ rbs, and passed over to wescott) Santander credit card£1000.02…
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Scottish Power Up-Front Payments
From the Telegraph: http://www.telegraph.co.uk/bills-and-utilities/gas-electric/new-scottish-power-service-lets-you-pay-upfront-for-days-of-fuel/ Paying up front? So they won't be smacking you with a credit check or reporting your account activity - will they?
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Problem with credit card application
Just tried to apply for a new credit card and have been refused which is bizarre as my credit rating is excellent and have never been refused credit of any sort. The only reason I can think is that all applications have been to my old address and, due to my own forgetfulness, I never really updated my addresses. I then had…
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Received my Experian credit report
Hi new here so first of all id like to say hello :) So i just received credit report from Experian and tbh i don't understand fully... It shows me a creditor i own money to and gives me the amount ect so i will contact each creditor and and try to arrange a payment plan or offer to them all but i do still have a few…
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Computer maintenance Job HSBC requiring credit check
Hello everyone, Recently applied for a contract job building up system computers at a HSBC building. They require a credit check and I am slightly worried my many current accounts and recent credit card application may look bad? I recently had 2 current accounts refused, first direct and m&s. When HSBC perform this credit…
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What can I reasonably ask credit card companies to change on my credit file?
Hi All, I hope you can help! Thanks to the wonderful new MSE facility, I have today found out a whole lot more about my credit file. It's an education! About 5 years ago I had a lot of credit cards, and they all suddenly started asking for much higher repayment amounts per month - completely reasonably. I contacted all of…
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Bank Balances
Hi. I wondered if anyone could help me understand whether my actual bank balance could or does show up on my credit file and if any other financial information, such as payments from / into my bank account show up? Does having an overdraft affect any of this? Thanks, SLC
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Motormile Finance Default Scam
Hi all, I've logged into Experian recently to check my credit score etc and decided to go into detail. I found that I have a debt which Motormile Finance have recorded as defaulted but they have updated the default date from 2012 to 2016!! I originally took the loan in 2011 which it still says is correct, it was defaulted…
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Shop Direct
Hi Can someone help me please? I have a £36 default for shop direct on my credit report which dates back to 2014. I haven't got a clue what this is about but am happy to pay it if it helps. The thing is, I don't know who to contact to offer too? Does anyone have any advice please?
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Very very confused
Could someone please enlighten me I am an avid watcher and member of Experian (cos they do make mistakes) so I am familiar with what makes a good credit score. I currently have a score worthy of several good credit cards and recently applied for one (MBNA). I did the Martin Lewis Eligibility Checker as well as the Experian…
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Hi
Hi all Just wondering if you can help me a friend of mine has been in debt for years and I'm not sure she's paid anything off for years .. :eek: now all she keeps doing is wanting to apply for another credit card but I've explained it might not be that easy ! She keeps on going on about how the debt drops off I just want…
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Does your RM PAF address need to match the one used on the Electoral Role?
Hi all, After recently moving home, I have checked my credit reports and when I use their PAF system to find our new build home, the credit reference agencies are cutting out the name of the village from the address. Example: Royal Mail Address: 123 Example Street, Example Village, Town, Postcode Credit Reference Agency…
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Address not recognised on MSE
Hi, I have signed up for MoneySavingExpert.com's Credit Club but I had to use a very old address (my parents) as my previous address as the page would not recognise my old postcode of a flat I lived in for 12 years. The flats have now been demolished but google still recognises the postcode. Has anybody else had this…
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Arrangement to pay- help needed
Hi. Looking for advice please! My credit file is showing an arrangement to pay for an RBS current account dated April 2014. There are no late payments showing and I did not go over my overdraft. I also had 2 loans with them which are showing as all payments up to date . However, in March, April and May 2014 I made late…
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#VanishingDebt?!
Hi :) I am new to the site but started a DMP with Payplan in 2008; my husband recently checked his credit score on Check My File and 3 defaulted debts - 2 credit cards and an overdraft - had vanished. We have been paying a small monthly payment via Payplan since 2008 and the last time he check a year or so ago they were…
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Closed accounts
Hi All, Please can someone help me!! Are closed accounts classed as defaults? I have a closed account that shows i went into arrears, then settled then closed. Im so worried about this being on my credit file. If anyone can give me some advice i would be really grateful:).