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Help with AP
Hello, I’m new here. When I got married, my husband had a very bad credit score with a lot of debt. I took over his finance and paid off everything. The last payment was made this month. Few months ago, I checked our report on checkafile. I found out that he had an arrangement to pay on his virgin credit file. We are now…
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Hard Inquiry for refinance advertised as favorable
Experian suggested a refinance of an auto loan that would save $1000 by dropping my interest 1%. Creditor performed a hard inquiry, then contacted my current creditor and came back with the bad news that the interest rate would actually be higher and the only possible benefit would be lower monthly payments. Is this hard…
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CCJ found regarding PPI fees - Issued to Old address.
Hi guys looking for some help, In March 2020 I was lucky enough to receive a PPI refund
from Consumer Refund Services Limited. As a result of receiving this money we moved house five
months later right in the middle of the pandemic. Fast forward 4 years and I have recently discovered a CCJ against
me this week by CRSL for…
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Bank Credit Rating
I was diagnosed with Prostate Cancer a year ago. I was about to cross to another job and rather stupidly confessed I'd had the diagnosis. The new company dropped me before I had a chance to sign the contract. This left me without an income and I had to sign on to the ESA. I then asked my bank (HSBC) for a 3 month break on…
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British Gas reporting Missed payment on credit karma
I've just had a notification from Credit Karma that British Gas are reporting i've missed a payment/bill this is wholly untrue has anyone else had this problem ? In late march/april when i logged into my BG account it said i was being transfered to their new system it didn't give me an option to refuse it said my account…
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connection to an address
Hi all I need some help as I just keep hitting a brick wall!! I've recently had some references done to rent a new property, They came back that I have a CCJ I knew I didn't and after some investigation we established it was actually my mother in laws! we both have the same initials and surname! we lived in the property…
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Multiple defaults for the same debt
Hi I have an old credit card debt that I defaulted on although the debt is being paid gradually. A company called Link Financial purchased the debt from RBS and applied a 2nd default so I now have 2 defaults on my credit history for the same debt. Is that allowed/correct?
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Slowest Companies for Reporting Balances
Who are people finding the worst for updating CRAs with information? I'm finding barclays are showing on my CRAs with a recently 'updated' credit history, i.e. balances, payments etc but then the balances show are not reflective of payments made within 4-5 weeks, neither do they show my latest statement balance. Other…
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Debt collection letter but not ours
This is a bit of an odd one and I’m not sure whether to be concerned or not. We’ve received a few letters lately to our address but for the name of someone who doesn’t live here. The address is correct, name wrong. We’ve lived here for 10 years and bought the house from new so are the only occupants ever. The name is not…
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Good credit score but turned down for credit cards
If ever there was an example of how pointless these CRA credit scores are, this sums it up perfectly for me. Effectively over 95% score, yet marked 'very weak' in the affordability assessment. I've never missed a payment in my life and have plenty in the bank, but am stoozing as much as my credit limits allow (was roughly…
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Should I pay for a service I don't have to keep my credit score?
I've had issues with my credit score over the years but for the last 2 or 3 I have got it back to where I want it. The problem is, I cancelled my son's contract to O2 in January. Its a 2 year contract and came to an end in Feb 24 but I knew I had to give 30 days notice. I was on the phone for ages getting this sorted as…
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Southern water ccj
Does anyone know how to get hold of the civil court business centre ? Southern water sent my debt to here whilst I was in breathing space and give me a CCJ . The only reason i am aware of this , is because they forwarded the debt to another court called Highcourt writ Recovery which I did receive a letter from , i…
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PCP and credit rating/history advice
Hi all Wondered if anybody in the know maybe able to advise. 6 years ago we got into a lot of debt trouble and myself and my wife went down the IVA route. We cleared the IVA early (after four years) and have been building our credit ever since and saving towards buying our first house. We are in our early forties so time…
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My name and address has been stolen to setup a fraudulent Laybuy account,
Hi all. I am being chased by a debt recovery firm over a £320 debt made with Laybuy. I have never heard of Laybuy until this summons came through, never used them, never used their app, but says I have an account with them which was setup on November 26th 2023. The thief has made 4 separate orders from that date, and the…
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Creditkarma
I’ve just
been looking at my account with Credit Karma and a couple of things have shown
up I don’t understand. OK I know these are only soft searches but I don’t know
why they are on my report. The first
is: LexisNexis (IIL) Insurance services and the second is: Raisin Platforms LTD
(CVAL) I.D check for credit. I have…
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Onfido verification
I was asked to use this to open a savings account with Investic. I was a bit nervous not having used it before, but succeeded in using the QR code etc. and scanning my ID and uploading it. I needed then for me to take a self-photo. Which I did checking camera settings, took photo but the process then stopped with no…
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Default removal agreed but still shows after 3 months
I managed to get my water company to agree to remove a default, and my credit score shot back up on my Experian account pretty much straight away. I was told that it would take 6-8 weeks for my default to be removed, and I can see on my multi-agency credit report that it's still showing on Transunion. It's been almost 3…
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Credit before Moving to UK?
Hello all, looking for advice on if there is any way to get a junp start on credit before moving permantely to the UK. Currently in Canada not movning until next fall. Have an address in the UK and citizenship if that matters at all and a UK number (no a full local contract). Is there any bank account I can open or…
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Crediva CRA Statutory Credit Report
Has anyone ever requested online a SCR from Crediva, seemingly touted as the 4th of the "Big Four" CRAs? Have to say I'm very sceptical about them (but then I'm easily spooked!). I completed the online application fully with all requested information and accompanying ID (screen caps / prints taken as usual) and got the…
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Mystery Address Acquisition??
Hi all, hoping you can help. I just logged into a credit report app and it asked to confirm my address, suggesting an old one, a new one, and MY FRIEND'S ONE!! Saying 'based on your last credit report'! My friends address is the one I'm registered to with my GP, because I moved town but have a lot of chronic health issues…