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Do i have to update Experian myself ?
I'm trying to sort my credit score out and get out of debt. I had a credit card with Tesco which was paid off and closed in August 2012. The last time they updated my credit file with Experian was in April 2012. I have spoken to them today and was told there was nothing they could do. They eventually agreed to send me a…
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Multiple defaults on one account
My OH had a default on a CC from Alliance and Leicester in 2008. The account was brought back into order. It was then taken over by MBNA who recorded a default in 2011. Unbeknown to us, MBNA sold the debt to Moorgate. They never contacted him, presumably because he was paying a really hefty amount every month to try and…
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Credit Check Advice
I've never really paid much attention to my credit history, never applied for anything substantial and never been rejected for anything I have applied for. Until today that is. I wanted to switch my current account over to Halifax as their account offered the best rewards for my level of income (and the £100 incentive…
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False CCJ on file from insurance company
Last year I received notification from my car insurance provider Hastings Direct that another person had claimed I was involved in an accident with them on 31st December 2013. This accident was a false claim and was untrue. I informed Hastings of this and they agreed that they would have to investigate the claim further.…
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mortgage advisor requiring copy of credit report
Good morning we are currently applying for a mortgage through an FA, he has asked for us to send him full copies of our credit reports, a colleague is telling me you should NEVER provide a full copy to anyone - if they want to see it they can search it. Can anyone advise? tia
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Overdraft query
If I am in my overdraft most months, limit is £500 and i'm under this amount each month ? Does this affect my credit score ?
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Someone to look at my credit report and tell me what they think
Someone to look at my credit report and tell me what they think, Ive been in a mess a few years ago but its all straightned out now, most of them come off this year but im wanting to get financially sorted and hopefully a mortgage. Ive got the report i just dont know who would look at this?
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Credit File and CIFAS Category 4
Just got a copy of my credit file and gone through it. I know from a SAR to CIFAS a couple of years ago that there was a Category 4 marker against me. I don't see this in my credit file at all - the CIFAS section though tends to talk about protective registrations ie general wording - and my overall credit score is good.…
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Refused Finance by Sofaworks? WHY!?
Hi Everyone, I am new to this site and am wondering if anyone could shed any light on why I was refused finance by Sofaworks? I was looking to buy a sofa for our new place which we moved into in January (total came to about £40 a month for 4 years on their 0% free credit option). I was advised that they tried 2 different…
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5.5 year old CCJ / Mortgage application / Experian
Hi everyone, I have a few questions that im hoping you may be able to help with. Firstly to sum up my situation. About five and a half years ago I got a ccj for £400 approx. I settled it immediately. Myself and partner are now looking to buy a home. We have about a £18k deposit. Combined we earn around £70k salary fairly…
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Experian / Equifax - Credit Score
Hi, I recently applied online for a loan, via Santander, as my Equifax Credit Score was pretty much maximum score (i.e. I am an EXCELLENT borrower) but, for whatever reason, I was refused the loan. Personally, I know I am in great shape financially, I have a well paid job, I am a home owner, no CCJ's, etc... so a little…
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Should i still be getting defaulted?
Hi, First time poster but after recently checking my credit rating i came across 2 companies (Nextcredit, Payday Express) are defaulting me. I was on a DMP which ended in April last year after completing my payments for the DMP. Nextcredit & Payday Express where someone of my creditors but they where payed off just like my…
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Does PPI bank admission improve Credit score
Hiya i have been paying off debt through DMP for over 5 years. I have however just had a bank admit to PPI and a 9k refund . With this admission and the amount playing a large chunk of the debt can i have my credit score improved ?
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Still paying DMP, defaults gone, Mortgage possible?
Hi guys, I have a few questions about my situation that I'd be grateful if you could help me with?! I had about £25k worth of debt (hasn't dropped much either) and in 2003 I entered a paid DMP when my work situation changed and I couldn't afford the repayments. My creditors all defaulted me within the first 6 months and…
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Too many credit cards negative effect??
Hi was hoping someone could tell me if having a few credit cards that have no balance effects your credit rating? Is it best to close them or can I just leave them sitting empty? Thanks in advance
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Defaults incorrectly added to my credit file
Hi there, A few weeks back I applied for finance for a new car and was refused, which shocked me a little. I decided to log in to my experian credit report to see if anything had changed, which low and behold it had. Southern Water had listed a default on my account for £133. The issue here is that between myself and my…
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CreditExpert application
Hi, I tried to sign up to the 30 free day trial for CreditExpert but was told they were unable to verify my identity. I was wondering what could be the reason for this, as I am on the electoral role, I've lived at my address for over 20 years and have no reason for any CIFAS flags on my account or anything like that. I had…
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Credit file query relating to payday / short term loans
Ok new to this forum so be gentle. I’ve taken out at least 10 pay day loans in the last 12 months, all have since been paid off, however I had a few rejected and then got a lot of spam texts / phone calls saying they’ve rec’d my loan request and I need to call to discuss, text to opt out – I never did call nor text to opt…
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Credit Compass - credit agency
Just a word of warning..... I did a free trial with Credit Compass and when I didn't cancel within the free trial and was charged. I was waiting for something on my file to be changed so I didn't cancel before that happened. So it wasn't a problem as such and when it appeared on my bank statement, I was prompted to ring…
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Noddle Nightmare
Anyone else find it frustrating to deal with Noddle over a discrepancy on your report??? You send an email to disputes, get a response in 2-3 days which doesnt really answer your query, then you reply to await another 2-3 days and so on....... Recently moved and changed electoral roll straight away. Experian and Equifax…