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Court issues at house I no longer live at?
Hi Everyone I have finally taken the plunge and attempting to sort out my credit ratings and signed up for a free trail at Equifax. Bit of Background: After buying a house with my wife , things went bad and we separated and I moved out 4 years after buying the house. I now live in a flat and been here 3 years now. The wife…
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Bank Overdraft Default ?
Hi, I am currently paying off a DMP with PayPlan [per my other thread] One of the debts is a Bank Account where I had an overdraft of£2250 but the account was overdrawn by £2369 The account is still live and has a status history for the last 4 years as BB My question is - why would this debt not have been "defaulted" like…
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Unknown search on file
Hi I have checked my updated Noddle report this morning and come across a search on my file which doesn't make much sense! Details of the search are: HSBC (sa,sr,Tac). Credit card Api Checking Credit Application- (associate link search) Date: 9 March 2015 I have not applied for credit with HSBC (or anyone) The input…
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Identity fraud ..advice ?
I was friends with a girl who lived a few streets away ,for the first time in my life last night I looked at my credit report and was shocked what I found . On the section it tells you about other connected address ..her address popped up but with my name as if I had lived there . And there's a ccj from 2009 listed under…
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Credit checks for current bank account
Hi all, I just wanted to ask a question re: current accounts and credit checks. I recently applied for a credit card and was refused. I don't know why - I'm assuming it's because I've moved a lot over the past year and am not on the electoral role. I now want to apply for a bank account with an overdraft facility. I'm a…
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Improve Credit Score ASAP
Hello there- I'm currently in the process of applying for my first mortgage with my girlfriend. We both have good incomes, a great despot and good savings(which i've just found out about from my parents). While her credit file is almost excellent, mine is only fair due to some late repayments on a phone bill and opening a…
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Debt Management Plan and credit rating
Hi, to cut a long story short, I got a load of silly debt out when I was 18 and now I am 24 I am paying for it. Its accounts to around £12000 in total but the payments just got too much, so I stopped paying them, a stupid and costly mistake. My girlfriend finally made me act and do something about the debt, so I took out a…
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Help needed - Stepchange ruined our life
My partner signed up to stepchange (the debt management company). the promises were all good. However....* They took a few payments via direct debit from her bank. These were supposed to go towards paying off various companies that were owed. They did not pay any of them so she incurred a few hundred in additional…
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Historic Defaults & DMP
Hi. I have four defaults from when I ran into financial trouble in 2009. The dates vary, but the first one was dated in July and the last one in October. Two are Natwest current accounts, one is a Natwest Credit Card and the other is a Natwest loan. Since 2009 I have been in a DMP paying each month to these creditors. All…
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Equifax Report & somebody else's bad debt
Hello, I've just got a copy of my equifax report and I'm alarmed to see that there are a number of credit agreements (Defaults) and credit searches for my half brother from when we both lived at my parents address. I've already applied for this information to be removed from my report as I have no financial link to him…
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Will extending overdraft increase credit rating?
Hi there, I've recently been refused car finance as expected due to the old default on my credit file, paid off and for the measly amount of 200 pounds but hey. My bank have now sent me a letter offering to increase my overdraft from 750 to 1350. I was wondering if this will increase my credit rating at all considering…
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6 year default credit file.
Hi! I ran into trouble in 2008 after loosing my job. I stopped paying 6 credit cards and was paying them an agreed £5 per month. I settled all cards with partial settlements in 2009 and 2010. Some registered them as defaults and some just registered the settlement date. I called barclaycard today as I made a settlement…
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6 years of payment history or longer?
Hi all I have three consecutive late payments on a credit card from Sep to Nov 2009 (show as 1, 2, 3 :( ). The credit card account is still active, with 0's ever since. Will these missed payments drop off my report completely in November this year? Or will they remain as the account is still active? I hope to apply for a…
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posting a late default too CR agencies
Can a credit cardl card company register a default with experian or equinox 5 years after the default when also the debt has been partially settled? thanks
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Help! Blacklisted for unauthorised OD fees which I had no idea about
Hi All, I would really appreciate your help and advice. 2.5 years ago I moved to Australia for a 4 year working visa, before I moved I was in a 2k overdraft with Santander which I managed to pay out and bring back to a zero balance and also asked that my overdraft facility be removed. I cancelled all my direct debits and I…
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default after 6 years registered on credit file
I defaulted on a credit card in 2009 and settled the card in 2010. Barclaycard have just registered the default. can they do this so long after? Also what is the criteria to have defaulted or they each have their own rules? thanks
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What score to expect?
Hi there, I'm hoping you can help. I am (desperately) wanting to get onto buying my first property asap. However I have been held back from getting an AIP with HSBC due my 'bad' credit history. My credit score on Experian one month ago was 824 (poor).. My credit utilisation was at 82% However in May this year I paid off…
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Experian - removal of notice of correction
Quick question, I had an on going dispute with British Gas from 2012 to 2013, which meant I did not pay for about 3-4 months as they would not deal with the issue. Eventually they did, however this was on my credit report. I fought it but, they refused to change it. Eventually I had a notice of correction was put on the…
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Final settlement figure
Hi I have an outstanding balance with a collection agency and wonder if anyone could give me some sort of idea on a final settlement figure to offer them? The balance is £1150, I am currently paying £50 a month. This has cleared off my credit file and I have no problems making any payments and sometimes find myself able to…
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Gutted that my credit rating has been damaged - any advice?
I have just created a free account with Noddle. To my surprise it seems to be as useful as Experian. Also to my surprise was a late payment in May 2015 on my Bank of Ireland account which has obviously affected my credit rating. I've had an overdraft facility with them for years but back in March they sent me a letter to…