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Experian confusion
Hello, I subscribe to Experian on the £14.99 a month plan as I am in the process of checking my files and getting them corrected if necessary. As I wanted a printed copy of my report and don't have easy access to a printer I went online and ordered the £2 statutory copy to be posted to me. It has arrived today and is…
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Unable to correct incorrect address on report
Hi all, I have a Nationwide bank account which shows up on both my Callcredit and Equifax reports with an incorrect address. I have contacted Nationwide and they have assured me multiple times that my address on file is correct, both registered address and correspondence. The address on mail from them is correct, as is the…
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What did Capital One Homeowner Loans Ltd lend for?
Hello, I have recently run a credit report after discovering my ex husband had affected my credit rating from his multitude of debts (I have filed financial disassociation forms since, and we have no linked finances now, other than the mortgage). I have just found that he took a loan out in the above name some years ago.…
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Interest Free Credit card and Credit Report
I have recently taken out an interest free credit card to help spread the cost of some University masters fees. I've set up a direct debit to make the minimum payment every month. However, I'm curious whether other lenders might look at this negatively as my credit report might be marked as paying the minimum only. Would I…
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How can I get a credit report with just a cash builder account?
hi, i've tried to do an online credit report that we can print out and take to citizens advice/ financial advisor, it asks for card details, my husband only has a cash builder account card which he doesnt use (his wages go into my account) are there any other websites or ways we can find out what he owes to who? we want to…
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Credit Score Mystery
Honestly getting so fed up with how these people judge you without really looking at you. You almost feel like a criminal. Ok, so I went into an IVA about 8 years ago, paid it all up fine. My credit score is currently 399 with Experian. 1 point below a Good rating. I have no loans, I just have a credit card with a 1k…
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Returning from living overseas
Hey guys, I have lived in Australia for the last three years. Before leaving I closed my HSBC current account, but left my Halifax savings account open with a small sum of money in it. I am now back in the UK and need to get things back up and running. How can I check my credit score?? Do I even have one?? Can I open a new…
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Settled Wonga loan STILL marked as defaulted 3 years after settled!
Hi, Sorry am very new and cannot find any rules or rights anywhere. When I was very desperate I foolishly took out a wonga loan in 2011 i defaulted a payment (silly i know) but fully settled the balance. However I have recently checked my credit score and can see that the account is STILL marked as defaulted. I called them…
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CCJ cleared but on record for 3 years!
In March 2012 I was issued with a CCJ, which was paid within two weeks by a solictor on my behalf to the company that held the debt. The company did not inform their collection company that the debt had been paid and the CCJ has remained active since then. The collection company presueded me for £600, which was paid in…
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Experian
Help! I recently tried to buy foreign currency from four different websites using both Nationwide and HSBC Visa Debit cards. On every occasion the transaction did not go through with the websites stating they check with Experian and Experian cannot match my card with my address. I find this difficult to accept because I…
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Exs default
Hi all! I have a default on my file from 2013, where after a break up my ex took over a phone account we both used but was in my name and didn't pay it. Left it in my name stupidly... found out later on he hadn't paid it for six months and it defaulted. Paid the balance the month after it defaulted despite him still being…
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Which improves my rating more?
Hi all, Will paying off my credit card all in one go improve my score more or less than paying it in instalments? This may be a daft question but i thought paying in instalments might show companies some more stability? Thanks in advance, Ryan
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Experian report shows false linked address
I have a credit score of 999 but my application for an M&S credit card was rejected. I believe on the basis of a false linked address on my credit report. How can i get this address and hopefully the associated debt removed from my file ? I this likely to be on other credit agency files ? Will the £10 CIFAS report obtain…
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What might increase my credit rating?
I have just took out a loan to pay off my credit cards, i paid off the cards in full so there is nothing owed on them. Now i understand having a credit card with a good balance that you have had for a few years can help increase my credit rating. 2 of the cards ive had for 2 years and the other ive had for about 1 year.…
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My bank has reported double my current debt
Hi there, I am hoping someone has some advice for me regarding an issue I discovered today. I registered an account on clearscore and was surprised to see 2 x hsbc credit cards listed as open and both in max debt of £3000, I contacted hsbc who advised that this was an error on their part and they would update the data…
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On another thread it says you do not have a credit file or score in the uk???
What does this mean?? I definitely seem to have one.
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Defaulted account but AP markers?
Hi, I have an account with Northern Rock that was defaulted in 2008 after they refused to accept my DMP. After they defaulted it they obtained a CCJ and then a charging order on my property. Despite the account having been formally defaulted this has never been reported on my credit file and instead it is marked as…
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How long realistically until I see an improvement?
Hi I have a very poor credit rating. There is a default which will drop off next June as that's when the 6 years is up. I was made redundant end of last year so have a few missed or late payments but now I have secured a good job and have paid two cards off and have two left which will be paid off by May next year. Once…
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Improving Credit Rating whilst living abroad
Hi Everyone, As the title suggests, I want to improve my UK credit rating whilst I am living in Europe. Here is my situation. I have been living outside of the UK for the last five years but left the country with some debts. Around a 6k GBP bank loan and a few other small loans - I have paid the small loans off and now I…
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Unsettled ccj turns 6 yrs old soon? what should I do.....
Recently checked out husbands credit report after being turned down by high street mortgage lender. On the report an unsettled ccj for £1100 has come to light ( we have returned from living abroad so we're not aware) It will turn 6 yrs old in 6 weeks time, obviously the right thing to do would be to pay up, however I have…