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Help! Can I get this default from Lowell Portfolio removed?
Hi everyone, I'll try to keep this short and sweet! A few months ago, around March, a company called Lowell Portfoilo sent a letter to my parents' address to inform me that they had bought out a debt of £220 I apparently owe Orange from back in 2011. I believed I paid the settlement fee on this account when I closed it as…
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how quickly should new mortgage show on credit file
I've completed on a house purchase around 3 weeks ago.. How quickly should it show on my credit file? My clearstore (equifax) updated today, and it does't show. Noodle updated last week, and it also doesn't show.. I've just ordered my £2 report from experian to check there once it comes though..The first (part) payment has…
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Advice please - credit file
http://forums.moneysavingexpert.com/showthread.php?t=5312447 Dear MSE, I created the above post in the credit card section however I have just realised there is a credit file section which seems more appropriate for the situation. Would you have any advice or perhaps a letter template I could use. I am drafting a letter to…
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CC limit increase=CR increase?
Very simple question. Does my recent cap1 increase 200-450 mean my credit score and or rating increase I'm asking as this is my 1st increase since beginning a slow journey to re building my credit rating since being unemployed 2011
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Old CCJ
My granddaughter & her partner are in the throes of renting a flat but need a guarantor as she isn't 21 until January, & my hubby has said he would do this for her, but on the forms it asks if there have been any CCJ's, we had one over 20years ago, will this still show up on credit checks ? & do we need to declare it after…
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Legality of a Default
Hi All After a little bit of advice 5 Years ago I was made redundant and paid a £7,800 check into RBS, However right after this the cashier paid the next person in the queues £1,000 into my account. I didn't not notice this as I paid my mortgage and a few other bills up front while I had the money so I didn't default on…
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Searching my credit file without making an application, please help!
Hello, I need some advice please... I thought I would check my credit file and noticed that 2 days ago Vanquis searched my credit file (which put my rating even lower than it already it). However I didn't make an application to them. I have in the past, but it was about a year ago. Are they allowed to do this? And if so…
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CCJ repayment - advice please
Hello MSE, Last week a Judge told me to repay an amount of money that I did not believe I owed. (I believed the money was a gift -the details are complicated). The only way I can pay back the order is to take out a loan. Clearly I would like to do this before the 28 day period expires, such that the CCJ can be cancelled. I…
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CC Default Advice requested
Hi, I'm posting here in case anyone can please assist me. I have two credit cards that I have defaulted on back in early 2012, as a result of major changes in my financial circumstances at the time. These accounts show on my credit report as being in default from Jan 2012 onwards, including showing as being in default up…
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How do credit scores work?
Hi, I'm new here but I have question about credit scores. Now an excellent credit score is considered to be around 700-800 (don't worry I know I'm not getting that over night 😊) so surely having no credit history at all means you must start at 0. Maybe I'm being dumb but bare with me as I'm about to start climbing that…
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advice on post bankruptcy credit building
Hi Please can anyone offer me advice on post bankruptcy credit building : I was declared b'pt in 09/2008 and discharged in 02/09 and am now almost 7 years clear of this episode in my life, during which I was fortunate not to lose my home and continued to pay full mortgage payments until 02/2014 when the property was sold (…
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provident suddenly reporting on my credit file
hi guys, so got declined today for an ipad on my existing contract with 3, i have only 1 default from years ago, which thety already knew about... anywho went for the appeal and they tell me what i provided didn't match what they saw, so they declined me. So i restart my experien... cancelled it 4 months ago. and to my…
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Credit Score Improvement (Credit Cards)
Hello, A quick question if I may, hopefully it doesn't sound like too stupid a question either! I have two credit cards, one with a balance of around £800 and one with a balance of around £4,000. For the last 3 years I have been paying them off (from a lot higher), haven't used them at all, and I have no cards left to use.…
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On Electoral Role but not on.
According to an online check I am on the Electoral Roll (publicly) and have been since 2002. However according to Noddle (who are a bit like Experian and Equifax) I come up on a credit score check as NOT being on the Electoral Roll and and this is lowering my "score". Baffling! MSE say that if you're not on the electoral…
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Not enough trace on address !?!
Hi there fellow money savers, Ive had a strange thing happen today when trying to get credit for a new car. The dealership tried two different credit lenders and both were declined for having not enough trace at my current address. I have lived at my current address for just over 2 years, all my financial accounts are at…
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FAO Experian rep
Hi, My partner applied for her £2 statutory report on the 12th August and was informed a code would be posted. No code has arrived, she has emailed the help account a couple of times and no reply from them either! She spoke to someone on the phone today and they said they couldn't help either and you have to wait for an…
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Multiple accounts with overdrafts?
I have three current accounts with different banks and they all have overdrafts in excess of £1000, one up to £3000. a) does this negatively affect my credit rating? b) would my credit rating improve if i was to remove the overdrafts?
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Help - Mortgage application declined due to unknown CCJ judgement in 2012
Dear MSE experts, I really need your help with something, I have applied for a mortgage with my wife for our first home together, and the bank has contacted us to say they can't process the application until they can see that a Crown Court Judgement they found on my experien credit check is resolved. I've made my own…
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What can lenders see on credit files?
When applying for a credit application, I'm interested to know exactly what a lender can see/can't see when searching your credit files. From the basics I know they will see your name, address, electoral role info etc. But for example can they see lenders names etc if you have existing credit cards/loans etc. Can they see…
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Credit check for car insurance?
Just took out a motor insurance policy, paying all in one go, using a pre-paid card. They did a credit check. Is this normal?