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Unknown CCJ found - Old address issued at (6 years plus)
Hi all, Im trying not spam up threads with the same posts so I’ll
try and keep everything really simple as just looking for best course of
advice. Over weekend from checking my credit report I discovered a
CCJ: * Issued – July 2023 * Address showing CCJ issued at – an old address I moved out
of in 2017 * Time at current…
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Credit checks and phone contract change before closing. Can you speak to the lender directly?
I have a mortgage approved but move in date isn’t until July. As many know phone contract prices aren’t too great just now and mines going up. My device plan is due to finish later in the year and my term has ended. I’ve found out by moving to a different provider and getting an upgraded phone my contact will go down £24 a…
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Hard Search - How Long
Hi, I've noticed Transunion have some hard searches on my file dating back to July 2022. Are they not suppose to drop off at 12 months?. Thank you.
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Gap in Address History / Changing Flat 8-12 Months Before Buying
I'm seeking advice regarding my current situation. My landlord has decided to sell the flat I'm renting, so I might need to find new accommodation approximately 10-12 months before I intend to buy a property. To save money, I'm considering terminating the lease before my planned trip abroad, which will last for at least…
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Defaults dates IVA
Evening all I entered into an IVA in March 2018 most of the defaults were issued before the IVA started and have therefore dropped off my credit file. However I have 2 that are after the IVA date, one end of April another June, I believed that these should show as default from the same time as the IVA. I have contacted…
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Incorrect Broadband Provider on Credit Check
Hi all, I'm trying to transfer my broadband from Sky to Vodafone, as Sky are hiking my price a whopping 13% and so I have a small window to go to another provider. There is a great deal on Vodafone broadband on U Switch - currently offering an extremely generous Amazon Voucher into the deal. Unfortunately, when completing…
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Shop Credit Account - keep open or close?
Hi, I have an account open with Very - I have now paid this account off completely. My question is: should I close this account or keep it open? I have no intention of using the account again.
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Changing address
Hi all, I recently checked my credit rating which is all good but have a potential issue. I have rented in London for a few years but have kept my bank account registered at my parents address for ease (as in London you often only have a years stability when renting). I am now looking to apply for a mortgage. For my proof…
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How to drop 10 points Experian.
Delighted to view accurate minus 10 points from Experian Score. Why- Make use of 0%VM Offer via Cooker purchase. Is it possibly- 1. I'm using 'More Credit' 2. Percentage of Utilsation has changed. 3. Total Credit Balances have Increased. It's times such as these, I continue to visually check Score anyway. I intend to re…
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Ongoing Defaults after a Bankruptcy Discharge
Hello, I am new here! I am hoping to get some advice. Got in way over my head after I closed my business in 2019 with debt. Bankruptcy really was the only solution. The bankruptcy was discharged in 2021. However, whilst the majority of creditors state 'Satisfied' on my credit reports, three creditors are still issuing…
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Credit check - new job
Hello, I was hoping someone can give me some advice. I have just secured a new job but it requires a credit check (it's for a FCA regulated pension/insurance company). The role is in marketing so not customer facing and with no or very limited access to customer data. I have no bad debt, a good credit score and I've never…
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Laybuy hacked, fraudulent spending, no response from laybuy
Please advise if this needs to go to another thread. Last week my laybuy account was hacked and used on a number of retailer sites in a short space of time. By the time I realised, £1200 of transactions had occurred. I immediately contacted the credit card company attached to the account who put a block on any further…
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Laybuy fraud wilko!!
Hi has anyone had any luck with a response from laybuy? I still haven’t received any! Iv contacted my credit card company and they are refunding me but i am worried about the laybuy weekly payments and having it on my credit file!!
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Arrangement to pay
I wondered if anyone could help me... I'm currently in the process of applying for a mortgage. I have got an AIP so the next step would be to apy for a full mortgage. HOWEVER... looking at my credit report I've noticed that I have an Arrangement to Pay against my Santander credit card for 1 month (October '22). As far as I…
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Credit club not updating
Any else had any issues with credit club not updating? Mine still says next update 3rd February. I get an error message when I try to look at credit report too.
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Query about CCJ and Cabot Letter
Hi All, Hope this is the right category. I recently downloaded a credit app and found 2 CCJ's against my name. I paid for a trust online report then emailed the courts, no response. I then called and waited 1.5 hours to get the info of the creditors. I have had 4-5 addresses over the last few years and didn't get any…
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Can’t contact a creditor
I remember a while back owing Vodafone some money and at the time I literally couldn’t afford to pay it. Since then I have moved house and my surname has changed. Out of the blue a default for £48 appeared on my credit report and linked to me through my old name which is all correct. On the report it says start date 2014,…
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How long does a new credit card hurt your credit score?
I'm looking to get a new credit card (don't have any in my name at the moment - only add-ons on spouse's cards) but as we're coming up for a remortgage later this year (in the fall), I'm a bit wary of the hit a new credit card may cause on my credit score. If I were to apply now, how long would the impact of the new credit…
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Laybuy
After almost 3 weeks of constant emails and online chat with Laybuy, trying to get my money back after the security breech, early February. I’ve received an email, yes an actual response from then! I’ve been refunded the money back today, apparently, I shall keep checking my bank account. So if you were one of many…
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Experian credit score
Hi, I’ve recently signed up for a free trial credit score with Experian but I’m struggling to contact them as cannot log into my account and therefore cannot cancel the trial before they start charging me. I haven’t even been able to access the credit score on the account even after receiving a letter from them with the…