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How can I improve my credit file?
Hi My Equifax credit score is 611, which is really poor. I am 28 years old, I have a default notice which Barclays applied back in May 2009, so I understand that is to come off on 19th of May 2015, so I think this may help. I have debt on 5 credit cards, the collective limits total £9450, 4 of which have poor interest…
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Reducing Limit on K&Co Account
After lurking an reading various stories about high credit limits I have just reduced my credit limit on my K&Co account from £10,000 yes you read that right, to £4,000 having read on here that having a large amount of unused available credit is harmful to how lenders see you. I have now just read on another post someone…
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Noddle 1/5, What Can I Do?
Hi all, My Noddle credit profile shows I'm on 1/5, Experian is equally bad and I'm trying to figure out how to improve my profile as I was recently rejected for a balance transfer card that I thought I'd get. My financial situation as it stands isn't the best due to job change and I'm playing catch up, I utilise the…
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Accessing the aqua Credit Checker
I have received my aqua credit card and registered for an online account but I still don't see how I'm supposed to access the aqua Credit Checker. I nearly applied for the cashback card (only 0.5% capped at £100 per year) but thought I'd be better off with the Credit Checker once my Experian free trial expired (normally…
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Will these defaults effect my mortgage application?
Hi, I defaulted on two Halifax accounts in August 2009 and settled the balance in full in September 2013. I am no applying for a mortgage and have to answer whether or not I have had any defaults in the last three years. Of course, I haven't defaulted in the last three years but the default was there. It's worth mentioning…
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what to do next?? credit file queries.
Hi everyone. I know a lot of people say credit scores dont matter etc however iv recently paid off all my outstanding balances and have 3 different scores however i was wondering what to do to improve your scores when iv done most of what i think i can do there is no remaining debt,all accounts are closed and…
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PRL SCORES on my bank statement
Hi Guys Not been on here for a while!!! Anyway for those that know my story im doing absolutely brill & for those that don't, well I was a massive gambler & got myself into massive amounts of debt, everything is under control now & I have exactly 11 months till I pay the biggest part off :j My question is.. I went into…
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5 months left until 6 year cut-off, should I pay?
First post, hi all! Six years ago I was a mess. Now I've cleaned up. 2 years into a permanent job I've got 1k savings, no more CC debt, 1 year into a credit card for poor credit scorers (much thanks to MSE.com and the forum posts here!), and this year after a recent promotion I want to start seriously saving to get a…
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Can anyone advise about A,B and Credit passes please
Hi Firstly I hope I have posted my question in the right forum as I am new to this. Today I have seen a Lloyds Bank Mortgage Adviser. He was impressed with my credit score of 997 and thought all the other requirements for a mortgage were good. He did a credit search and it showed a good rating. From the information I…
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Previous homeowners defaulting on payments
Hi MSE'ers I moved into my first house last June, and we're still getting the previous homeowners post (and electoral voting cards today!). They've not redirected any post from bank accounts/credit cards etc. At first we put them back in the postbox with "return to sender, no longer at this address" written on them,…
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CCJ on Credit file
My husband and I were really pleased last week when we checked out credit files and found that he is now rated as Good and me as Fair on Experian. However, my husband is still being turned down for loans and I tried just to see and got turned down for a loan which Experian recommended I would be suitable for at an APR…
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Advice on ID fraud
Hi, Just signed up to see if anyone has any advice on a situation I've found myself in. So, I've found out that a fraudster has access to my name, address and date of birth and has a bank card with my name on it, but not registered at my address. None of my cards are missing or stolen and I've not had any unknown…
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Experian not on electoral roll
Hi, I'm quite confused by my Experian credit report (which I've now cancelled) as it says I am. It on the electoral roll and of course this effects my credit score. I am 100% registered. Is this a common problem and how do I fix it? Please help! I want to make sure both mine and my partners score are at their best as we…
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Experian Taking Payment on Old Card
I opened an Experian account whilst I was applying for a new mortgage. I kept the account going for a little while to track my credit rating but have not accessed it for a few months and wish to close the account. I tried to log into my account but get told that the credit card used has expired and I am locked out until I…
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Experian 123
I have checked my experian credit file and on a mail order a/c I have a 123. Payment due 16th Nov - missed Dec - missed Early jan partial payment payment made to cover arrears Jan - late payment but paid Balance of last statement and Feb (whole min payment due on jan statement) On the report you can see the balance goes…
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Excellent credit score on Equifax (but missed payment previously)
Hey guys, I have just got an Equifax credit report and it shows 'excellent' with a score of 500. Initally I was over the moon :j Having looked at the report in more detail it shows some late payments 2 in 2011 2 in 2012 1 in 2013 (3 of them whilst I was travelling I was stupid and didn't set up a DD and forgot payment…
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To get a joint account or not?
My partner and I are about to move into a rental property together. Ideally we'd like to get a joint account where we can both pay in monthly, ideally overpaying what we need so we can start saving to get a mortgage in the next couple of years. I'm overly cautious and so we did a credit check and whilst I came out with an…
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Inexplicably bad credit rating
Hi My partner has applied for a credit card with M&S and has been turned down because of bad credit rating. Neither of us can understand why. He's 52, has never had a mortgage, bought a computer recently on 0% finance, has held a credit card with Santander for 20 years which he pays off monthly. He had 2 loans, 1 in 2002…
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£190 default
Good morning all, I have just signed up to checkmyfile for the first time to look at my credit file and noticed there is a default account. This is a bank account that was a joint account between me and my ex girlfriend and I thought the overdraft had been cleared before we split up.....anyway it seems it wasn't and it…
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Fraudulent Wonga loan on credit report
My daughters partner has discovered a Wonga loan was taken out in his name fraudulently. Wonga are aware and so are the police – he has a crime number. However, this loan appears on his credit report and was obviously not paid (it was threats of debt collection that meant he found out about the loan). How can he get it…