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Found 6 results

  1. Barclaycard will offer its customers free, regular access to their Experian credit score from Friday, This is Money can reveal. The credit card giant, which has 10.5million customers, will offer the service online and then roll it out to its mobile app from January. The credit card provider says the Experian tie-in aims to help customers 'understand their financial footprint and get on top of their finances.' Read more: http://www.thisismoney.co.uk/money/cardsloans/article-3323849/Barclaycard-gives-10-5m-customers-free-access-credit-scores-data-shows-six-ten-never-checked
  2. After years of paying back debts I've finally got myself into an ok position. I'm now looking to get a mortgage and so I've been subscribing to credit expert. On friday my credit score was 31 away from being good and this was great because I have paid down a couple of accounts and so when updated I was hoping this would push me over the edge! However yesterday I updated my address as I recently moved in with my mum so that I'm free to move quickly when I buy somewhere and I want to ensure I'm still on the Electoral register etc. This morning my score had gone down by 49
  3. Can anyone tell me why there is such a huge difference in my credit reports regarding credit scoring please? Experion have me listed at a high "Good" and Noodle give me 1 out of 5! I have 2 outstanding Barclays debts left after years of "sorting" others out. One a current account of £450 and the other a Loan for approx £1200 the latter not paid due to Barclays helping themselves to proceeds from my current account for "charges" on said account which had been dormant for years. They had unbeknownst to me decided to invent an overdraft on the current account which I never used, bec
  4. Hi, Well all my debts are now behind me with Lowell the last ones to acknowledge it was game over and sent me the letters to prove the accounts were now closed....well they were 10 years old. I bit the bullet and decided to see what my Credit File was like as for a couple of years things have been steady for me and I have been able to get credit. The reason I decided was I was offered credit at a good rate last year but this year just out of curiosity when I did an online cost checker at my bank, the interest rate offered was 29.9 percent..... My Credit score 783, showing as fair and I
  5. Hi all I'm looking for advice on defaults / credit reports / scores as I'm getting totally confused. First a bit of history. Back in 2004 I got in a right mess with several different lenders totalling over 35K, all personal loans, CC's. I entered into a DMP with Payplan & although the first few years were a bit up & down, I finally finished that in May last year. During that time some of the debts were sold on to collection agencies, some were passed to other lenders when they were taken over, an Egg loan being one example. Because of the way the debts were handled, defa
  6. I'm a tad confused with the ratings the agencies seem to be giving and there either doesn't seem to be much consistancy between the agencies in terms of scoring or I am misinterpreting things. My story is this, all was going well until 2008/9 when I was made redundant. In a year I had notched up two CCJ's and a default was issued on my mortgage as I had no income other than JSA. My credit rating was destroyed. 4 years on and the CCJ's are now satisfied and the mortgage arrears all paid. Unfortunately the default on my mortgage will stay on my file for 2 more years and there is nothin
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