Hi This happened to me as well. Try transfering a pound to it and if it works then the account is open. When it happened to me and i was declined it showed a role number and account details but after a week it was removed. When i called they told me it was reffered and then declined.

Hi I would like to propose to the mods that we create a link / page / graph of what financial instatutions uses what credit agency. This helps you use your credit record to make applications to companies when you have a good record - eg. I have a score of 800+ with Call credit and Equifax but my experian is 600+ (thats because i made 3 ...

credit card companies can see your other ballance and total avalable so if you have (for example) Credit £1000 > Ballance £900 then you are using 90% of credit avalable so they are less likely to give you credit. Also they can reduce there credit limits because you missed payments or are up to the hilt on other credit ...

Hi Halifax will look at 2 things.1) Your credit rating 2) Your profile within halifax. How have you been as a halifax customer? Have you had failed direct debits, gone over drawn, over spent or stayed in over draft for a while. Does your account look like a person that lives from pay to pay or do you have money in your account at the end of the ...

HiAs far as i am aware the answer is yes, IF you were allowed to take your mobile broadband abroad and use it in these countries then you would have been able to get the '3 like home prices'. If you think about it, a Mobile broadband device is just a phone without buttons or a bit to talk into but it still has a SIM and communicated with ...

Hi I have been with them for a year and so far i have not had any issues but i have never asked to cancel. What did they tell you when you called them? Can you not cancel the account by calling them but obviously you need to be sure you have paid the yearly charge as you opened the credit builder so need to pay it off - its approx £60 ...

Hi You can get your free credit file for the 1st month by checking Experian, Equifax and Call Credit. All 3 of the big agencys are offering 1st month free. It also does not affect your rating to check your own rating. There are also sites like checkmyfile that offer all 3 for £20 for 3 months but the experian report they show is not the ...

Yes thats correct but the change in terns of pricing means you can get out the contract, i used to work for 3 and this has happened 3 times in the last 6 years since launch in march 2003. I now work for another mobile company and this has happened when they changed pricing on 0845 numbers. 3 even sent customers an mms saying they were removing 3 ...

dont acknowlege the debt, there is a lot on this forum about debts over 6 years called statute barred. I searched for it and found a standard letter to send from a guy called connmankiller who seems to know a lot and is very helpfull. This is just one thread to llo at and see the letter template but dont call them and dont admit the debt ever ...

I just wanted to let people out there that there is light at the end of the tunnel. I got into trouble in 2001 and ran away from my debts. I paid off a few over the last couple of years when debt collectors turned up and a few never found me. Recently my credits file showed all clear, I also got a cash plus pre pay card and used the credit builder ...