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But these credit records do not include information about student loans. Typical apr variable with a sainsbury's bank platinum credit card. You therefore only have one credit file. If you have experienced financial difficulty in the past, our financial team will almost certainly be able to find a lender suitable for your needs. Alternatively, you could keep your account open and cut up your card, or keep it in a safe place for emergencies. Gallent credit repair - compare credit repair companies at gallent search to find the right service for you. A county court judgement is a judgement for debt in the county court.