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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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Defaulted during Loan companies own breathing space
I phoned up a loan company I owed and asked for breathing space. I was not aware that you had to get a debt advisor and ask for a legal breathing space. They confirmed the 60 days and I had no contact with them within that period. I paid off the loan in full in two separate lumpsums, 35–38 days after coming out of…
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Vodafone Arrears issue
Hi, 3 Years ago Vodafone added a charge onto my account with no reason, besides the point this should have been taken out of my direct debit the next following month. It wasn’t, this went on for several months before I realised and called Vodafone to see what was going on. When I called them they said they are not sure why…
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Check my file - take care when you use it or you may sign up for a subscription.
A couple of weeks ago I used Check My File on a free 7 day offer to check my credit file. I used it because it checks Trans Union, Equifax @ Experion all together. All the details were correct and I forgot about it until this week. I check my banking app regularly and was surprised to find a £14.99 charge from Check My…
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Ovo energy - paid/closed
I had a default of £1,775.85. I paid that today in full by bank transfer. When will that be updated to 0 balance and settled? I'm in hospital and never check my credit file until recently, so I'm paying my defaults off.
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Checking for ccjs
I want to check whether someone has ccs against their name. I know I have to pay for this. However, it is asking me for an address. Before I pay my fee, does anyone know whether the fee covers multiple addresses of the person, or do you have to pay another fee for each address you want to search?
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Canopy
I signed up last year to Canopy the site that can track your rent , I didn’t use the pay option , anyway I changed bank accounts forgot to reconnect tge bank checked my credit score on Experian 2 days ago and it said missed rent payment , I’m livid , I have never missed a rent payment and currently trying to find somewhere…
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Conflicting advice in MSE Credit Club
The 'credit report insights' tool gives a list of things I'm doing well, and list of things I could improve upon. So far, so sensible. However! Of the three things I need to work on two are: * You aren't using the credit available to you * You're using a lot of the credit available to you Surely it should be one or the…
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Default dates on credit report being changed right before they’re due to drop off?
I have two accounts that I defaulted on just over 6 years ago. This has now happened with both of them: Just after the date the default was due to "drop off" of my credit report (6 years), they have updated it to a random date a few years later, meaning it's back on my credit report. I've raised disputes for both of them…
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Missed Payment mark with Tesco Bank AFTER settling account in full
Hi all, On 14th November I initiated a full balance transfer of £3,543.83 from my Tesco card onto my new Barclaycard. As far as I was concerned, the Tesco card account had been settled in full and the balance was at zero so I also cancelled my direct debit. On 21st December my wife and I went to Germany for Christmas. Upon…
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MSE News: Your Experian credit score might be about to drop
Credit reference agency Experian will soon give you a credit score out of 1,250, instead of the current 999, it has announced. Yet, while your Experian credit score's likely to drop as a result of the change, this WON'T affect the underlying data on your credit report – and it's that data (not your score) that lenders use…
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Credit report
Can anyone point me in the right direction please to get a credit report? Both DH and I have Monzo accounts and on the credit section we are both showing a default but can’t find out what it is. Also on both our accounts it says we don’t have a mortgage, but we have since 1995 and we only have a small amount left on that…
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Experian Credit Report
I'm quite well off & consider myself quite financially astute. Now well into my early retirement I have become fairly inactive with regards to credit. I have no mortgage, no loans, no credit cards & only 2 bank accounts, 1 for savings & 1 for current account. Imagine my surprise when I received my regular spam email from…
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Moved: Will asking for my UTR trigger anything at HMRC
This discussion has been moved.
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BT/JCIA default
I have recently had a default registered against me by JC International Acquisition, I had no idea what for. Turns out it was a final bill from BT which was back in July of 2024, I don't remember this at all, as far as I was aware it was all paid and done when I switched broadband. I've heard nothing about it until I saw…
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Old bank account on credit file
I have an old Barclays account showing on my credit file. It shows that it's overdrawn by £62 which has been on there for as long as I can remember having any account showing a credit report. Not quite sure how it has an overdraft showing as the account is that old is was a Childs account for me originally opened in 2008.…
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Utility destroyed my credit rating
Im with for a few years now and pay the bill when I recieve it via post. Im due to renew my mortgage and decided to look at my credit rating. It went from excellent 900 to 540 poor due to reporting late payment a few times during the 2 years period. I never signed a contract with them and never consented to them accessing…
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Difficulties with HSBC and credit score in general
I have been trying to adjust the credit limit on my credit card with HSBC but it has been denied regardless of how small an increase is asked for. I have had an account with them for a long time of which my debit account has an overdraft and I have a credit card. HSBC does the credit checks with Experian so I thought I…
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file says not promotional
as the topic says ive got a natwest card 0% promotion which is showing on my statement and app but checking clearscore its saying its not is it worth getting natwest to update the correct info
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MSE Affordability Score shows my disposable income as "very poor" but my wife's as "excellent". Why?
My wife and I both have perfect credit records and decent incomes (mine was £112k last year and hers £131k). However, despite the fact that we split our expenses equally her disposable income rating on the MSE Affordability Score shows up as "excellent" and mine shows up as "very poor". This is borne out with our credit…
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ClearScore's lax attitude towards personal data security
I recently tried to login to ClearScore with an account that I hadn't used for a long time. It rejected my login by telling me that my account already existed. Well, duh!! So I thought I'd try creating a new account, but it refused to accept the password that I'd set a few seconds earlier. So I tried a password reset and…
