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Credit file & ratings
Archives for April 2013
Discussion List
Default date on credit file wrong
Hi there. This is my first post and a little advice is needed. In 2005 I had a Barclays loan which I got into financial difficulty with. I have since repaid the loan in full and recently got a copy of my creditfile from Experian. I noticed that a default has been registered in 2011 even though I have a letter from them…
Letting agency "credit checks" and experian scores - fair?
Having become debt free it's great. I can see all my money going into savings and I can really move on with my life. I'm even able to start to make some strides towards saving for a mortgage now. But I'm deeply concerned that I won't be able to move because of the problems which will remain on my credit file for years.…
Noddle free report
Hi all, I'm looking into getting my free credit report from Noddle to back up the Equifax statutory report I've already got (Experian will take a week so will prob not bother as I've been happy with Equifax in the past). Has anyone got their report through Noddle? I know that it will show similar info to the other agencies…
Credit report update?
Hi, just a quick one re my credit report. I have previously defaulted but later satisfied account. Will this remain on my credit report for 6 years from the date of default or 6 years from the satisfied/settled date? For info there's 5.5 years between the to dates. Thank you in advance.
Experian & Equifax
Hi everyone, I just wondered if anyone else is having the same issues I am with the different credit reporting companies... I bought my equifax report yesterday and got a "fair" rating. Today I bought the experian one and was rated "excellent" I have two small defaults (settled) on my file, one from 2011 and one from 2008…
Experian credit reports
I've been signed up with Experian since new year so I can keep my eye on my credit score to see how it's doing. It hasn't changed at all since January. The same figure for "amount of outstanding debt", same figure for "amount of available credit". All exactly the same, nothing at all has changed in three months. This is…
Payday loan affect on your credit file help !!
I am new here and looking for some helpful advice. I have had a pay day loan a few times from payday express. Always paid back on time no issues. I have settled what I owe them in full this month and will not be taking another one again ever !! Now what I want to know is when a company ie Tesco bank, nationwide etc do a…
Experian, Equifax and Noddle 'scores' and 'ratings' have little value
Pasting this as the number of threads every day is ridiculous. For people purchasing their 'credit score' from the likes of Experian, Equifax and Noddle - please do not pay extra for this. The same goes for any 'ratings'. Reviewing your credit file is sufficient for you to see if you need to take action that will make you…
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MSE News
Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
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