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Credit file & ratings

Archives for June 2013

Default/prepayment metres
Hi guys, A few years ago I hit a rough patch and neglected my electricity/gas and ended up in debt. (more so for gas)I opted to gave pre payment metres installed 3/4 years ago and have managed to pay off the electricity debt over 1year...maybe 2 years ago. Still in debt with gas but tonight I signed up for a credit file…
Been offered a loan, but want to decline it - credit rating issue?
Hi, I applied for and have been offered a loan from The Yorkshire Bank. The amount of APR is higher than I expected. I've not accepted the loan yet so If I applied to another company to try and get a better deal on the loan would it cause a issue with the credit scoring? The loan is to clear off my credit card debt, the…
O2 are credit ruiners
There's already quite a few entries on this forum about o2 butchering people's credit. A quick Google search confirms that what they did to me, they've done to hundreds of others. So here's my experience. After being with o2 for years, I decided to take a mobile contract with T-Mobile. When T-Mobile took over my number, o2…
Is this even legal?
Hi all, first time poster so go easy... My girlfriend and I recently failed a credit check for a mortgage despite walking in with £10k (10%) and backed by a £60k joint income with the knowledge that the repayments would be 30% less than our current rent :shocked: I guess the reason for this being that we have never…
£1 only monthly payment on credit card - does it affect credit rating?
Hi there, Can anyone tell me whether paying only £1 per month to your credit card company and asking for them to stop charging interest affects your credit rating? I have seen a few template letters to send to companies to request this so it's obviously an established option. If you can tell me where I can read up on this…
buchanan clark wells - phishing?
Fed up with constant spam phone calls from India my phone company obligingly changed my landline number for free. Now I am getting threatening phone calls, all automated, going straight to my answer phone. It's buchanan clark and wells not naming me, or anyone for that matter, but insisting I call them on premium rate…
What do landlords see?
I have two credit card accounts that are AP... and a default registered 2 years ago that was settled very shortly after. If I apply to rent somewhere new in the UK and the landlord runs a credit search, will these come up? What exactly do they see? Never had a credit check on rent before, so curious what may come up if I…
CCJ removal.
I had a CCJ registered against me by Black Horse in 2011. Black Horse have sent me a letter saying that i owe them nothing. they sold the debt on to a Third party, and I have made what I believe to be a fair and amicable arrangement with this third party, who also seem quite content with the amount i am repaying them at…
Insurance comparison sites- search impact
Hi i have made some home insurance enquiries via comparison sites and note these searches get marked on your credit report- do these have any negative impacts at all on credit rating as i just did a search to compare quotes and nothing else and now these searches show on my credit report - is that an issue?
Possible fraud happening.
My wife went into M&S and enquired about the postal ordering process. The assistant after asking for the post code then asked my wife if a certain persons name was correct which was associated somehow with the data she had called up (not a name that should be there!). This name was not hers or mine and unknown to us. We…
Very confused.com - Noddle
Hi, Can someone please shed some light on this as I'm a tad confused. My partner had a default that was 6 years old on 24/6/13, It has fallen off her credit file this month with the update from Noddle. Her rating was 3/5 last month, all other accounts in her name are fully up to date, shes not financially linked to anyone…
6 years?
When a default is put on your record - who sets it stays on for 6 years? I understand there needs to be a penalty for not paying debt and have myself got defaults that I have now paid and been debt free for 3 years. For me now it seems 6 years is a very long time and the system doesn't seem to be working (more and more…
National Hunter
I have heard people talk about this company on here and how it holds data on each person. Can you get access to this information, where do you get it from and how much does it cost? (presuming that I can have it). Thanks
Cash Advances - Bad?
Hi Everyone, With all the talk about mortgage/loan companies not liking people who take out Payday loans, this got me thinking... Would it look bad to a credit card company if you withdraw cash using your credit card? Now, as far as I am aware, this information doesn't appear on your credit report or affect your rating…
People at my address being made bankrupt?
I unofficially rent my shared-ownership flat out to my sister. (its in my old name, I have since married) She has now moved her partner in who has loads of debt and is about to declare himself bankrupt. Will this affect my credit rating?? I live with my husband, so have a different name and address to when I lived there,…
Address Assistance
Good Afternoon I am in the process of moving home (I am going to lodge with my friend) but I want to send all of my mail to my mothers address (other than my main bank account). Will this affect my linked addresses on my credit file? I don't want multiple addresses on my file, or is this information only used from…
two defaults about to come off, will my credit score jump up?
Hi All, One last question, I think! I have two defaults on my record which are due to come off within 8 weeks. Once they do, should I expect my credit score to jump up? I have 3 credit cards and a store card at the moment (total debt around £5k) which I am paying a little over minimum payments on. I was hoping for a loan…
Defaulted account details
Hi All, I have 2 defaults on my account, the details are; Entry Number: C9 | Account Updated to: 07/12/2008 Name - Poorcouple Address - Poorcouples address Date of Birth - Poorcouples DOB Account type - Utility Started - 22/11/2006 Default Date - 13/07/2007 Default Balance £62 And Entry Number C1 | Account Updated to…
Time at Current Address
Hi All, On a credit report, does the "Time at Current Address" section matter, if, for example, it differs from one search to another? To give you an idea of what I've done - On a couple of separate applications I guestimated the date that I moved into my current address. On one application it says "time at current address…
Previous Searches
Hi All, I'm just doing some Credit Report tidying up, and wanted to know whether any of these 'Previous Searches' will have a detriment to my record, and whether there is anything I can do if so? * Credit Card * Business Airtime Retail (3 mobile) * Identification: Generic Check * Quotation Insurance * Unrecorded Enquiry *…

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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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