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Credit file & ratings

Archives for June 2013

Default registered on credit file by Southern Water after 5 years!!!
I recently had an alert to check my credit file....to find an entry made by Southern Water for a default registered in March this year.....this is for property I moved out of in 2006 but was empty until I sold it in 2009. On advice I called them they told me the debt was from 2006 and defaulted in July 2007. I never…
Confused
Hi All, As adverted my MSE, i went to noddle for my credit report. I was surprized to see a entry for a loan for £2,500 that I took out in 2009 with B-clays. In mid to late 2009, I suffer with very ill health lost my job thru the illness and therefore couldn't meet the repayments after a lot of wrangling the bank wrote the…
credit rating what the hell??
checked my credit rating 4 days ago and i had a score of 993, went on today to check something else and noticed the score has dropped to 948.. a drop of 45 points for what? nothing has changed or been updated since i checked a few days ago so whats going on can anyone shed some light?
Council tax - summons to court
Hey all, I screwed up and didn't pay the council tax. I've recieved a court summons. They say I ignored a reminder but I didn't get one. :mad: I know it's my responsibility to pay it and I'm going to pay it, but i'm so annoyed it's in the courts now when there was no reminder. I just want to know from a credit file…
does personal credit affect your company credit (sole director company)
I have a ltd company which I recently set up. It's a low overhead company, no rent, no staff, limited overheads. But liquid (into profit within first year). I would like to get access to credit because I need capital big time. It's an equipment hire company and we're hiring out 3 different items - need to expand inventory…
Mortgage after 2008 default?
Can anyone please advise me?I defaulted March 2008 on a mortgage-took until Jan.2010 to sell house to clear mortgage but payments were late between March 08 and end of mortgage in Jan. 10. My question is will everything to do with this default(ie;late payments after default) disappear in March/April 2014 as I am saving a…
My credit file in 6 months time?
Currently my snapshot of my file is; 1 bank account in credit always has been, 1 bank account in overdraft (around £1k) 1 credit card (3 years never missed a payment owe £90 23%) 1 mobile contract defaulted owe £201 In six months it should be (all going to plan) 1 bank account in credit always has been, 1 bank account…
default from virgin media
I did my credit rating a few months ago . found out virgin media put a default against me. it started 21/02/2007, I rent a room privately from landlord for 4 months. during these 4 months because i was short term tenant so I didn't sign up for any utility bills. but I found there is a default under my name from virgin…
Settled debt has now changed to default on credit file
After a 3 year battle with GE money I had a remortgage belonging to my ex wife on her house changed from defaulted on my credit file and then changed to settled. I had help from my local MP in manchester to do this as I was associated with my ex wife in marriage. I have not seen my ex wife for 6 years and neither have my…
how long wait for removal of ccj?
My partner and I are trying to get a mortgage but due to an ex not paying a bill in my name I have 3 ccjs in my name which where taken against me 4 years ago all of which have been settled , how much longer will I have to wait ? also on a side note all though they are settled for at least 3 months the accounts show as open…
Refused mortgage because of default
I have just been refused a mortgage because of a default on my credit file I didn't even know anything about. I have spoken to experien and they say it is due to a debt in my name linked to my dads address which i have never lived at used only as a postal address for a month back in 2006. The debt is for £546 and was…
Anyone one know specifics for default dates??
Hi folks, I hope someone can help as I've been trawling the Internet for the last 3 days and getting nowhere fast! My OH defaulted on a car re-payment on 13th July 2007 The default was applied to his credit file in December 2007 The default is due to come off this year, but will this happen on the anniversary of the…
Bankruptcy and defaults 6 years on
A question. Has anyone had any experience with bankruptcy and defaults dropping off credit files? Mine are due to come off this weekend as the 6 years have passed. My bankruptcy has already come off early for some reason with Equifax (removed a few weeks early!). When I spoke to them today about defaults coming off I have…
Default that isnt mine appears on my record ?
Hi Back in 2004, a debt was taken out in my name on an address that i had lived at 6 months before. I knew nothing about this debt. In 2007 the debt was formally marked as defaulted .. but never appeared on my credit file, as I had checked. In late 2009 I got contacted by Apex Credit chasing the debt. I refused to…
My Partners Bad Credit history and My credit rating
Just thought I'd ask a question amongst the various financial experts on here, My girlfriend and I are looking to move in together into a house I'm currently getting a mortgage on, however she has a shocking credit history. She has black marks and flags all over it with some outstanding debts, I've an exemplary credit file…
default disappeared from credit file?
I posted last week regarding advice for my brother - short (er) version is he was offered a job subject to credit check, failed the check due to his ex using a catalogue they had whilst together, she didn't pay it, he knew nothing of the amounts owing as she moved the address, then it defaulted. Job said if he paid the…
Financial Associations...
I am soon to move in with my friend and I will be changing my address and electoral role .etc. Will this mean we are financially associated? Or is this only in case of having a joint credit account? Thanks
Finally Squaring my finances away
Hi guys long time reader 1st time poster Got a few questions but feel i should provide some background 1st Years ago i was a silly young lad, got a hire purchase car in 2005 messed around not paying payments as i wanted to use the money for other stuff (yes im stupid, and learnt the hard way) got a store card not actually…
defaults
Hi I have 2 defaults on my credit file, if I pay these off in full can these be cleared off my credit file, I am looking at getting a mortgage next year and I hear that these stay on your file for 6 years even if settled, is there a way round this please? Thanks
Late Payments after Default
I have recently checked my credit file and found some strange entries relating to a settled account. I had a joint bank account (never again) that my ex-wife continued to use after we separated. I couldn't close it because it was in the overdraft and the bank refused to freeze it because it needed both account holders…

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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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