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Credit file & ratings

Archives for July 2013

Update on AP markers vs Defaults
I've been rebuilding my credit file over the last few months so that although my DMP doesn't finish until next year, my credit file is as accurate as possible as soon as possible - I really would like a better mortgage rate than the one I have at the moment! So I have various defaults which become six years old between now…
Defaults and bankruptcy advice
I applied for bankruptcy in June 2012. I was discharged in June 2013. On my credit file I have seen some of my debts showing as default up to June 2012 then no further entries, some are showing as default up to July 2013. These debts were dealt with by the bankruptcy. I have been told that the default notices should only…
Old Credit Card but have lost the details!
I had a credit card which was opened in November 2008 which I thought I had closed in January 2009. I have recently checked my credit report and Noodle state that this account is still active. I have since moved but it still has my original address on this. I wrote to the credit card company stating that I would like the…
Credit check
Which is the best company to check your credit file and do they all give the same info?
Will getting a credit card help or hinder my rating?
I am 18 and as I have no credit rating really at the moment (Equifax showed no number for me :( ) I wanted to get one to make financial arrangements easier in the future. I was thinking of getting a credit card and buying all of my small things using it and paying off immediately. I have heard people say that this is good…
Temporary Move - Could it affect mortgage application
Hi, I'm having to move out of my current shared house for personal reasons quite quickly. I'd been planning on buying a house in the autumn. I'll be having my mail redirected to my new address, and only plan on staying there 4 months maximum. Will it negatively affect my credit rating and make the application difficult if…
Debt question
About 7 years ago I and my partner got into financial difficulties which resulted in our home being repossessed. We've since gone our separate ways. Straight away she declared bankruptcy, if I had any choice I didn't want to take that route. So I worked hard at paying off my debts, the only one I couldn't pay was the…
Unfair default?
Hi all, If anyone has any advice on this one, I would be hugely grateful. I've been googling and trawling the forums, but can't find a similar case (although there must be one somewhere). Back in 2007, my boyfriend had a joint Abbey account with his housemate at the time. When my boyfriend moved out, he sent Abbey a letter…
Help please- I have debt in my name from a family member taking out credit!!!
Hi there, I was hoping that one of you could please give me any help or advice that you can- I am really struggling to know what to do... A few years ago I checked my credit report only to find that a family member had taken out almost £9000 of credit out in my name- a mix of credit cards/catalogues/store cards- all…
Default just appeared
Hi all, Wondered if anyone had some advice for my Son. He'd missed payments on a store card, which lead to a default. He didnt receive any information on this but was told when he called up to pay the store card off over some months. Up until then the agreement hadn't shown on his credit file, nothing. When he'd paid off…
Credit rating check
Hey, can someone help? I've just done the credit score check and because my mum and dad have a county court judgement at there address which used to be my previous address and me and my dad have very similar names it's come up against me on my credit score, What do I do to change this??? Hope someone can help Thanks.
want to pay off debts and improve credit score
hi there i hope this is in the correct location. i currently have a high amount of debt through various debtors and have not been in position to pay these off after losing job. But now im in eployment again i want to improve score and pay off these debts. Some of the debts (large chunk) were in an iva which failed back in…
Twin Brothers details on my husbands credit file??
Hi We have just done one of the free for 30 days credit score reports and was very surprised to find that my husbands twin brothers credit details (including his poor track record) is included under my husbands name. How could this be so? His credit score is only just over 500 yet he has never defaulted and although we…
Status of credit file
I have just been cleanin up my file as best I can by removing defaults that there were incorrect and generally making all payments on time and credit limits paid off every month. I have improved my experian score from 530 to 920 in six months and show as in the GOOD region, but I do still have a default on my file, just…
Defaults registering
Hello, this is my first post and need some advice please. I have a default on my callcredit file that initially was defaulted on April 2011. I have since noticed the default date has changed to November 2012 which I don't understand as the file clearly shows account first defaulted in April 2011. This seems unfair and…
Messed up direct debit caused late payment on loan
Hi, well I'm in the process of changing my banking to nationwide and they said they would sort transferring all my direct debits and all I had to do was keep a eye on my accounts to ensure there was enough money in both accounts to cover and debits that go out. Anyway on the 22nd my loan payment should of gone out and it…
Credit file
Hi all, I hope someone can give me some advice. Many years ago(10yrs) I had no choice but to enter a DMP. This was not an easy choice but I did not want a bankruptcy in my name. My thinking I borrowed the finance I should pay it back. Since then I have kept to my payments and in some cases most lenders are paid. I have…
Deleted credit agreement summary
Hi, I received an email alert from Experian saying "Credit agreement New / Deleted ". When I looked into it further it was in regards to my credit card with Aqua and it said the following "There have been changes to the following Credit Agreement in your credit file. Deleted Credit Agreement Summary" This credit card now…
Lost wallet - identity theft precautions?
Hi, Last night I either lost my wallet or had it stolen. Thankfully it was handed into a pub about 40 minutes after I realised it was gone. On collection today it seems that my money is gone but cards and driving license were thankfully left well alone. Given the time that passed I'm thinking that either I dropped it and…
Whats the use without a 0-999 figure £2 report
Hi, I did the £2 statutory credit report with Equifax this morning. All very interesting seeing the amount of information that they hold about me from years and years ago. Nothing really bad except a default on my home broadband for 2 months in a row then showing the month after I settled it. I cant remember anything about…

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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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