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Credit file & ratings

Archives for November 2013

ICO guidance defaults.
Hi, I had an overdraft account with Lloyds which went overdrawn in August 2007. It was never brought back into line and in December 2007 I finally rang them and they increased my overdraft limit to cover the future charges that would be applied to my account and entered me into an 'arrangment to pay' schedule. Due to the…
Improve File by Closing Accounts
I have quite a few different credit facilities with catalogues and the like that have very low balances. I am planning on clearing these balances off and closing the accounts as my exposure is definitely presenting as a risk factor right. I know it is somewhat arbitrary but my "Score" with noddle has tanked in the last few…
Lowell Portfolio (Mobile phone contract)
Basically when i was 16/17 i took out a mobile phone contract online with Tmobile. Loaned the phone to my brother and he ran the charges upto £90 and refused to pay. I couldnt afford it as i was at college and he wouldnt pay up. The bill then went to £176.52 Letters were sent from Tmobile but i could not afford them.…
Why was I declined?
My husband recently applied for a mobile contract with T-Mobile,he was declined. No idea why, so we sent off for credit ref files,and they arrived today. We cannot see anything on there that would give reason for a decline. We have a tiny (almost paid) mortgage, 2 credit cards that we pay in full and on time every month.…
Online dating sites - will they show on my credit file?
I'm not sure if this is better posted here or on the relationships forum... I've been thinking for a while about signing up for an online dating site but I'm in the middle of a mortgage application and I don't want to do anything that could jeopardise it. I'm trying to find out whether the membership fees would be treated…
Credit score clear but no credit!
Hi all I have a credit score question. I never had a problem with credit, then left my husband, got divorced, rented a house, and it all went awful! Even though I had done nothing different financially, not defaulted on anything, not a sausage, as soon as I moved it all changed. So, I did the credit reference agency thing-…
Total confusion, equifax & noddle
I applied for a 'bad credit' credit card a couple of weeks ago. I have no credit or defaults and an excellent score on experian. I filled out the eligibility test and it came out as 80% likely to be accepted. I wasn't accepted. A letter said they use equifax, but I couldn't understand why I had been refused. Tried to get a…
company accounts
hi i would like to access a small companys business accounts can anyone recommend a website please
Default on credit file
Hi all, just after a bit of advice.. I had an overdraft with Santander, which, I rather stupidly left dormant for a while (about £1700). I then received a letter from a debt recovery agency (without any contact from Santander) and so have set up a repayment plan which I am keeping to without any problems. However, my…
Are Cabot taking the P?
I started a DMP in 2010 when it all went wrong. All my creditors except BC defaulted the accounts and are now (or the DCA's they sold to) happily accepting my best efforts to pay it off. BC did the old AP trick on my file so I complained earlier in 2013. They relented and added a default to my file dated late 2010. So far…
someone using my address
A friend used my address for his driving licence and now for his car insurance. He is sofa surfing at the moment and does not have a permanent address so I thought I help him. But I am concerned about potential risk as he can use this driving licence as proof of address for all sorts of things. I am now in the middle of…
How long does it take to see improvements?
So my rating is pretty poor right now. I have 1 missed payment (last month, caused by a DD mishap with ex), then Experian says I have 3 missed payments earlier this year, but Noddle has those three payments marked as arrangement to pay (I need to speak to Natwest about this, by the by is it better to write to them or go in…
Linked addresses!
Hi all I've been offered a new job which is subject to a credit check. I have built up a lot of debt in the past 10 or so years (now c £8k) and have had lots of credit cards as I've shifted over the years to take advantage of balance transfers etc. I've just ordered a copy of my credit report and I notice that I have 320…
Debt relief order and rebuilding credit
Good morning, I was issued with a DRO 1st May 2012 after being in debt management with the CAB for three years prior to that. All sorted not and complete, happy days.....almost. I have no interest in credit, however the world has different ideas. My job involves time away and expenses, which after being paid out are…
Revolving Credit Account - What is it?
I presume it's a new mobile phone contract it took out with 3 in June of this year? Appraently it's having a 'negative' effect on my credit rating!!!:rotfl:
Fair credit with a settled default
Hi, I'm trying to find out how badly this effects my power to get credit. My account was settled in 2009, it was a balance of 175.00 and was from my younger days. I have 2 credit cards again with low balance i got these just to try and improve my credit as I would like to apply for a mortgage. My credit score is 801. Will…
Bad Credit Rating
Hi there, wonder if anyone can help. Have a red flag with EE on my credit check which dates back to 2007, although I paid EE (at the time they were Orange) back in 2008. Have had numerous different debt recovery companies try to get this money off of me and it is now listed under a debt recovery agency on my credit report.…
Can't get credit so how do i improve my credit file?!
I've a terrible credit score, couldn't get credit if I tried (not that I want it at the moment). I have defaults which i know will come off my file in 6 years once the debts have been paid BUT how do you build your credit score up again if you can't get credit? Even when i've cleared the debts i doubt i'd get any credit…
Defaults Settled/Satisfied when I haven't paid off the money?
A couple of years ago I had to put one of my companies into administration, and it really messed up my credit file. I was left personally accountable for the business loans which I guaranteed, and couldn’t afford to pay off several credit cards that I had. I have kept up payments on my mortgage, current accounts and phone…
New Credit Card's
Hello, Two questions... I'm currently 24 looking buy a home with my partner in 6 months’ time. I have banked with First Direct since Aug of this year, they have now offered me one of their "gold" credit cards. I currently have a nationwide credit card already (held since Jan of this year). If i take out this second card…

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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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