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Credit file & ratings

Archives for June 2014

Don't know why my credit rating is so bad
Hi, I have recently just moved into a new house and tries to sign up for a catalogue in order to buy a few essentials that I can't afford right now, but was hoping to pay over the course of a few months. However I have been refused for every one I have applied for and am confused as to why. I have never bought a contract…
Credit reference company
Hi can anyone help I have looked on my credit expert company and a loan I have with debt company is not shown does this mean it has been sold on
Linked Address
Hi Equifax is still showing a linked address on my credit file. I have not lived there since 1999. Virgin are still reporting an account from then as live but no balances outstanding and no late payments or adverse information on it. Is it possible to get this address removed by Equifax Any advice would be appreciated. Phil
Call Credit Sell Addresses
Call credit aka Noodle sell addresses! Be aware of this if you register with them. I was getting junk mail from capital one. I rang them up to ask them to stop sending me mail. The man I spoke to advised me that they had been given my address by Call Credit. My only dealing with Call Credit is registering for a free Noodle…
Credit Score Not Acceptable
Hi all, I just applied for an M&S Bank Account to take advantage of the £100 voucher. Let me be upfront before I continue: I move banks fairly frequently, and sometimes credit cards (though not recently). As an example, right now I have: 1 Lloyds Account 2 TSB Accounts 1 Santander Account 1 Bank of Scotland Account The…
Unfair arrears with orange
Hi, iv flicked through here and seen a lot of people seem to have had some bad experianced with orange mobile phone contracts! I had a contract with them 2008-10 and from day one they screwed it up. I was given so many minutes, texts and Mb as per usual but was often charged for more than what my standard price was, they…
Confused by my Credit Rating
I’ve been using Noddle to keep an eye on my credit rating for a while now but am confused by my most recent report. To give a bit of background: I used to have an excellent credit rating. Unfortunately my disability triggered a decline in health, which left me unable to work and I got into debt. I ended up owing about £5k…
Is it worth bothering?
I have been debt free for over a year now, and live well within my income. The only borrowing I need is to perhaps move my mortgage when my defaults drop off in another 5 years (I only have 8 years left anyway) Is it worth bothering to rebuild any kind of credit rating in the meantime, like by getting a subprime card, to…
Getting proof of banking history
A tribunal court is asking me to give evidence of bank accounts I held 3 years ago, is there any way of showing what uk bank accounts were open in my name.?
Credit Rating Suddenly Changing?
Hello, My credit rating has clearly took a downward dive and I am not too sure why. Around the age of 18-23 my credit rating wasn't the best. I had a bank account where I was over the limit mostly and a credit card that I maxed out and barely managed to pay back each month. My debts of around £3000 were causing me issues,…
Info required regarding paying off a debt
Hi there, I paid a debt to a company called lowell group in payment for a unpaid debt on my behalf. Now the debt was in conjunction with a CCJ they were going to file but on the notice i paid them 2 weeks before the month in which it could be classed as satisfied. So on the phone the woman said she would sort out an email…
Default after 4 years?
Hello all. I have checked my Experian report again today and notice that Motormile finance have added 4 defaults to my file, right after I spoke to them to pay off a debt and they said I still had other accounts with them. I said that I would need to look at these and figure out what I could pay as I wasn't aware of them…
Will I get a mortgage
Hi, I'm new on here so please be gentle, I'm looking to buy a house with a 10% deposit but if have a low credit score due to a default in 2009 and a recent change of address means that the electoral roll section on my credit report is yellow (fair) and I've read that the more searches a lender does, the less chance you…
Credit Search/Credit Footprint EXPERIAN
Hi all, Was just wondering if anyone knew how soon after a credit search/credit footprint has been performed by a lender it will show under recent searches on Experian? Many thanks!
Renewing membership with Experian Credit expert but having issues.
I've reset my password on my old account and got an email saying to check my credit score click here. I clicked which brought me to a page saying i'd need to renew my membership to which i filled in all the necessary information but can't get any further as it's saying i need a 'promotional' code for this offer. To my…
Question on Credit Scores
Hello, Im just wondering how important a credit score/Credit Rating is if i do not plan on going into any more lending? But on the same subject i currently have an Experian rating on over 700 (Good), However i know that i am in crippling debt.. And finally.. As i already have a mortgage, when it comes time to move to a new…
6 years on....
And Equifax STILL have a £10K CCJ showing as live despite HMRC agreeing they have it as "settled" My rating with them is 400 as against 900 with Experian, who dont even show my BR now...i have 2 credit cards and got £1000 hp on an item, so something must be working Do I have to go round and kick the doors in to make them…
Stupid mistake
I'm a single mum of 2 that works part time. I recently got several catalogues out in my uncles name using my address but with all of his details, his name, d.o.b, and said I used to live at his address he still lives in now. He has an amazing job with great money. I needed a mew washing machine so I used his details when…
Credit File General Questions
I am in the middle of applying for a new property to rent and fully expect the landlord to run a credit check prior to giving me the property. The rent is within my budget but I ran in to some debt problems around 6 months ago and have checked my credit file to see the details of these. Im trying to make my credit report…
Rent Payments on Credit File?
Hi I seem to vaguely remember MSE mentioning that monthly rental payments will appear on / count towards your Credit File? I think I saw it on the website at the end of last year? Can anyone confirm this and / or when this may come into effect? My BF have been renting since Sept 2011 and are looking to buy a house in the…

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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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Credit file & ratings

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