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Credit file & ratings

Archives for July 2014

T mobile affecting credit report from old bill dispute, they say they dont have info
Hi I am hoping someone can help I have had to recently check my credit file and see t mobile have a default againt me it's concerning an old account that I disputed I was miss sold I was told it was capped @£10.21 PCM although received bills for over £100 so disputed and they did not listen ON a handwritten form from the…
Will her bad credit affect my existing mortgage?
I have a mortgage for myself already but I'm concerned having a joint account with my girlfriend might affect my mortgage in the future. Do they check your credit out after the fixed rate term is up? Will my credit cards interest rates suddenly shoot up when it is renewed? I have no plans to apply for any credit in the…
Credit Report shows debt in my name & address which isn't mine! - IDENTITY FRAUD
I paid for a one off credit report for £2.00 and it showed me 2 finance debts which are in my name but are definitely not mine! One is Next Directories and the other is Virgin Mobile. Luckily the Next Directories finance looks like it was paid off. But the Virgin Mobile finance was set up in 2009 and still has about £435…
Credit Report
Hi Folks This is my first post. I'm looking some advice re my experian credit score. I have 2 accounts marked default in relation to 2 credit cards they date back to Nov 08 and Dec 08 both were settled after negotiation with the lenders. Do they stop being a negative on my report after 6 years ann if so does this change…
Credit cards and credit rating...
I try to take up the best deals on cashback credit cards whenever I can and cancel the old card. Does this swapping about affect my credit rating? Ta
Need some advice about incorrect entries on credit report (Experian)
Hi, I am a longtime lurker on these forums, but decided to sign up to seek some advice. I am trying to clean up my credit record following my (now discharged) bankruptcy. I signed up for the Experian free trial to check my report and found a couple of things I wasn't expecting. 1: My old current account is still showing as…
Soft credit checks
What is the difference for lenders between the 2? Ie what do lenders see different between a soft and hard check. I know the difference for the consumer. Is the info limited somewhat on a soft check?
Credit Refrerence Agency searches
Hi, I have a couple of accounts that don't appear on Experian or Equifax credit reports, does this mean there is no record of me having them anywhere? Why wouldn't they appear on either report? Thanks, KH
Credit File Questions - Experian
I have recently tried to apply for finance for a car and was declined after a credit check. I was referred to a finance company for customer's with low credit score. After providing them with my details, they were able to access my credit file with Experian (I didn't know they could do this) and was told the contents of my…
old debt not defaulted - shows as 6 months in arrears - stay forever on my file?!
I have an old debt with Barclays bank which was an overdraft my husband ran up on a joint account. I have refused to pay it as it was his debt but he hasn't paid it either. It will shortly become statute-barred as it is nearly 6 years since any contact on the account and there has been no legal action etc. Issue I have is…
Noddle ccj
Good Morning, Hoping someone can help, back in 2009 The Funding Corporation tried to take me to court regarding a loan, long story short, nobody from Funding Corporation ever turned up to any of the court dates, and never sent any of the requested paperwork as a result the Judge granted a extract of dismissal with no funds…
Credit rating & Electoral Open(Edited) Register
I know that one should be on Electoral Register to improve their Credit Rating. However, if I exclude myself from Edited Register (newly called Open Register), will that affect my credit rating? Edited Register is the one where anyone can extract all the names and addresses in any particular area or post code, basically,…
confused with satisfied marker?
Hi we satisfied a loan default, and its updated today on husbands credit report but the report still says default in red, then in the payment section it states satisfied, and theyr put a red marker down for july when it says satisfied june 25th is this correct
Natwest & credit files
So my real question would be, - when does a credit account actually fall into the month behind - default etc. I'm raising this for my partners CC account btw, that was a few days late but is now showing as a late payment on his CF? I always thought you had to be at least a month late? ie over 30 days late with payment?
Double default from LLoyds and Cabot
Hello, I have a question regarding a defaulted account that is marring my otherwise glowing (well glow-ish) credit record. Apologies in advance for the long post. I'd be grateful for any thoughts as I lost the will to live just to get to this point. So... I was hospitalised in 2010 and had subsequent cancer treatment…
DRO and Credit File
I have a debt relief order that has been discharged, I was told that once it was discharged that all the debts that were on the DRO would change to resolved/sorted instead they have changed to unknown status and some are default and still active. According to annual credit report they are reporting that I only made 23% of…
£2.54 credit card balance not paid for 10 years
Hi everyone, I am just starting to look into taking steps to improve my credit rating when I got a letter from debenhams to inform me of details of my credit card account which I had forgotten about! I opened this account 10 years ago and had been under the assumption that it was both paid off and closed. I have received…
Surname in Relation to Credit
Hi guys, So, I'm just looking for a bit of advice. I've just taken quite a big career step and I'm now looking into getting a new car, unfortunately my credit rating/history is poor ("Very Poor" according to Experian) due to the fact I had a number of late payments etc. a few years ago whilst temporarily out of work.…
Professional help
Hi, I've been trying to improve / repair my credit report for a small while now and am getting bogged down quite a lot with the legalities of everything. I am confident at constructing correspondence in a commercial environment but have no experience with legal documentation. I have scoured the internet for help but often…
help rebuilding credit rating
hello new user here wanting advice on how i can rebuild my credit rating 25 YO now and cannot get any kind of credit, made a lot of mistakes aged 18 and abused my ability to get credit , mobile phones , over drafts etc and now cannot even get a current account in a bank only a cash account i intend to buy a car and a house…

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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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