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Credit file & ratings

Archives for July 2014

Help :/
Every time I look at my Experian report I get more confused than the previous time! If someone could please point me in the right direction/give advice it would be very much appreciated. Ok. So my credit file up until two weeks ago showed two accounts with Lending Stream. One was shown as settled (previously had a balance…
bankruptcy
Hi my bankruptcy will have run its 6 year course on 19th april 2015 does that mean the red default marks will stop appearing on my file thanks
Will changing my name affect my credit rating?
I have just got married :j I was about to start putting my affairs in order re my new married name BUT this got me thinking, will this have a negative effect on my credit rating? It's currently very good ( no late payments, no defaults / CCJ's, good relationship with credit since I was 18, now 32), but I am planning a…
Negative entry on my credit record
Please help me out. I was refused credit a while ago, when I contacted equifax, I was told that I have a really bad entry on my record which made my rating poor. I told Equifax that the entry was wrong, they contacted the utility company who removed the entry immediately. I have a mortgage which has been really high, which…
How to Amend My Credit File? Help Needed!
Hey, Over the years I've been slowly building up my credit rating and in the last year or two seemed to be getting accepted for credit where I would have previously been refused, I was always paying off my cards on time (mostly in full) and never had any late or missed payments. Over Christmas I applied for credit at…
how long will it take to improve credit score
Me and my partner want to get a mortgage together. I have an excellent credit score but when he checked his in January his was poor. He has had a car on finance since November which he has paid on time and has not missed any payments and he also has a credit card which he uses every month and pays off. His debts were paid…
Full & final Settlement alters default date?
About 4 years ago hubby had a pay out and we paid off a large number of debts with full and final settlements. When I checked my credit reports I noticed the default dates were wrong and were all just prior to the settlement dates. When we saw the mortgage advisor she advised that when you make a f&f settlement the company…
British Credit Trust - Default Notice
Hiya Guys, In may 2007 i a brought a £25k car, i paid 15k cash and financed the rest with BCT, i've paid every month as per contract and eventually paid the loan off, however, a few years into paying the loan i started my business and wanted a card machine to allow my customers a way to pay, but i got declined for this,…
Council tax woes
I'm not sure if i am posting this in the right subsection - apologies if I'm not. I have council tax arrears with Stevenage council but dealing with them is near impossible. Calling them just leads to you being left on hold in-definitely. I have spoken to them once eve after 30 minutes on hold. Their main call centre won't…
Loan and credit rating
Hello all, hopefully you can help! I am going away for 4 months to America (I live in England but have dual citizenship) to be a student for the Autumn semester. I need a loan to cover for things while I'm away, rent etc over here and buy things I need while over there. Lloyds (my bank) turned me down today. First it was…
Noddle WARNING!
I was recommended to use a site called noddle The idea looks great, free access to your credit file forever (updated every 30 days). BUT, what they are NOT telling you is that any information you submit is used to update your credit record and shared with other credit reference agencies. E.g. your current address if you…
Tenant Credit Check
Hi I'm new here, so apologies if this is the wrong area to post. We've found a lovely flat to rent. I'm the only one working as my OH is looking after our son for now, so the Lettings agency is doing checks for me. So far they've asked me for my passport, a copy of my payslip or P60, a copy of my bank statement... Seems so…
getting ex off joint a/c and credit rating
This is on behalf of a friend. She is the main earner and her husband "looked after" the monies. He was meant to look after the 11 year old daughter but this came down to him driving her to and from school everything else has been done by my friend and he sits around all day doing nothing. He has worked but all cash in…
Default that's not a default :|
Hi Guys, On all three credit files, I have an old Lloyds TSB account from 2008, which since recently I didn't pay, it was an old overdraft with £1000 bank charges, anywho I recently started to pay it off via monthly payment to Lowel (Eurgh)... it's on my file under Lloyds TSB settled and it wasn't in default. It has been…
Removing a small default (£500)
Hi there, I have recently checked my credit file via checkmyfile.com because my wife and I are on the hunt for a house and are looking to get a mortgage. Time is of the essence as the in-laws would like to sell the house we are currently living in sooner rather than later. I have a single default on my credit file but it…
Will having my current account on my credit report improve my credit rating?
I'm trying to improve my credit rating... I have a CCJ which will drop off my file in two months and an unsettled default that will drop off my file in 12 months. Both combined are less than £600 I have two 12 month loans (£1000) and a credit card (£750 limit) taken out about 10 months ago in an attempt to give me a better…
Do Business debts show on personal credit file?
I'm wondering if someone can confirm whether a business account overdraft with a minus balance will be shown on my personal credit file?
DCA closed account still recorded default?
Not sure if this is in the right place or not :/ A few years ago I made a one off purchase from Next, and like so many others, found they opened a credit account for me when I asked them not to, and I'd chucked out the catalogue and credit agreement they sent. Check out my other threads if you want the whole story, but…
Credit card missing off Experian report
Hi, as the title suggests, why would this be and does this mean potential lenders would not include this when calculating borrowing if it wasn't disclosed? Thanks, KH
Capquest & Citifinancial
I discovered I had a default on my credit file. I did have some issue paying Citi but kept in touch the whole time and not once was I told I might be subject to a default. I never received any letters prior to the debt being sold to Capquest. I decided to try and get a copy as I had never seen one. Had a reply today…

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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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