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Credit file & ratings

Archives for July 2014

Individual Electoral Registration – changes voting registration
The way we register to vote in England and Wales has changed and will change in Scotland from 19th September 2014. The change means, rather than one person registering all members of a household each individual will need to register themselves. You need to register in order to be able to vote If you aren’t registered, you…
Experian Credit Report as Security Check?
I was attempting to buy a phone online, and after it all seemed to go through smoothly, I found an email telling me I had to phone the company (Mobile Phones Direct) and answer a heap of further security questions. Now, if I were buying this phone on credit I'd have some patience with this, but I wasn't, I was paying in…
Credit score
Just checked via Experian and my score is 714. I have 2 late payments but everything else is up to date. I am struggling to keep up my credit card payments and considering a DMP but wondering if I should just continue paying in order not to make my score worse. I pay £500 of debts as minimum payments each month and have a…
Credit limit increase affect credit score?
We applied for an agreement in principle with halifax in May and were told our credit score was ok but not top so we would need to put down a higher deposit. Since then we have been trying to build our credit score so when we come to buy we can use less deposit. We have been reducing credit card balances and 2 credit card…
Help with removing defaults on credit report
Does anyone know of a recent tried and proven way of removing defaults from a credit report? I have two defaults one from Santander dated 2010 another from pay day loans dated 2012, didn't understand how important it was to keep a clean credit history till recently. I never got any letters or correspondence until I was…
Advice please
Hi Moneysavers, Hoping I can pick your collective brains on something. I recently encouraged my girlfriend to get a credit report in order that we can start to build her a decent credit rating. She's from Scandinavia and although she's had credit agreements like BT and overdrafts before in the UK, she's not had a credit…
Late payment
Up until very recently i had never missed a payment on any of my loans or credit cards. Back in April i foolishly thought i had made a payment on my RBS credit card - it turned out i hadn't. I rectified this asap but have still got a late payment mark on my file. This is the only red blot amongst a sea of green. when i…
Default on my credit report due to tmobiles error
I noticed recently that a default through EE was on my credit report, this account was one I asked to be closed in september 2013(being a sim only 30 day contract this should have been easily cancelable) after the phone it was related to was stolen and therefore I asked the EE to swap the account to pay as you go. The pay…
Default date on credit report 1 year after default notice
I had a loan with lending stream which I took out the end of August 2011 & when checking my credit file last week I noticed they had placed a default on my account. I had never received a default notice so I contacted them asking them to remove the default as I had never received the notice, they finally got back to me…
Defaults wrong?
I've been checking my credit reports over the past couple of days and today something hit me. I had lots of problems with credit when I was finishing university for the first time in 2006, we then had a pay out in 2009 and cleared a lot of debts. When I look on my file it shows the date of default as being a couple of…
Credit card checker
Just tried the Martin credit card checker as I was waiting for a phone call and had 2 minutes spare. Failed because I had apparently not entered a valid date of birth. I have had the same date of birth for over 74 years. ??????????????
removing 11 years of '6 months' delinquency markers
Hi, I recently approached Equifax to remove delinquency markers on my credit file dated 2002 - 2013. To be clear, it came to light recently that for 11 years my credit file has been marked as being 6 months delinquent by Paragon for car finance account. No defaults have been registered. There is no CCJ. In 2014 Paragon has…
Should canceled Credit accounts still be listed on CR?
If you withdraw/cancel a credit agreement within the first 14 days of the agreement being made, should the account still be recorded on your credit report? My reason for asking is this. At the beginning of the year I had a tight spot financially. I had no access to credit so used payday loans, however instead of paying at…
Low Credit Rating and Partner has a good Credit Rating.
Hello all. I am 29 years old and I have a low credit rating and my girl has a good one. We are looking to buy a house we have deposit saved up. I have a default on my account which goes off on 23 August and I have a satisfied CCJ for £215. Anyone give any advice so I can build my credit rating enough so we can get a…
What looks better on file?
Hi everyone, hoping for some quick advice. The only active debt I currently have is a £900 balance (Credit limit £1.5k) on a Nationwide 0% interest credit card, which is being paid by direct debit and will be cleared before it starts charging interest next year. My partner and I are currently saving for a mortgage deposit.…
Will my girlfriends bad rating harm mine if she registers to vote at my house?
My girlfriend is moving in with me. My rating is excellent but hers is terrible. If she registers to vote at my house will it affect my credit rating? I would like to help her improve her score - are there any ways I can do it that won't harm me? Thanks for any help you can offer.
Equifax membership payment.
Hi can anyone offer any advice on this. 14 months ago I cancelled my monthly membership with equifax. When cancelling they offered a identity watch protection package. I thought they said it was free but they tell me now it's only free for 12 months then £2.99 per month thereafter. Fair enough I can live with that however…
Refused aqua card.
I'm trying to repair credit file lost of defaults from summer 2009.all balances are now zero.is there a way to repair file with out credit card as they won't give me one. :0(
Credit Rating is wrong
Hi, Could somebody help me and explain in simple terms what is going on please. 3 years ago my credit rating was very bad 1 out of 5 on noodle not for bad payments etc, just that I had been abroad a long time and no records of me were found. I bought a new car through the company moneybarn as they were the only ones who…
Missed payemnts - account in my name but DD in someone else name
Hi, My dad took out AOL broadband a long time ago so when he switched bank accounts he forgot to change the direct debit. This meant he missed a few months payments. Anyway when the letter arrived to say he had a outstanding balance the letter was in my name (son) as I was the first one to set an email account up when it…

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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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