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Credit file & ratings

Archives for August 2014

Incorrect Default is Ruining My Life - Pay for Deletion
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Credit check and employment?
Several years ago I slipped into bad debt and ended up having to arrange payments to independent collectors as opposed to the banks and credit cards. I have been paying the debts, slowly, monthly since up until about 4 or 5 months ago when I hit a few issues. But I am back on it now and infact I managed to get a new credit…
any savings accounts that can help build credit file up
apologies probably a really stupid question....as the title says.....it just got me thinking as I know nationwide do an account save to buy which some say may make you more favorable to obtain a mortgage by nationwide? are there any other specific savings accounts, that are helpful??
improving credit file! even got refused for credit builder card ...any tips
I heard a good way to try and improve credit file is to get a credit builder card...I tried and even got refused for this :( I saw something about pre-paid debit cards....can anyone shed any light on this any tips on this and general improving credit file to give you a idea where I am *one paid simply be account- it was…
Credit Score is High, Will I Get The Credit?
Hi, I have previously defaulted on two credit accounts, however, for nearly 3 years I have made consistent and regular payments bringing the total owed to both lower than £900 and my Experien credit score currently sits at 976 (has done consistently for 3 months now) We are considering new sofas from Sofaworks, this will…
cant get credit report
I am getting rather frustrated with these credit systems. I want to check my credit report but i need a bank account. I cant get a bank account because i have no credit or bad credit, how am i supposed to improve or rebuild my credit if i cant even get a simple uk bank account. I have to do everything in cash n use other…
Someone getting credit/current account cards at my address
Hi. Grateful for advice. Recently two of the above cards, one for two separate individuals, man & woman, with hispanic sounding names, arrived at my house with the pin numbers, both from the Halifax. I returned them as "not known at this address" but now an invite letter from the Job Centre addressed to one of the above…
Credit in someone else's name
Hi everyone, Hoping someone will know the answer to this or have had a similar experience. My girlfriend's mum has credit out in her name that she was unaware of, they have defaulted and is now holding her back from getting a new car. My question is, how can we go about getting these removed from her credit file? She has 2…
illogical finance outcome
Hello Basically I have a 610 Poor credit score with 1 satisfied default on a car hire purchase which is nearly a year old and 1 missed payment this year.I applied to finance a £5000 motorbike through Honda and got declined.I then went to ford and applied for finance for a £17000 ford fiesta on PCP and got accepted hows…
A little advice
Good morning need a little advice, I have been looking at my credit file and it is far from prefect i have a number of defaults 2 will drop off end of September this year and 4 end of January 2015. After these have dropped off ill be left with 1 default £181 and which started 2013 and one CCJ £551 that was started 2014…
Questions about what is really impacting my credit rating
I recently enquired about a mortgage with HSBC as I am now in a position where I can afford the repayments, I have a very good deposit and have no debts to speak of however during the application my request was denied during the credit check and I was informed to go check my credit file. I checked on Experian on there I…
Have Barclays ruined my credit file?
Hey Just to give you a bit of background information, I had a CDL loan with Barclays, which I defaulted on back in March 2009, when I lost my job. Last year, I was in a position to pay off my loan, I had £1300 outstanding and I had been paying it off monthly as per the agreement. I rang them in May 2013, and asked for a…
Accessing my credit file?
Hey all, Just a quick question, decided to sign onto Experian to look at my file and see the skinny, but to surprise it stated: "We need to conduct further checks to confirm your identity as we cannot locate you, please wait two working days and we will contact you by email or post as soon as possible. Thank you" Same sort…
Adidas and Reebok running Credit Checks?
I would like buy some shoes from the Reebok UK site but when I go to checkout (as guest) it asks for my date of birth! I looked at their terms and found this "Reebok conducts an individual credit check for each purchase in conformity with the Reebok Privacy Policy" What is that all about? won't that destroy your credit…
PPI defaults impacting credit score
Hi all, I wonder if anyone can advise me? As a student in the 2000's I banked with Lloyds who hammered me for all kinds of massive unauthorised overdraft fees, thinking that I've probably missed the boat on those but that's an aside... Partly as a consequence of the above fees, I left uni with a large overdraft. When I…
Improving credit file?
Thanks in advance for any advice that can be offered. I am a married, joint homeowner (mortgage). My husband and I have spent the past 4 years working very hard to pay off a DMP and get our finances in order. We recently paid off the outstanding balance with a PPI refund. During the time we have been on the DMP, we…
Time for Experian to Update Their Own System?
This has happened twice to me now, I had a default registered on 29/8/2008 and have been waiting with excitement for it to drop off on it's sixth anniversary. Checked this morning, it's still there. I pay for this service as to check things like that, bur you could imagine if I was in need of a mortgage, had my statutory…
Arranged Overdrafts - Do I need one?
Hi, I do have multiple current accounts but never requested for an arranged overdraft. It's just that I never needed one. Is having an arranged overdraft generally a good thing? How about keeping it used/unused? Will it be reported as another entry in my credit files? Basically, if I don't need it; should I even bother…
Sorry to spam the boards....want a mortgage in 2016. Credit score poor please read
Hi All, Thank you for taking the time to read. I was out of work after the birth of my son and missed payments from roughly Feb-June. Not every month but a lot of months. My credit score is poor due to no electoral roll which is now being sorted but mainly the missed payments obviously. I am making each payment each month…
How long does it take on average to push a score along in right direction
Right now my score is Poor as I was out of work and had lots of missed payments from around Feb-June. Since June however I have met all my payments on time. How long will it take until I start seeing little improvements on my credit score? Thanks Emma

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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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