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Credit file & ratings

Archives for January 2015

AIP approved, waiting on underwriter, coming back for more payslips and stuff
Hi guys, New to this. Waiting on a mortgage approval and distracted lol. Do virgin money underwriters solely go on experian or do they use equifax? Any help v gratefully received :-):o
Provident Personal Credit Nightmare!
Hi everyone, I have a nightmare issue with Provident i'm hoping to get some help with. Me and my wife both have a loan with Provident, However in November my health became worse and our agent was made aware that we were having problems, Our agent never came to collect, He left is weeks before collecting and i made a…
checkmyfile
I have checked my credit on check my file which pulls info from experian eqifax and credit call. I also subscribed to experian site and they both show totally different info my equifax score is 603 but check my file says its 408 Has anyone else had this problem?
really bad credit file
Hi all, just a bit of background, I've been through a bad divorce and have to markers on my credit file, one for repossessed car and the other for mortgage issues.my problem is I've a got a cov building society cash card account and they wont nor any other bank will allow me a debit card due to these markers, as most…
Tools to improve poor credit score
My credit rating remains low as I find it difficult to improve it. - I have Capital One credit card since last year August - Contract phone since April 2014 That is all. I have always paid the above on time. I tried to apply for about two credit facilities every 3-4 months but still finding it difficult to get accepted.…
Empty, unused accounts - better closed?
Is it better to close empty currant and savings accounts, or do they do no harm? Obviously, I mean free ones with no charges.
credit searches for reducing an overdraft
I have been tidying up my finances recently and decided to reduce one of my overdrafts, it I currently £1000 but I haven't used it in 8 months so was going to reduce it to £300 but as I was going through the process it flagged up that a search may be recorded on my credit file. I'm not particularly worried about my credit…
Different Credit Companies, Different History Details
Hi All, I am checking my credit reports in advance of applying for a mortgage and have noticed that my reports are quite different between Experian and Equifax. One is 'excellent' and the other is 'fair' and I don't know if this is because they hold different information. So, some of my accounts show up on one, but not on…
EON have ruined an excellent credit rating
Eon have ruined my credit report with Equifax. This company think that they are a law unto themselves. I have requested 3 times that EON put me on a quarterly bill and three times I was told that this had been done (I have taped telephone calls to prove this). Eon to my horror kept me on a monthly bill without telling me…
Reduced monthly payments agreement effect.
Hi, Basically my credit score is mediocre. My ex has left me with several different debts and I've not missed payments so far but the minimum payments are really making months a struggle. What I would like to know is, I was thinking of contacting the credit card company who and explaining I'd like the card freezing and…
Gap in electoral register, student linked addresses: Credit for Mortgages
I'm looking to take out a mortgage soon but my credit files have shown up some minor things which concern me and I was hoping someone could advise if I should try to correct them, and if so, what's the best way (i'm signed up on the free trials at Experian&Equifax and the free for life at Noddle): 1. A 3 year gap showing…
noddle credit check
is the Noddle credit report accurate, or would I be best signing up for a free trial from either experian or equifax ? thanks.
Credit file to be checked for new job
I have just been offered a new job and have been informed that they will do a credit check on me for the position. The role is working within an financial firm but I am not directly dealing with money as will be working in an administrative role. I have concerns about my credit file as I recently found out it is very poor…
Equifax credit score
Hiya, I've recently checked my credit via Equifax. It says I have a poor score of 364 even though my last default payment was 58 months ago. At the time I was unemployed and settled my credit card at an offer that MBNA made me of £2000 when balance was £4000. Since then I have got a new credit card with capital one and I…
Available credit / credit rating confusion
I have spent the last year trying to improve my credit rating, by paying off as much of my debt as possible, and, in respect of credit cards I have been reducing my available balance, to make sure I don't spend thing. I earn a good salary and am never late paying (DDs set up for everything) so was shocked when i signed up…
Benefits of Repaying Quicker
Hi, My credit file doesn't look healthy at all due to missed payments and defaults but the last year I have been tackling these and have repayment plans set up for everyone. My question is that I agreed these arrangements based on snowballing the repayments, but a couple are now at fairly low balances (£100 or so). Would I…
Can I get a default on a CCJ?
Hello Hoping someone may be able to help, I've tried searching but couldn't find anything similar. So, cleared around 7k of debts over the past year whilst I moved into my other half's rent free. I'm trying to get debt free and be in a position to purchase a house in a few years. So here's my dilemma. About 10 or so years…
Will cancelling a DD affect my credit score?
Hi folks, I have the misfortune of having a lease/rental on two Pitney Bowes franking machines until 2018. The scumbag salesman amended the lease date after I signed and despite arguing, it's my word against his so the agreement stands. That was several years ago and I have since moved to a Royal Mail OBA account which is…
Can't find info at Credit Bureau?
Hi. I found this website upon trying to learn how to improve my credit rating. For some reason, I've always had bad credit. I don't even know why, I don't think I've missed any payments in a long time, I paid off my overdraft from my Student account.. I would have done more but I seem to get rejected for everything. I…
Credit Check Advice
I've never really paid much attention to my credit history, never applied for anything substantial and never been rejected for anything I have applied for. Until today that is. I wanted to switch my current account over to Halifax as their account offered the best rewards for my level of income (and the £100 incentive…

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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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