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Credit file & ratings

Archives for April 2015

Old housing association charges in dispute , notice of default .
Hi guys , I'm hoping someone can advise me , I moved out of a rented housing association home about 3 years ago , we received a final bill which I settled promptly , about 6 month's later I got an invoice for repairs to the property which I am in dispute over , I never heard anything in the month's after moving out and…
Credit score help
HI ive had free trials few years back for both experian and equifax, but whats the cheapest or even free method to just get a credit score thats all i need to know. Thanks
Mum admitted to using my birth name 5 years ago
which is the default account on my credit file (in my birth name, not the name I changed by deed poll). I don't know what to do. I am supposed to be applying for a mortgage in the next couple of weeks. Which, I assume, I will be declined because of this. I haven't had time to tell them yet, they're closed, but IDK what to…
Late payment
I opened a store card in december. I have used it once and paid off as soon as the statement came through, just as I do with my credit card every month. I did not receive a statement last month and so it was not at the front of my mind, and I forgot to pay (working full time with two kids and a husband that works…
Who's responsibility is it?
When an inaccuracy occur's on your credit records. I would like to know who's responsibility is it to provide accurate records. I have disputed defaults on my records with experian and equifax. I have had emails saying they (the credit reference agency's) can't amend records without he creditors say so. I have sent them…
Loan from HSBC
Hi, I was going to apply for a loan with HSBC for a car who I have a current account with but decided to sign up with Equifax first as I was worried about some credit problems I had in 2011. My credit score is 493 but as I expected on the report I had 39 months since last serious problem on repayment conduct and it says…
No issues on report but Barclays refused credit
I have a clean credit report and high rating, always pay cards on time and have mortgage etc, no missed payments. Noddle report completely clear. Applied for Barclays credit card, have a mortgage with them and cards in the past but was refused, and letter arrived saying to check with Experian, and hinted that there may…
Old HSBC loan still apparently open
Hello, About a year a go an old HSBC Flexi loan account appeared on my credit report as open and as increasing by £40 each month. As background to this, my current account with HSBC, to which this flexi loan was linked was closed by HSBC in 2007 as a reaction to my having claimed back several thousands in bank charges. At…
Brought a house, did not move into - Does this count as an address?
Hi All, I brought a house and officially completed in December 2014- For 4 months the house was empty because I was going through a change in circumstances with my job. Since then, I have agreed with my mortgage lender to rent the place as I was offered a new job out of town and have tenants living at the address already…
Credit report corrections help
Hi there Has anyone got an idea of how long it takes equifax, experian or call credit to correct errors on their reports. I have an electoral role error with equifax (fine on other 2 but equifax shows my wrong date of birth) which has been outstanding for a few weeks now. However, on experian they are showing both my…
What to do when there is no credit agreement to be found and money is being requested
Hi, I’m new to this but really need some help and advice. I’ll post all the details so I don’t drip feed, so apologies for the long post. I started a process many years ago when my husband was sent a threatening letter from a company stating he owed them money. He was fairly sure that he’d taken out a few loans over the…
Defaults after completed IVA
Hi - just looking for a bit of advice, it's probably a long shot but if you don't ask you don't get... My partner and I completed an IVA from 2008 - 2013 and received our Notice of Full Implementation in Aug 2014. My partners record is fine but mine is still showing defaults. I understand that an IVA is a default and can…
Phone Contracts and Payment Dates
OH got a text saying contract payment had failed. He rang up and paid it (was due to be taken on the Thurs he got the message on the following Tues). With the company I have a contract with, I pay on the 15th of the month but the bill isn't due til the end of the month, so I don't imagine it would matter as long as I paid…
Signing up to a betting site: will it affect my mortgage application?
Hi there. Being a longtime boxing fan I'd like to put a bet on Manny Pacquiao to win against Floyd Mayweather. Rather than go into a betting shop I'd prefer to do it online using Betfair. To do this I'll have to set up a Betfair account using my debit card. Question: as I have a mortgage application in progress will this…
Impact of using overdraft on Credit File?
I have a small arranged overdraft (£250) with my bank and am just wondering about the impact of using it and what that means for my Credit File? Is it ok to go into my overdraft for a small amount for a little period of time, to have a positive impact? Or should it ideally not be touched at all?
Idea: Avoiding bad credit file by transferring wages to husband?
Hi, I am desperately looking for help... The situation: I am French and I have a bad credit report/score (defaults several years back, no current account [use cashplus], no credit card, patchy address record as I can't say I lived abroad for my PhD etc). My husband is British and his profile is stellar. I feel terrible to…
Mobile phone contract dispute
Hello, I'm hoping for some knowledgeable people out there to be kind enough to offer advice. I went overseas due to a career opportunity that arose in the middle of a mobile phone contract. The phone company were unwilling to put the contract on hold for the time I was away, and I ended up going without paying off the…
I could cry.
Experian removed two defaults from my account in the past 4 years. I've just looked on Equifax and they are still there. I am applying for a mortgage next week for my new home. What can I do? I thought they'd just not be on Equifax if they had been removed from Experian. Will Equifax do anything, or am I going to have to…
Payday loans defaults but no notice received
Hi, I'm hoping someone can help... Last year I got into financial difficulty and took out payday loans... I have since paid these in full. However upon checking my credit file I hve been issued with defaults, I did not receive any notice of these and was under the impression a 21 day notice had to be issued before a…
DFS Applied for credit without my permission?
Hi There, On Sunday I decided to purchase a new Suite at DFS, and to take advantage of their Interest Free credit arrangement. At the store I signed a credit agreement with Creation Finance. This was the only paperwork I signed. This morning I got a call to "Confirm my details" I had them quote the Order reference, and I…

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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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