We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit file & ratings

Archives for May 2015

CCJ issued without knowledge
I have recently tried to remortgage and found that I have a CCJ issued against me last year due to a disputed mobile bill almost six years ago. I had moved address two years ago and thought this resolved and hadn't heard from the debt collectors in over a year. They have issued this at my old address so I never received…
How does becoming debt free actually work?
Hi guys, I currently have around £10,000 debt which I managed to rake up when I was 18. Currently I have a few catalogues which are all up to date but I still have a poor credit score due to having the debts from years ago. In around 16 weeks as I have been saving money I will be able to clear my debt fully. What will my…
Provident loan not showing on equifax
A few years I ago I got into a bit of financial difficulty and defaulted on a few things with one of them being a provident loan. This used to show on my equifax file but it has now strangely disappeared and now I am receiving letters from Vanquis telling me they have bought the debt. My last payment to this loan was back…
Help with entry on Credit File
I have been looking at my credit file on Equifax. I'm a bit confused about an entry made by Eon. I have paid this off but its still showing as me owing £1637. Its saying I didn't make a payment this month... even though I don't actually owe them anything. It even says the terms are 0@ £0 monthly.... Am I able to get Eon to…
Credit Reports a joke
I just had a look at my credit report, I do so every so often to check against fraud. I noticed my score had gone down. The reason- opened new bank account (without OD as don't need it) and changed mobile phone providers. No extra credit made available to me, no extra spending but it has gone down by quite a lot. Makes you…
PayPal Access Card?
Hello, Ive been invited by Paypal to apply for a PayPal Access Card. Would having one improve my credit rating? Thanks,
Help for dad who lives in France
Please do not judge my dad. Basically my mum had bipolar disorder and racked up tens of thousands of debt in joint names. My dad was unaware of much of this as was working very long hours. Anyhow they moved to France in 2008 and despite me telling them not to, they stayed in touch with creditors offering to pay £5 off a…
What info does the statutory £2 experian report give you ?
Hi , as above I recently applied for mine , and reading through all the info everything seems correct and present. However there is only information on my current credit accounts and payments to different companies etc. There seem to be alot of insurance quotation searches ( I understand these are soft searches) And there…
Letter addressed to sister
Apologies if this is in the wrong part of the forum. Hi, total noob here. I have received a letter with the address PO Box 300 Northampton NN1 2TX with the word defendant clearly visible inside the window. It is addressed to my sister who lives in Australia and has done for 15 years. She has a property in the UK which…
HELP! ISME has trashed my credit report!
I logged into my Equifax and Experian accounts today because I got alerts that they had changed. For some reason ISME has put me down for the last month's record as a "red mark" and when I hover over it it says I have missed 6 payments! :-/ I've checked my bank account - and my direct debit for the minimum payment has been…
Help with CCJ
Hi I'm a newbie to MSE - we have nearly finished a 2 year self build. It was fraught with problems on the financial front, mainly due to cash flow. We took out a number of credit cards during the process as often the stage release mortgage money didn't come quick enough! We always planned at the end of the build to…
Credit Expert is a terrible website
I am trying to use the website https://www.creditexpert.co.uk. This is the right URL, isn't it? I don't really understand why it needs to know mother's maiden name, but it seems like the real site. The restrictions on the memorable word were ridiculous, it wouldn't accept anything I put so I had to basically make up a…
What are my options for a mortgage?
Myself and my partner have just been turned down for a mortgage with a high street bank. Her credit record is spotless and mine has been clean for the past four years with no defaults. The problem appears to be mortgage arrears on my own property I had between 4-6 years ago during difficult times. I'd rather not have to…
Credit File - totally incorrect or I'm just confused??
Hi there I'm sorry if this has already been discussed lots of times - hubby and I still don't understand what we are looking at on his credit file. he went bankrupt Oct 2010, so discharged Oct 2011. Credit file shows zero credit which I though was great. "Active accounts balance Accounts Total Balance Non-revolving…
insurance quote searches impacting on credit file?
Im sure I remember reading somewhere that the more you search, the more likely premiums will increase? is this a myth? also, I understand browsing habits can increase results? so I use incognito browsing to check for quotes. (did post in motoring but don't know if right section)
Barclaycard reporting incorrect information - refund win!
I recently signed up to Experian online to check my credit file (about to finish my DMP so wanted to make sure everything was tickety-boo) Spotted my Barclaycard showed a £100 balance and that I had a £1000 credit limit which I knew was incorrect but it was showing as available credit to me in lender's eyes. Barclays made…
Debt Collection Demands sent to wrong address - where do I stand?
Hello everyone, This is a long one but would really appreciate the help!!! A friend of mine bought a brand new car from a Vauxhall dealership around a year ago now. A few months ago, by chance, her landlord gave her some post that had wrongly been sent to another flat in the building. These items were the V5 Document for…
Credit Report + Question
Hi, I've a couple of questions that i'm after a bit of help. I've been signing up to all sorts of credit reports and i'm looking for a cheapish report that can keep me updated and also send alerts if something has changed. Do you suggest any ? Also, can credit card company's see what other credit card company's you with?…
Trying to change default date
In January 2010 i entered into a DMP with PayPlan and one of my creditors at the time was Santander (loan). The DMP was finished in March 2015 and i am now trying to tidy up my credit file and i'm aware that defaults show on a credit file for 6 years from the date of the default. Santander have recorded that i defaulted on…
Experian Help please!
Ok so when I was young and stupid and they were throwing credit cards at me I got myself in a load of debt (£6k). This was around 2006-2007 and my last payments made on the accounts were in 2010. So after years of not being able to get credit for ANYTHING I thought, well, since my debts are probably due to drop off my…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Credit file & ratings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Credit file & ratings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free