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Credit file & ratings

Archives for August 2015

Advice please - credit file
https://forums.moneysavingexpert.com/discussion/5312447 Dear MSE, I created the above post in the credit card section however I have just realised there is a credit file section which seems more appropriate for the situation. Would you have any advice or perhaps a letter template I could use. I am drafting a letter to send…
CC limit increase=CR increase?
Very simple question. Does my recent cap1 increase 200-450 mean my credit score and or rating increase I'm asking as this is my 1st increase since beginning a slow journey to re building my credit rating since being unemployed 2011
CC Default Advice requested
Hi, I'm posting here in case anyone can please assist me. I have two credit cards that I have defaulted on back in early 2012, as a result of major changes in my financial circumstances at the time. These accounts show on my credit report as being in default from Jan 2012 onwards, including showing as being in default up…
CCJ repayment - advice please
Hello MSE, Last week a Judge told me to repay an amount of money that I did not believe I owed. (I believed the money was a gift -the details are complicated). The only way I can pay back the order is to take out a loan. Clearly I would like to do this before the 28 day period expires, such that the CCJ can be cancelled. I…
Old CCJ
My granddaughter & her partner are in the throes of renting a flat but need a guarantor as she isn't 21 until January, & my hubby has said he would do this for her, but on the forms it asks if there have been any CCJ's, we had one over 20years ago, will this still show up on credit checks ? & do we need to declare it after…
Searching my credit file without making an application, please help!
Hello, I need some advice please... I thought I would check my credit file and noticed that 2 days ago Vanquis searched my credit file (which put my rating even lower than it already it). However I didn't make an application to them. I have in the past, but it was about a year ago. Are they allowed to do this? And if so…
advice on post bankruptcy credit building
Hi Please can anyone offer me advice on post bankruptcy credit building : I was declared b'pt in 09/2008 and discharged in 02/09 and am now almost 7 years clear of this episode in my life, during which I was fortunate not to lose my home and continued to pay full mortgage payments until 02/2014 when the property was sold (…
Legality of a Default
Hi All After a little bit of advice 5 Years ago I was made redundant and paid a £7,800 check into RBS, However right after this the cashier paid the next person in the queues £1,000 into my account. I didn't not notice this as I paid my mortgage and a few other bills up front while I had the money so I didn't default on…
Help! Can I get this default from Lowell Portfolio removed?
Hi everyone, I'll try to keep this short and sweet! A few months ago, around March, a company called Lowell Portfoilo sent a letter to my parents' address to inform me that they had bought out a debt of £220 I apparently owe Orange from back in 2011. I believed I paid the settlement fee on this account when I closed it as…
Why did my credit rating drop?
Hello, Please can someone fill me in on this? After climbing out of my financial black hole of several years standing,- and now just with 2 small amounts on credit cards and a manageable loan- my noddle credit report is lower than it was months ago. This was before I paid the rest of the debt off! I know credit reports are…
On Electoral Role but not on.
According to an online check I am on the Electoral Roll (publicly) and have been since 2002. However according to Noddle (who are a bit like Experian and Equifax) I come up on a credit score check as NOT being on the Electoral Roll and and this is lowering my "score". Baffling! MSE say that if you're not on the electoral…
Not enough trace on address !?!
Hi there fellow money savers, Ive had a strange thing happen today when trying to get credit for a new car. The dealership tried two different credit lenders and both were declined for having not enough trace at my current address. I have lived at my current address for just over 2 years, all my financial accounts are at…
What can lenders see on credit files?
When applying for a credit application, I'm interested to know exactly what a lender can see/can't see when searching your credit files. From the basics I know they will see your name, address, electoral role info etc. But for example can they see lenders names etc if you have existing credit cards/loans etc. Can they see…
provident suddenly reporting on my credit file
hi guys, so got declined today for an ipad on my existing contract with 3, i have only 1 default from years ago, which thety already knew about... anywho went for the appeal and they tell me what i provided didn't match what they saw, so they declined me. So i restart my experien... cancelled it 4 months ago. and to my…
Multiple accounts with overdrafts?
I have three current accounts with different banks and they all have overdrafts in excess of £1000, one up to £3000. a) does this negatively affect my credit rating? b) would my credit rating improve if i was to remove the overdrafts?
6 year history
Hi all This is probably a stupid question but I need to ask! The 6 years of reports that I keep seeing quoted, how is this shown on your file. The reason I ask is that I have an old Lloyds credit card that was closed in November 2010. When I checked my credit file it shows all of the payments back to 2006, do lenders see…
Help - Mortgage application declined due to unknown CCJ judgement in 2012
Dear MSE experts, I really need your help with something, I have applied for a mortgage with my wife for our first home together, and the bank has contacted us to say they can't process the application until they can see that a Crown Court Judgement they found on my experien credit check is resolved. I've made my own…
Can a debt collection agency report your account on a credit file.....
If they have brought the debt from a Utility Company? A few years ago I was with Utility Warehouse (I think) and paid via direct debit. I moved house, canceled direct debit and changed supplier. Today I recived a call from Fredrickson debt collectors saying they were chasing me for a debt of around £200 from Utility…
Credit File Confusion
Hope someone can help. I started a DMP with StepChange in 2005 and spent until 2013 paying off a significant amount of debt. It is all cleared now but I'm confused by some of the info on my credit file. One of the credit cards (Marbles) which was paid via StepChange shows several late payment markers from Aug 2011 to Dec…
When will this come off?
My credit report is regarded as "good" and I have a score of over 500 on Equifax which I know is pretty irrelevant . I have 1 default on my credit report from a joint account with my ex back in 2009. It was only like £10 overdrawn but I guess a default is a default if your 10 or 10000 in debt! I was under the impression…

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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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