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Credit file & ratings

Archives for October 2015

Offers to debtors - credit rating affected further?
I am currently paying off my debts using Payplan. I have approx 2 years to go on my plan and approx £4.5k to pay off. a couple of my creditors have written to me indicating they will discuss an offer for repayment with me. I have £2k that I can use. Should my creditors accept a reduced payment total as final payment on the…
Credit check...!
Hi all, I had a few questions on this Credit File etc., I intend to move my Current account to another provider. Now, what's the whole story about moving bank accounts could impact your credit file? (I've been with my current bank for 5 years!) Also, I intend to take a mortgage in the next 3-4 months? Just need some advice…
Reporting of a SETTLED mortgage account .
I was hoping if anyone can confirm a query I have been having with Equifax and a Settled mortgage account on a previous address. I have a settled mortgage account from a previous property I owned and now on my CRF with Equifax it is reported on my current address (partners home) I have raised concerns with Equifax and…
Closing Credit card accounts
I have been cleaning up my credit file with a view to buy a new house next year. 6 months ago I had a balance in each of my 2 credit cards of 6k and have paid one off in full and there is only just under 1k left on the other one. I'm wondering what to do with the 2 cards? They both have limits of 7k so should I cancel one…
money paid in error
Hi everyone and thanks for reading, my daughter is 18 years old in mid September she returned from a collage course related work placement at eurocamp in France, she was working there throughout the summer season, upon her return she received threatening texts from her former employer a Michelin one star chef, his threats…
Help - Lloyds Bank is chasing me for somebody else's debt
I'm actually posting on behalf of a work colleague. He is being chased by a collection agency for a debt owed to Lloyds Bank by somebody else who happens to have the same name. What should be his first course of action? Is his credit ref affected? Would be grateful for suggestions, thanks in advance.
Removing Default - Urgent Advise Needed!
Hi there! Im hoping someone can help me. I need to get a Credit Card to build up my credit rating for hopefully applying for a mortgage in the future. My application has been rejected twice now. I have received a credit report from Experian and it turns out I have a default on there from Vodafone for £236 which I knew…
MODA - NEW database shares customers finances in real time
Anyone heard of MODA? Call Credits new database that shares customer's credit / financial information in real time. I wonder how quickly financial information is shared? Currently, many lenders reports several weeks [or even up to a couple of months, sometimes] to show on some CRA's such as Experien. MODA appears to want…
Should I stop paying my credit card off in full?
I avoided getting a credit card for many years, but the need to build up a credit history (for a mortgage etc in future) lead me to open one early last year. In the first month I paid a few online bookies using it, incurring £30 of charges before I noticed (rookie mistake) but have paid the balance in full every month and…
My debts don't appear on my Experian credit file
Hi all, I have a number of unsecured debts and phone contracts that resulted from me giving up my business at the start of 2009 to take care of my parents who both have dementia. The debts were personal and not in the business name, although almost all of them were used to set up my business. I always intended to go…
Poor credit score, please help improve it (paid off all depts)
Hi guys, im just after some advice please as im really trying to improve my credit score. My score is currently poor despite selling my house and paying off nearly 13k in depts with another £2k shortly. I have joined experium and it was poor as I was selling my house, it moved up to fair once I started paying things off…
Insurance searches and effect on mortgage
My wife and I are currently in the process of buying our first house. We already have a mortgage offer through from Halifax, and are in the process of negotiating the finer details with the seller. My mortgage broker has been working very closely with my solicitor, which has been great, and he is suggesting that he sorts…
barclaycard missing from credit file
Just been mooching about through our credit files, as we are about to apply for a favourable commercial loan, which our broker says we will only get with a tip top credit rating, and noticed that a Barclaycard that we have held for about 15 years doesn't appear on all three of our credit files. I'm sure it was there when I…
Hire Purchase Agreement
Hi All, I would like a little bit of advice of people that have probably had the same experience. I have been rejected for car finance, I've not got a perfect credit rating. Since I've had my credit cards all cards have been paid on time, with the exception of 3 payments across 3 cards. So, I've looked elsewhere online for…
Financially dissociation
Hi all Are you able to financially dissociate yourself from someone you still live with and are still in a relationship with? We no longer have any joint accounts or joint credit of any kind however we are both named on the tenancy agreement, the council tax and the water rates. The information I have found suggests in one…
Barclay Card and Call Credit / Equifax
Hi, I've noticed that my balance information for my Credit Card hasn't been updated since 28 August. Which is I assume because Barclay's hasn't supplied the information? I noticed when I logged into to Barclay Card "Coming Soon, Experian Credit Score This service is in the final stages of being prepared. Log back in soon…
Defaults and mortgages
Hi I am after some advice and hopefully this is the best section to post in I’ll try and keep this as concise as possible. Basically my girlfriends ex partner ran up debts in her name when they moved abroad in 2013 (using her credit card and not paying off a store card agreement that he had said he would as well as various…
When applying to get a CCJ set aside how long does the procedure take?
So from first requesting to get a CCJ set aside until you get a verdict, how long does it take? Also what does this mean; I have filed my defense for a setting a side of ccj from a dodgy now dissolved parking enforcement company. I have just received a letter stating, The court has sent the letter by post and the envelope…
Default due to complicated situation
I need some help if possible please about a slightly complicated default on my account. The account in question is a Halifax student current account. I had a student account opened in 2008 i had 2 medical issues which meant my graduation was delayed until 2013. The account was in June 2012 marked as 'Defaulted'. I have…
Late payment on credit file
I recently changed the repayment date on my loan, whilst asking for this change i specifically asked if doing this will impact on my credit report in any negative way. I was told very clear that the payment will be like any other and reported as being on time as i am just adjusting the date. However since making the change…

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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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