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Credit file & ratings

Archives for January 2016

"Active" CCJ
Hello folks. I have a quick couple of questions I was wondering if someone could help shed some light onto them for me. I have a single CCJ on my credit file. It was issued on 15/07/2011, as of the last couple of months it has been showing as "active", I have paid off the outstanding amount to the company that issued the…
Experian, Arrow Global & Egg
In October 2015 I reviewed my credit file with Experian for the first time in since 2007. I had been on a DMP for many years since 2007, but I found to my surprise a default from Arrow Global dated 27/05/2011. I asked Experian to confirm who this was and it turned out that an old Egg loan had been passed to them sometime…
Electorol
Hi, Been out the country working for a number of years (I'm from the UK) but I always stayed on the electoral at my parents address. I did this was because 3 months of the year my job brought me back to the UK (I do live abroad though and my base and salary is not in the UK. Is this okay?
Gym membership
I've been paying for a gym membership for 5-6 years now but used it, dont ask why :o Can I cancel my direct debit without notifying them, since it was an initial contract of 12 months. Also is there any chance of getting that money back, for the time beyond the contract at least?
Improve My Rating
I have an account with Check My File, who seem to be a great provider of credit score and report. My score at present is terrible at 280 for Callcredit and 391 for Equifax. I havea prepaid master card to try and improve my rating I have a lot of default accounts. Some people have said I should just wait until these fall of…
Credit report, to have a real or zero balance?
Hi all Very long time watcher, this is my first post. I have had a Barclaycard for around 12 years. Each month I receive my balance which I always pay off on time. Some months I clear my Balance before my bill so my balance Bill balance is zero and other times I let my balance go over the statement date as a balance and…
Change of current account and credit rating
Hi Guys, Hope everyone is ok. Just a quick question please, I have had my Barclays Current Account since 1998, however it does not offer me anything. I wanted to switch to Halifax current account which would give me £100 for switching and £5 each month. I wanted to know if this will have any effect on my credit rating…
Hoping to start postgraduate study in September, want to be able to apply for a CDL
I've been sitting on a bit of debt for a few years now, but am going to be in a position to clear it in full within three months. As part of this I've had a CCJ, and been dragging out the whole repayment process for ages because of low income. If I clear this debt by mid April, will I be able to build up my credit rating…
Strange score decrease for applying for credit
Is my 20 point decrease, according to Experience CreditExpert, for making a credit application meaningless? That would mean people aren't supposed to apply for credit!
what do i do if i find something wrong on my credit file?
I just looked on my noodle credit file, and i notice an account opened with jaca mo in 2013 from my previous address. The account is in my name. I moved from my previous address in 2006, any suggestions as to what to do, as i think this could have a baring on my credit file?
Poor Credit Score (another one..)
Hey All, I keep meaning to join this site, so I've finally done it. My credit history is colourful, but all paid off as of Oct 2014. I have a mortgage and £10k loan, which has £9k left to pay on. I have three credit cards, Vanquis, Capital One and a Barclays. All upto date and nowhere near the limits, I use one for…
How to remove a bad file from your report
I received a claim from Capquest in 2011 regarding an Orange mobile phone account. After over a year of telling them I didn't owe the money I managed to get evidence from Orange to prove this. I requested a letter from Capquest which stated this was their error and it has been closed. I have just ran a credit score and it…
Abuse of Data creating a two tier society
Lorem ipsum dolor sit amet, porro legendos dissentiet sed ne, pri id postea theophrastus. Altera consequat ne duo, est ei vivendo scaevola. Aeque oblique interesset no !!!. Eu sumo theophrastus sit, augue solet no vel, pro in adipisci pertinacia. Pri probatus principes posidonium et, id tation nostrud dissentiet quo. Vix…
not recognised the entry on my credit file
There is a credit agreement entry on my equifax credit file which I don't know where it comes from. Here is the detail... Credit Agreement New/Deleted New Credit Agreement Summary Company name: 47220660 Account type: Communications Supplier Account number: XXXXXxxxx Does anyone know which company is that? Could that be…
Poor credit score and how to improve
Hi, I have recently been checking my credit score and its in a dire Position. I've had a few defaults on there and one has dropped off ,supposedly in Nov 2015, and a 2 more are due to drop off in March. My score hasn't gone up or been affected at all? How can I improve this?? So I haven't missed a payment in 65 months, I…
link financial
I had an outstanding debt via them , this disappeared from my credit file several mths ago (think it was july/aug last yr) letter in the post from them today statement of account clearly showing date assigned as 10/03/2009 as this has clearly gone over the 6 yr stage , and has disappeared from my credit file , I know that…
Capquest changed dates on a closed debit bank account now killing credit record
Hi, I've never done this before and have mild brain damage from progressive MS, so please be nice! Basically I've been checking my noddle credit record and this month, Capquest Investments have put something on it and it's caused my credit to drop from 3 to 1. They have logged whatever it is as a bank account that…
Why has my new Utility supplier done a credit search?
Hi, I'm in the process of changing my utility supplier having found a much better deal via U-Switch but according my credit file my new supplier has done a credit search and apparently this has a negative impact on my credit score. That doesn't seem right. Are they allowed to do that?
Do Small Claims Affect Plaintiff's Credit Score?
Hi, I know the court's judgement against the defendant will be recorded in the defendant's credit report for six years (in case the defendant doesn't pay within a month), which will obviously affect the defendant's credit score negatively. My question is What about the Plaintiff. Say if I make a small claim to someone,…
debt company just not removing default even though paid 18 months ago
Hi All, I'm at my wits end. I had a credit card debt sold to PRA group, who then contracted IND group to collect it. I made a full and final settlement. paid them in a single payment in September 2014 and hoped that would be the end of it. I have a full and final settlement PAID letter from IND group back in September…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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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