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Credit file & ratings

Archives for July 2016

Fraudulent default notice
My online banking was compromised in December last year and as a result applications were made to three payday loan companies (luckily they weren't approved). I spoke to the three companies and experian who agreed the activity was fraudulent and removed the searches from my credit file. The matter was reported to the bank…
Credit utilisation ratio
Hi. Just quick two questions. Yes I know credit score is meaningless. 1. If i apply for credit cards and get rejected it is important only for 6 months or it can cause some problems for future mortgage application? For example after 2 years. 2. Credit card utilisation ratio is important only for short time or long time?…
CIFAS on credit file
Hope someone can help me with this issue..... I have tried to open a basic bank account with Natwest and was turned down as didn't meet their criteria and this was strange as I was a home owner worked full time and a credit rating of 677 and while I had a CCJ from 5 years ago this was what the account was for, those with…
Credit card balance on credit reports
My barclaycard 'balance' on my credit report appears to simply be the monthly statement amount, rather than the actual balance (i.e. actual balance could be last months statement of £1,000, plus £500 accrued spending in one week since that time). I always pay my bill in full by direct debit monthly. Ideally I want to avoid…
Clearing credit cards
Can I ask a quick question, please? I've seen a lot of advice saying 'in order to build your credit, use your credit cards and clear the balance each month'. Is this in order to avoid paying interest, or is the act of clearing them completely each month the reason that your credit score goes up? Thanks :)
Will Brother's Financial History Prevent Him Renting?
My brother has a lifelong history of financial problems which culminated in a crisis when he divorced a few years ago. At that time he had debts, no assets, commitments to child support and (I'm sure) a very poor credit score. He was (and is) employed but his income has been insufficient to house himself in addition to…
Struggling to build good credit
Hello everyone, I'm a newbie to this forum. A bit about my situation; I'm 26 and up until 2 years ago I'd never used credit at all. I had a current account and paid for everything on my debit card. I'm at the point now where I'm starting to think about my future. My goal is to be able to get a decent car on finance and…
Poor credit score
I've got a poor credit score but the only obvious issue is a default on a mobile phone account in Nov 2011. The default was £137 but the current balance is £57. This is obviously on my file until Nov 2017, is it worth just settling the account now? I've had no contact from the company so assume it is written off but just…
Removing linked connections
I couldn't find if this has been already answered but how do you remove someone that you had a shared financial connection with off your credit file? Recently signed DH & I up to noodle, there is an anomaly with a previous address of DH that shows him living in 2006 in two places. DH was very briefly married and divorced…
Clearscore score not moving
Hi, I joined Clearscore 3 months ago and have a pretty rubbish score. OH and I had a lot of financial difficulties 7/8 years ago but have battled our way back over the last 6 years. Last month our last default fell off but my score didn't shift, although it jumped up a fair amount on noddle, so I kind of expected to see…
Linked Addresses
How long do/should linked addresses remain on your credit file? I have lived in my present address for 9 years and been on the electoral role the whole time, however I have just checked my credit file with Noddle and they have my old addresses going back almost 18 years. The information is correct and is not really…
Poor credit score
Please can anyone offer any help, We want to improve our credit file score, one is fair the other experian has now changed to poor! 5 yrs ago our we closed our business and were left with a rather large tax bill which has now been repaid, however we wrote to our debtors asking they accept reduced payments which they did .…
Credit score of 0: how bad is that?
I recently found out that my Experian credit score is a big fat zero! The reason why: a mobile phone company issued a default notice against me for the sum of twenty-five pounds. In the short term I presume that means I can forget about stoozing or anything else that involves making new applications for credit. In the…
Barclays Account - 'Gone Away'
Hi All, New here and was hoping for some advice. Some time ago I had a Barclays current account and made a number of debit card transactions in the region of £2,600. These funds were in the account as I had no authorised overdraft. A few weeks later I had realised that these transactions had not been debited off the…
CALLCREDIT reporting false defaults
Has anyone else experienced defaults reported by Callcredit that are inaccurate and not reported by Experian?
Credit File Updates SLA
Hi, I've been reviewing my credit file as planning to apply for a mortgage so wanted to get it in the best possible shape beforehand. I noticed a few accounts on there for old accounts I no longer had open. For most of them I contacted the company and asked them to update my credit file to show they were closed, which they…
Old Current Account not Recorded
Hi, Having recently checked my credit records using Clearscore and Noddle, I've found out that my rating is relatively poor, apparently due to the fact that there is very little data recorded on me. Specifically, the only account showing is a TSB current account that I just opened in the last month or so. There is no…
Satisfied CCJ
Probably a daft question. Do satisfied CCJs still showing on credit files reflect 'that' badly on you?
Aqua Default - £0.02p!!!
Hi all, first time user looking for some advice. I paid off my balance on my Aqua card in 2013/2014 and never heard another peep about it until very recently. I then got a letter dated 30th May (only got this a few weeks later as was on honeymoon) advising that a default was to be placed on my file for the sum of £0.02p.…
Defaulted by Three mobile, can i get this removed?
Hello, i need some advice regarding a default received from Three (Hutchison 3G LTD) and if i have any chance of having it removed. I've held an account with Three for 3 years and last year decided to get a sim only contract for a 2nd phone for work to keep my personal and work phone calls separate. I never did this, never…

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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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