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Credit file & ratings

Archives for September 2016

Credit searches by Next
Next have apparently performed two searches on my credit history this year. I've never applied for a store card and can't remember the last time I bought anything from them online - certainly not this year. Any ideas why they would have performed these searches? Is it legal for them to do so?
Getting a mortgage after credit trouble
Hi will I ever be able to get a mortgage again? Had a very bad time about ten years ago, including a house re possession among other issues. That must be ten years ago, nothing of it shows on my credit file, from clear score. I have recently got a credit card, my own bank did decline my credit card application Thanks
Tesco Direct Debits
Have set up four direct debits for my NatWest current account with four seperate Tesco accounts, but for some reason the mandates aren't showing up yet, even though I set them up last Friday! In previous experience, the mandates usually show up on online banking within 2-3 working days. Any ideas why this may not have…
Noddle - Financial Association
I've just signed up to Noddle and Lloyds Bank still has me financially linked to an ex. This was last reported back in 2007. The joint account was closed down when we split up around 2008 and my single Lloyds account was closed this year. When I click on the dispute link on Noddle it asks for details of the current address…
what is better for my credit file?
Hi guys, I'm in the process of clawing back my credit rating after a default (that I have been challenging for over a year.. but that's another story) I have a credit card (unrelated to the default) that I don't really use, it has a £3k limit and it has had a £0 balance for a good few months now. Would it be better for my…
Overdraft proffered affect can cause an issue
Hi, Barlays had offered me a overdraft of 1500,the thing is I don't need it, but I am thinking will that be a good sign for any lender in the future? I guess shows that my bank tryst me, but my concern is will affect my credit rating in the short term? Thanks,
Experian Credit score & Equifax Credit report
Hi all I have just used Experian Credit Matcher, and have a score of 963 out of 999. Next update is available in 29 days. Is this good if I wish to re-mortgage? I have also checked my Equifax Credit report (30 day free trial) and it shows electoral Roll in red, everything else is green. It shows my current address as my…
Old Overdraft
Hi all, Just wanting to get a confirmation on something: Whilst tidying the OH's finances, its come to light she still has an old defaulted overdraft from Natwest that has been bought by Capquest that she forgot she was paying. The details on the most recent statement we've found suggests that the original account had…
Equifax credit report showing unknow account?
Hi All, Anyone know the best way to deal with this? It's a Nothern rock account that has not been updated in over 9 years but is sat on my credit file. Never use Equifax so didnt see it until now. Equifax couldnt give me a linked address for the credit agreement and it was opened by someone that matches my maiden name. I…
Very Catalogue account
I have recently paid up a Very catalogue account and requested that the account be closed. The admin team at Very have advised that the account is now closed but the credit limit (£2100) remains although they also add that i will no longer be able to order anything, which is fine in my opinion (although it is a little…
Partial Payment of a Default affect credit score?!
Evening all, I'm looking into paying a default I have had on my credit file, The debt has been bought by a debt buying agency called Kapama/Opus.. Someone advised me to offer them 50% of the £1435 total as a one lump sum settlement, But I have asked this question to a debt chairty and they said whilst it is a valid idea…
Small Claims, how long do they take.
Long story, short. I fell out with my parents, and moved away from the area. 12 months went by and then on December 23rd last year I was issued with Small Claims Court claim from my mother (right before Christmas, nice huh). It was for 2.5k (with interest) for various things, that I considered at the time help from my…
My Very account has disappeared!
Hi, Apologies if this is the wrong location for this thread. I just wondered if anyone else has experienced this... I have had an online credit account with Very for several years, I currently owe approximately £200 on the account; which I pay monthly. I went to check my account last week to make my monthly payment and…
Have I got grounds for complaint?
Apologies if this is in the wrong section I have been checking my credit file and discovered an old debt with wonga from nearly 2 years ago. I was caught up in the cycle of payday loans which I am now free from (yes, I realise this was stupid and shouldn't have happened but I've clawed myself out of it now, what's done is…
Defaults and CCJ 4 years old. Mortgage help.
Hi, I have been trawling the internet but can't seem to find any answers, maybe you guys can help? I have 2 defaults (low amounts) on my credit file which are 4 years and 4.5 years old. One CCJ also low amount, 4 years old. I have had no adverse credit since then, but barely any good credit either as just haven't had…
Noddle - Where's the Catch?
Free credit reports for life? So where is the catch?
New House, New Car
I have recently bought a new house, mortgage was accepted and i've paid the deposit. I am now just waiting for the house to be built. I have also just applied to lease a car. Which got accepted. Should i cancel the car until i actually move in to the house? Will this affect the mortgage? Can they do a final check and say…
Overdrafts, Limits & Credit Rating
Does closing an overdraft facility have a negative impact on your credit rating? I am looking to close 1 of my 2 overdrafts but wanted to know if this has any impact to my short term credit rating (applying for remortgage soon) My primary bank HSBC (where I'm paid) has no overdraft. I then have two other bank accounts…
Lloyds Bank current a/c and overdraft not showing on credit report
I've recently looked at my credit file when turned down for a credit card. I didn't expect my credit to be GREAT, but thought it would be better than it was. Turns out the main reason my credit isn't good is because I've not got any 'active credit' or any current account listed. I have actually got a Lloyds Bank current…
Duplicate entry or a debt on my credit file
Hi all, hopefully a quick one for you! I've got a defaulted HSBC credit card account present on my credit file on all services I've checked. It is showing a consistent default figure, with no reduction in the remaining balance. However, this debt has been with a debt collection company for over three years and is being…

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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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