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Credit file & ratings

Archives for October 2016

£1.49 debt becomes £400
Hello So I'm after some advice as this is going to the Ombudsmen, and I'm not sure if I have a chance in hell. So basically, I was moved to Germany for 18 months with work, and I decided to rent our flat out whilst I was away. The first tenant moved out after 3 months as he got a new job, and there was a 1 week gap before…
Adverts all over saving Experian is free.
Am I wasting £14.99 a month please....not mean....just interested??:beer:
Experian
Hi, I hope this is in the right section? My partner decided to check her credit rating using Experian. However instead of sending her the information, it was all sent to her daughter. Different person, different email. Her daughter received all my partners financial details, bank details, mortgage etc. When my partner…
Satisfied CCJ "dissapears" in 12 months. Will it make that much difference?
Hi all, I'm a new poster, so please be gentle :D 6 years ago, I had a CCJ added to my score. I earned it fair and square and have since settled the amount. :T The judgement is now sat on my file with "satisfied" against it, and will expire Nov 17. Its the only negative thing on my credit score. My credit card balances…
Default date misreported
Hello I have an old debt on my credit report I have been trying to get cleared up once and for all. Currently equifax are showing that APEX are reporting that the account was closed in 2013 and will remain on my credit report until 2019. In reality, there were not updates (payments, etc) on this account since 2008 or 2009.…
Unsuccessful loan application - impact, should i challenge?
I applied for a Santander loan of £15000 and was unsuccessful. I subsequently was approved by zopa @ 3.3% APR (their lowest rate) I now don't need the Santander loan, but should I challenge the decision? I should add, I previously had a Santander balance transfer credit card which I was refused online for but was approved…
Debt settled but only cleared year and half later
Hello! Im hoping someone here would be able to help me as I seem to have been going round in circles for years. I have searched the board for a while and i'm unable to find something similar. I took out a contract with Orange a few years ago (unaware of the dates) before the contracted ended I joined a deal with Phones 4…
How to negotiate £45,000 debt with bank
Hi, I have a £45,000 debt with RBS (Royal Bank of Scotland), and a charge on my property and CCJ to go with it that reaches 6 yr term shortly. Does anyone have experience negotiating with RBS? Can anyone please recommend how to negotiate with RBS to settle the debt? Do RBS even negotiate debts? Thanks in advance.
What happens to CCJ after 6 yrs with debt still outstanding?
Hi, - would be very grateful if anyone can help with my stressful situation (apologies if similar to other threads). I currently have a CCJ that reaches its 6 yr anniversary in January. The debt of £40,000 from an old bank overdraft is still outstanding. (I've been paying a small monthly amount each month). I hope to…
Unknown linked accounts on credit file
Have just been declined credit so registered with Noddle to check my score. Having read a few posts on the forum, it sounds like Noddle arent the most accurate credit score site, but on my report there were several accounts linked to me for a person I dont know, and they had several missed payments, and also several…
British Gas playing with my credit file
Apologies for the lengthy story, I'll try to condense as much as possible, but any help here would be massively appreciated. Back in Feb this year I left british gas and was given a final bill that I disputed. BG told me to check my meter reads with my other supplier and that my account would be on hold while it was looked…
Credit Score Advice
Hi, Long story short i have been working to improve my credit score for a good while now. I get a free score with my bank (barclaycard). They use experian. I also registered for checkmyfile. Just on the off chance i just wanted to sign up for one of those free services. Noddle the free credit score people. the score they…
Credit Rating And CCJ
Hi, i recently discovered i had 3x CCJ on my credit file, i was unaware they where there. i contacted the court who said i had to pay them t set up a payment plan, i declined and asked for the companies direct information, i contacted all companies involved and have been making monthly payments to all of them. i plan to…
Letter regarding old debt from out of the blue.
Morning all, Im looking for some advice please. I have just received a letter from Next stating that they are preparing to sell my debt to a debt collection agency who will own the debt and i have 7 days to respond. This was sent to my old address and we have redirected mail. The debt is for £262. I had completely…
Paid off a chunk of credit yet score went down?
Hi Guys, I'm a little confused. I've been steadily paying off my credit card debt and for the last few months have paid in some bigger amounts. 2 months ago I paid in £1000 which has just reflected on my new credit report today. However, from a steadily rising credit score I see today it has suddenly DROPPED by 62 points!…
Experian credit Report Questions
Hi there, So I consolidated a loan and got a terrible rate (16.9% though have recently improved this) and have also had issues with some banks with overdrafts in the past and present. I have just opened a 123lite account to take advantage of the cash back for example and they wouldn't even give me a contactless card let…
Flat Address Issue - Post Office and Council use different formats
I have an issue with the Council and Post Office storing my address in different formats. After buying and moving into a flat I was confused that I could no longer get credit. The first issue is (Edinburgh) council store my address in the format: 10 (2f1) Anonymous Street Edinburgh (Building no 10, 2nd floor flat 1) But…
incorrect address on my credit file with noddle - rejected dispute
I checked my credit file with noddle, and have been linked to another address, I raised a dispute and within minutes the dispute was rejected(automated reply I'm guessing) its now been over 2 weeks since I emailed them with no reply. I have never been financially linked to anyone, used that address for any reason, I don't…
Vanquis Chrome for credit rebuild
I recently acquired a Chrome Card from Vanquis Bank. I aim to use it for one weekly shop per month then pay the full amount off each time. What I'd like to know is, does it make a difference if I pay it off the next day....or is it best to wait until I get the statement then pay it straight off then? As far as credit…
Experian Credit Score FREE Forever???
I'm already with Noddle (Call Credit) and ClearScore (Equifax), so was looking to see if Experian had a free service also, but not just a free trial. On my searches I found this from the 14th Sept 2016.... http://www.experian.co.uk/blogs/consumer-advice/experian-credit-score-free-forever/ Clicking on the links in there…

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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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