We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit file & ratings

Archives for November 2016

Experian free Creditmatcher
I am applying for a mortgage imminently and my broker wants some confirmation of my credit SCORE. I previously paid and provided the statutory credit report (£2) and he said he also needed the Experian credit score. I previously had the free trial and then cancelled it a few years ago, so it won't allow me to have another…
Barclay Loan not showing on credit report
Hi, does anyone know why my Barclay Staff Loan isn't showing on my credit file? I've had the loan for some time and pay it on time every month etc, but wondered why it wouldn't be shown on there? I have now left Barclays and only have around 12 months to pay left. Thanks.
Wrong Credit Rating
Hi All. Naive in this area. Mortgage recently declined, reason being: A payment of £80.00 is showing not paid to council for a rubbish collection ages ago from me. Actually, it was paid on the due time and looks like council has mistakenly taken an action prior to the notice. What can i do? I am very annoyed as it means I…
Advice - Defaulted Account
Morning All Earlier this year i had some great advice off of this site which pointed me in the right direction of managing to getting a defaulted account back dated to when i had gone in to a DMP (This had been going on for 8 years and other accounts with same bank had already dropped off) They agreed and in January of…
Paying off creditors
Hi everyone, Trying to negotiate paying of my debts. Been warned that they may offer a discount but then sell outstanding balance to another creditor? Some are saying that on my credit file it will say "partial paid off" Am worried about this. Any advice please.
What does your credit score really count for?
When it comes to applying for a mortgage, how much does your credit score factor into the decision? And how much comes down to size of deposit, affordability, etc?
Fixing credit report
Hi my husband and I have decided to look at going for a mortgage, my credit report is fine, however my husband has a default on his for approx. £1320 for an overdraft he had years ago with his bank at the time. We contacted the Debt Collection agency who said that they had passed the debt back to the original bank. We…
Finance account being reported without full name
I have signed up to the credit score check services and have noticed that in the accounts sections they are listing my bank account and credit card (also provided by my bank) without part of my surname. The accounts are all correctly linked to me, and after calling the bank my name is correct on their systems, so I dont…
ccj against debtor
hi i lent an ex-friend money last year he wouldnt pay i took him to court & won. he was given a ccj for full amount of £500 + £35 costs. he has paid back £40 so far as paying £5 a week as claimed he was on benefits. he has just had a windfall of £16500+ can i ask the court to make him pay me in full now?
Wrong address
So today I've found out that halifax have been sending my post to the wrong address don't know how long this has been going on for because most off my bank stuff is paperless and I was wonder can this be a reason why I can't get credit? because my credit rating on clear score is 500/700 and I've never been able to get…
CCJ has been set aside! When will my credit rating go up?
Hi all, Today I checked the Registry Trust to see if I have any unsatisfied CCJs and I am glad I did. It turns out that a CCJ which was set aside by the court in October 2016 is still showing up as Unsatisfied Judgement. I phone the County Court now and they apologised and updated the system to “judgement set aside” – they…
6 years of late payments
This has got to be a record surely?! Back in 2006 I opened a basic savings account with nationwide, no debit card, no overdraft etc. Just a cash card to withdraw money from ATMs. Anyway, I used the account for maybe 18 months and stopped using it with a balance of £0. In 2009 I moved address and completley forgot about the…
Defaults & mortgage?
I currently have 4 partially settled/settled defaults, these occured because of my marriage breaking down. I sold my house & payed them off but they obviously are still showing on my credit file. I'm currently renting as I don't think I can get a mortgage again at the minute. I've been told that most mortgage lenders will…
Mortgage company unable to see all our credit information! Help!!
Hiya I'm trying to apply for a mortgage through Santander using a broker. They have run a credit check on myself and my partner and they can only see the electoral roll information, but none of our account information e.g. Credit cards, bank accounts etc. I have called Experian who say that there are 2 formats of our…
Could I still get a mortgage?
When I sell my property, I'll have a £200,000 deposit after I've paid off £15,000 in credit card debt and a loan that was taken out for vital surgery earlier this year. My Credit Score on ClearScore is currently 338/700 which isn't great but I'm going to work on paying off some of my credit card debt over the next 6 months…
insurance fraud
We recently had a three letters from Direct Line delivered to our house. Correctly addressed, but the names on the addresses did not belong to anybody in the house (and we've been here for 20yrs, so it's not as if they were previous occupants). Two letters we sent back "not known at this address", the third we opened. It…
Old homeowners taking out loans
I recently bought new house -and moved in 1st Sept. however- the old owners haven't forwarded any of their mail to a new address. They have been receiving a LOT of mail - some of which I kept initially to give to them. However -my partner recently accidentally opened some of their mail - to find that they are taking out…
Credit Checks
I have never borrowed money. I have noticed there are a number of websites that offer a free service to check credit ratings and give similar information. Out of interest, I would like to put my name and details into their engines just to see what is revealed. I would expect a blank slate. However, It occurs to me that if…
Heartless capital one
Hello, I used to have a Capital One credit card in 2013 and to cut a long story short, I had cancer and had to move back in with my parents so they could look after me through treatment and operations. I totally forgot about my credit card account that had a balance of £1811. It wasn't debt avoidance I was just so sick…
Getting rid of Bad credit for a Mortgate! Please Help.
Hi, For a brief period of unemployment and financial hardship, I have now been left with low credit score 600. This recently has prevented me from passing any mortgage applications and is really having an effect on me personally. There are 2 default marks on my credit file: Payday express - pay day loan. Initial Loan was…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Credit file & ratings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Credit file & ratings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free