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Credit file & ratings

Archives for January 2017

NPower appears on my credit file for no reason
Not sure what to do here. NPower have appeared on my credit file for an address I lived at 4 years ago. The account start date is November 2016. Very bizarre. I phone them and they treated me like a criminal. I've lived overseas for 4 years!! What a horrible company.
Being chased by debt recovery firm but account listed as "Satisfied"
Hi My girlfriend had a letter over the weekend from BW Legal asking for repayment on a debt of around £200 (with an early settlement of -20% within 28 days) on behalf of Payday UK from early 2013. I got her to log into Noddle just to check it over first but the account is marked as "Closed" and "Satisfied". Now from my…
Should I get a great rate loan for the pure sake of my credit file?
I have a poor credit rating! - I have low revolving credit (my cards total about 700 squid). - I have a default from British gas of 600 where flatmates didn't pay a bill in 2012 (and I didnt find out about it until 2016 when it was a default registered in 2015) - I am yet to pay it off after failing to contact the…
Strike while the Credit Score 'Iron' is hot?
Hi all, I have been pondering about how to utilise my Credit Score this month (MSE Credit Club shows as 969 currently), but have become a little stuck. This year I had my light bulb moment and am tackling a number of expensive Credit Card debts (£4,274 @ 25.9% APR, and £11,858 @ 18.6% APR) which I have started to shift…
ID data lost
Hi, several months ago in compliance with DBS check I provided my employer wth my Passport, Driving Licence ad current utility bill. My supervisor photocopied the documents and forwarded the copies to our HQ where they were subsequently lost. I'm very concerned that this information has not been stolen with a view to ID…
Credit scores: Relative or absolute?
Are the scores generated by the credit agency agencies relative to the scores of others or are they absolute? If I maintain my credit/financial behaviour but others pay down their credit balances, for example, and their scores increase would that then lead to my score decreasing (if that makes sense). Am I purely scored by…
Credit card to increase credit rating?
Just after some advise if possible My credit rating is pretty poor but I have no outstanding debts now but I do owe 3k on overdraft (have £3k saved for a house so far is an ISA) Wondering is it worth getting a credit card for 12 months to increase my credit rating!?
Telecomunications default
Good evening. I am in a battle with orange (surprise surprise) after defaulting me when phones4u went into administration. My contract came to an end and I had sent instruction via phones4u to terminate the contract (they didn't but said they had) I now have a default. I began contact through resolver and had a slightly…
Orange - when should a default be marked satisfied?
I am in my final few months of a DMP with Payplan and so have started taking steps to confirm balances with my creditors. I have been back and forth with Orange over the last few weeks to no avail. I was originally asking them to remove a default for £14 as a gesture of goodwill, to which I received a reply that credit…
Default and CCJ for the same debt
Evening all, Hoping someone can confirm if this is correct? I have a default for £1970 which is registered to a DCA. However, this was then escalated to a CCJ. So I now have on my credit file 1 x Default £1970 1 x CCJ £1970 Is this correct? Also, once my final payment is made to clear the debt I assume the CCJ will be…
Vodafone Incorrect Default
Hi Anybody no the address or how to contest a vodafone default notice on my credit file. 17 yo daughter had a contract in my name. When she turned 18 we cancelled this and she took out her own contract. Vodafone did not cancel the previous contract. - I've heard this is not uncommon with Vodafone. Any advice would be…
british gas default removal
hi, we moved into a property in 2006 and left in 2008 where British gas were our suppliers.I thought all the bills were paid but got a letter in 2012 stating the debt. On my noodle report i see they started a default in December 2011, 3 years after the debt began. As we are planning on a mortgage i obviously want this…
Is my passport linked to my credit rating
Hi All Just a quick question... Can anyone clarify for my if my passport is linked to my credit score / rating. I opened a bank account sometime ago and the bank asked for ID which I provided with my passport. If I open a new bank account in a new bank with my passport is my existing credit score visible to the bank. I…
Clearscore keeping data for 10 years?
Has this changed from 6 years?
Financial unlinking
Can I financially unlink myself to my husband?
Credit Score: Effect from having accounts with different lenders?
I'm currently looking to apply for my first credit card (primarily as a way of strengthening my credit score, but secondly to earn a bit of cash back). I'm curious to find out if anyone knows whether or not having accounts from different banks/organisations can make a difference (either positively or negatively) to a…
patially settled or full settlement?
I have had a CC debt in collections for two years following a dispute, one I just need to move on from. As the debt has been in collections for two years and my credit score is ruined anyway, should I pay off the amount to partially settle (zero balance) or should I pay the whole amount. My thinking if its going to take…
Bad credit on my report, same name but different address/Dob
Hi I think I know what I need to do so probably more looking for some reassurance! Today I received a letter from Moorcroft Debt recovery regarding a debt of £812 I apparently have with Lloyds Bank Plc. I have had letters from Wescott (another debt recovery agency) about this debt in the last few months, and I sent a…
Credit rating questions
Preparing for Re-Mortgage (had nightmare before due to an interest free cc I paid off) and had some questions around this dark arts that may or may not have meaning. I'm not worried about the score but the oddities that are shown. 1) Noddle (638 5/5) a) Shows I'm not on electoral roll but is using the address I registered…
Virgin media credit file hell
Sooooooooooooooooo way back in the day in 2010 I payed off all my debt and went off to uni with no debt and no credit :beer: All except one phone contract. However back in the day 2011 I told them I was terminating my contract as they were in breach of service to me. Over 3-4 months they kept cutting me off for going over…

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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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