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Credit file & ratings

Archives for February 2017

No credit score for my small business
I run, with my partner, a small retail business. We've recently had cause to require a credit score but it seems that none of the agencies have any information about us at all. We currently don't use a credit card and pay all our invoices in cash or by debit card, either upfront or within a week of receiving any goods. The…
Phone Contract Credit Agreement
Hello all, I've had a bit of a problem today while trying to arrange to get a phone from O2 on contract, initially the plan was to pay for the device monthly and while running through the checkout process my credit history was checked and the check passed. However, before confirming the order the web page crashed and the…
Do I have a CCJ?
Hi all Just after some help/thoughts/advice please. I'm close to applying for a mortgage so checked my credit file with all 3 CRA to make sure everything's in order. There is a CCJ register in March 2013, but only on Equifax, not the other two. I called the court as I was sure it was a mistake and wanted it removed. They…
Credit ratings and Mortgages - advice please
I've read (many times) all the guides around improving credit scores, and that the 'scores' themselves mean very little in terms of a definitive acceptance rate. Having consulted my Experian, Equifax, CallCredit (Noddle) reports I can see we have a very clean report. All accounts are up-to-date. We've never defaulted,…
Clearscore CCJ Error
I looked on my Clearscore account and it states that I have a CCJ on my account 'You have had at least one Court Judgement' on the negative factors section. I just paid £4 to go onto Trust online and check, however there is nothing there? Can you access any further detail on Clearscore or is it just an indication? Really…
Advice on credit agreement not on file
Hi I am hoping for some help. Long story short last month I lost my job as the company went into administration. I wasn't paid my expected wage in January either a full months wage ! I have signed on to JSA, however I have had a few interviews and I am confident an offer will come from one of these I find out over next two…
Pay off and close old card or pay lump on existing high-balance card
I'm trying to improve my credit rating, which is currently in the fair/good range, with no real negative aspects other than a high balance and high utilisation on a couple of cards. I have one long-standing suspended card account with a high limit on it, which I've been slowly paying off over the last few years, and only a…
Current Accounts & Credit Ratings
Morning, Can anyone explain to me why an application for a new current account - and specifically with NO overdraft facility - means my credit score takes a hit? Like a lot of people on these boards it has been necessary in recent years to take advantage of the interest rates available in current accounts so for some time…
2 hard searches for one application
I was trying to order a new phone online but while applying I got an error message which told me to phone the sales team. The sales team told me it's because my account was previously deactivated, he said that it wouldnt have done a search first time and he did a search for me which was successful. I checked clearscore and…
Poor credit score and opening ISA
If opening a cash ISA / help to buy ISA with your current bank will they run a credit check prior to opening the account even if already an existing customer? Any info on this would be much appreciated. Regards, K
Approved for a credit card, turned down for bank account
I successfully applied for a credit card recently and I decided to try to apply for a bank account with Nationwide. A few years ago I was rejected by Halifax but since then I've been living at my new address for a few years and I'm on the electoral roll. In short my credit report should be a lot better However I was turned…
Pay credit card off after statement generated?
I posted a couple weeks ago about a capital one card and paying it off in the middle off the month, the outcome is that it could effect my credit file instead of helping but I am just wondering how it stands if the statement is generated and then a payment is made? I am going away on the 27th March and my direct debit is…
Credit History - Financial Disassociation
Hi everyone! I am new to MSE and actually joined tonight in order to post this question! :money: I recently added my partner to my Natwest account. It was just so things were easier for me to manage the household and general 'life admin' as I like to call it, rather than a financial commitment. We have been together…
Am I damaging my credit score?
Hi I currently have a credit score of 996 on the credit club report but my affordability is low. The reason is I have my savings in my current account feeding 2 savers and my H2B ISA. I also have my wage and DD going in/out of this account, on paper looks like I'm spending all my wages when in reality I'm not. In a…
Affordability
Looking for advise..I have an excellent credit history with a experian score of 999 and a perfect credit history.. low usage of credit card to availability however Advise please ... It came back i have low affordability score ( low disposable income ) when I did my free credit check through MSE. I have a very good income?…
Paying off NatWest debt
Morning! I've recently checked my credit rating and can see on there that I still owe NatWest around £400 from a student account I closed years ago. This is obviously affecting my credit score and I would like to pay it off. How would I go about this? I tried speaking to NatWest but they required account information from…
Ccj help/advice
Hi, First of all thanks in advance for looking. My situation is I'm debt free but I still have some scars on my credit file. The main one is a CCj issues in 2013. This was for a debt which defaulted in 2006. The CCJ was issued on 12th February 2014 and serviced on 19th February 2014. The original agreement with Three…
Credit Club via Experian
I signed up for the Credit Club a couple of days ago and the amount of information going back decades was amazing. I was showing my son and could not bring any of this information up again. Why can't I access the information again.
Reported ID theft - how long before action?
On 10 Jan, I found that I had been a victim of ID fraud - someone had bought 4(!) iPhones using my name and address. I reported it to Barclays Partner Finance (with whom the agreement had been taken out). They asked me to sign a disclaimer, and said they would remove the accounts and related credit searches. Today, I get 2…
Next account
Hi all. I've been checking my credit file and they have my next account showing -£10. Now when I paid the statement for money due in the shop I had an item I was going to get delivered within the couple of weeks. They let me pay for my previous statement and they put the value of the item I was going to collect on top…

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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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