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Credit file & ratings

Archives for February 2017

Electoral Roll & Council Tax
Hi all, Would appreciate any advice with regards to the following. As an expat (non-resident in UK for tax purposes) who has been living in the Middle East for 4 years now and with future intentions of returning to the UK, I want to try and maintain as high a credit score as possible. So after reviewing my Experian credit…
Can't pull my correct data from MSE Club!
Anyone know how i can fix this, i signed up to MSE Club but it's pulling only half my Data as there is 2 versions of my address, one One is Flat X, Insert House Other is X, Insert House But the MSE club won't let me remove the flat and search for me on my proper score?
Debt collector adding default to credit file
Hi All, I have been in a debt management plan for many years now and its finally coming close to ending so I decided to look at my credit report and figure out how to get back on track. It seems one of my creditors closed my accounts and passed it to a debt collection agency which is usual in itself but the debt collection…
Fraudulent IVA how to get it cancelled
Long story short my mum was married and he racked up 100k plus of debt on another family in secret. Some debts he signed up for in joint names without my mam knowing. Even signing for her or the classic case of husband handing over piece of paper and demanding he signs it which according to the barrister in the divorce is…
Credit Card Confusion
I've posted a few messages about the forum regarding my financial situation and one thing I keep reiterating is that I no longer wish to have credit. However, I realised a few months ago that I would benefit from having a credit card. I was constantly receiving offers through the post so applied for an Aqua card. I got…
card/loan eligibility calculators
I've tried the card and loan eligibility calcs on this page, and now have an alert from equifax with a whole bunch of searches from capital one and barclaycard on my credit file. Of course, these may only be visible to me, BUT there appears to be NO WAY to distinguish them from an ordinary search - Equifax aren't nbeing…
Equifax Uphelp complaint
Hi looking for some advice, i've been fixing my credit rating for the last year or some made some real good progress but i've had a long running battle with equifax about my ER info, i had enough of the backwards forwards dance with them, so i asked to make a complaint (surprise my data magically appeared!) and they have…
Can a company re add a Ccj
Hi, I had a CCJ on a credit card which is now spent and my credit score is excellent. Due to sickness from work I have been unable to continue paying the debt and the company are now threatening to give me a default and CCJ for this debt. Can they do this (for the same debt) as I defaulted and was issued with a CCJ over 6…
Financial Associates removal.
Hi again guys, Quick question. Just done my experian credit report and it still has reference to a couple of loans my ex took out about 8 years ago. I have not been with my ex for over 6 years now and these accounts will be long gone. Now I understand that these can be asked to be removed but the problem I have is I still…
Defaulted accounts now 6 years on
Hi, I defaulted on a number of credit card accounts around 6 years ago. I have been paying a minimal agreed amount each and every month arranged by the CAB at the time. 3 accounts have run the 6 year period and although I understand I still owe the money, they shouldn't show on my credit rating, (I understand). 2 more…
Do 'partially settled' accounts improve credit file?
Just curious but i was able to partially settle a few accounts following agreed full and final settlements recently. These obviously will be noted as such on my credit file but does that make any real positive difference to my file? Or will that even have a more negative impact? Thanks
Prepayment meter debt affecting credit rating!
Just wondered if this was happening to everyone with a pre payment meter with debt. So we have pre payment meters gas and electric and there's debt on there from 2011 which comes off each week. So long story short I checked credit score after been refused mortgage in principle, thinking my credit was pretty good. The way n…
Credit building cards repayment help!
Hi all..I am slowly rebuilding my credit rating and using a couple of credit building credit cards to show that I can pay back my debts. I currently have £300 on one and £150 on the other that I pay by direct debit every month. Rebuilding my credit is painfully slow - my question is; would it help to just clear the…
MSE News: New totally free way to get your Experian Credit Report
It's your financial CV. You need to see what it says about you. If wrong it can kill cheap mortgages, mobiles & more...Read the full story: 'New totally free way to get your Experian Credit Report' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our…
Can't register with credit club
Don't understand why. I have checked the experian report I hold from last year to ensure my name, Dob, address (haven't moved since 2001) are all formatted correct and it says they have not been able to verify me! :mad::mad: Anything I can do?
MSE Credit Club beta web design problem
Whilst trying to join MSE Credit Club I found a problem editing my address! Having entered my road and post code and selecting 'Find Address', I found the closest to my correct one, BUT, subsequently, after clicking on 'Edit Address' it simply returned me to the original entry page - which didn't enable me to correct the…
Plusnet searched my credit file 8 times on one day when I purchased a £5pm contract
Does it matter than when I purchased a £5pm 30 day rolling contract from plusnet (a second one, I already had one with them) they did 8 credit checks on the same day according to Experian? Can I do anything to have the extra searches removed? Edit: I am kind of suspicious, I telephoned plusnet CS to get the second line and…
Score hit by multiple credit apps: what can I do except settle card & loan?
So I've recently had a bit of a nightmare with Chelsea Building Society releasing extra mortgage borrowing for a loft extension (long story). With the result that building work started (and is pretty much finished) so I had to take out a money transfer credit card and a personal loan to pay them. Before that I had already…
Default after 4 years
Hi all I ran into some trouble over 4 years ago with Npower, long story short they didn't collect my DD's and I didn't check, ended up owing around £1500 - I moved house and since them have sorted myself out financially but have never heard from them, I have been at the same address for years and on the electoral role so…
Found a CCJ I was unaware of...
Hello, and apologies if this has been written before. Basically my credit card stopped working, upon calling them they told me they reviewed my credit file, found something on it and cancelled my cards. They wouldn't explain what they found. Upon looking at my file I see a CCJ has been put on my account in December at…

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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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