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Credit file & ratings

Archives for March 2017

Credit score and electoral register
I have recently moved into my boyfriends house (1st March) and applied to change my address on the electoral register. I have heard back from the local council, who say I will be added to the register on 2nd May. However, my boyfriend and I are hoping to buy a house together with a mortgage, as soon as we see the right…
Public Record Information (CCJ) and Credit Accounts (Defaulted Accounts)
Just signed up to the credit club (beta) and I had two questions that came up from it: Under the Public Record Information tab it says that there is 1 Public Record Entry. Information type: Judgement Court name: NORTHAMPTON COUNTY COURT Discharged date: - Case number: (not shown) Source: Registry Trust Ltd Entry code: J1…
Financial Association - Directors
Myself and my wife are directors of a Ltd company. Recently we applied for a merchant services account in the Company name, but both mine and my wife's details, as Directors, were on the application. Today we were approved for our Merchant account, but we keep our finances separate in our personal lives, and do everything…
BY Default
Hi, Hoping someone can let me know the process for disputing a Default. I was planning on moving house this year and I have just obtained by credit report. It has a default from around 3 years ago for an unpaid bt internet bill. Rationale for dispute: I took out BT broadband and phone in December 2012, at that stage the…
Defaults with Santander
I've checked my credit file with Clearscore. I ve got defaults with Santander and I understand they'll disappear after 6 years. I have 3 defaults from 2010 (May, June, July) and then I I got up to date, and then more defaults in 2013 for that same Santander loan. I paid everything off in 2014. And now the question,…
credit score
Hello, Really hoping someone can help me before I have a breakdown!!! It's about my credit score...we had a CCJ 5 years ago, it's been paid and closed off 4 and a half years ago. I expected this to still show on my Experian credit file however it is under the 'alert' section. I know who the creditor is and I have contacted…
Credit check AFTER mortgage completion?
Hi I have question about whether any lenders (Specifically barclays) can/do credit check AFTER completion to confirm balances have been cleared? I received my mortgage offer which was contingent on clearing certain credit card balances "within 30 days of completion". That implies that you can be credit checked after…
Am i due a refund??
For two years I have had an account with experian to keep an eye on my credit rating. Just last week I joined the Credit Club on MSE site. When i got my credit rating from the credit club my score was completely different from the experian website, a credit rating of 888 as opposed to 999 shown on experian. I called…
Identity Theft - Barclays a/c opened, phones and other items purchased on credit
Someone opened a Barclays account using my son's details. He discovered this in January when he received a letter addressed to him, giving him the details of his new account. Before he had had time to contact Barclays, he received communication from 2 phone companies with details of 'his' new accounts and direct debit…
Credit score is stuck
Hi, I'm new to this and would appreciate any advice... after completing payments on a debt management plan I have been trying to re-build my credit score. I have a credit card, which I use every month and pay off in full each month. My score was steadily increasing, however it has been stuck for the past 4 months. Does…
Parking fine help needed please
Have a look at the Motoring Section below.
Settled or not on credit report
Im currently helping a friend clear up their credit history as they are in a bit of debt they have defaulted on several payments over the last 6 or 7 years. I have done checks with all the big credit agencies and the same debt with two different agencies is showing as open on one with a status of defaulted (this is on…
Advice on ccj please
I have been remortgaging and was advised to use experian (which I have never used before) and was shocked to find a ccj of £256 against my name. I would very much appreciate some advice on what I should do next. The ccj was issued Sept 2016 and sent to an address that I had moved from 18 months ago. It was for a parking…
Advice Needed - Limited Credit History
Hello, Bit of advice needed, and I really don't know where to find answers :/ Myself and my brother are looking to purchase our first home (in the next 6 months or so) with a joint mortgage. We both have 'good' credit scores, but with slightly different histories. I have 3 credit cards (with a low amount of available…
Credit file after marriage
Not getting married until next year but just wondering After I get married I will be changing my name, does my current credit report update with my new name after changing over bank accounts and electoral role? Or do I 'start again' as a new person?
Scottish power default
Hi, I'm after some help on whether or not I can get a default removed off my file. It is for £82 owed to Scottish power for an electric bill which I didn't even know was in my name. A previous landlord/friend had let me rent his apartment with all bills included. We had a bit of a falling out as I wanted to move out and…
PLEASE HELP: Settled accounts on credit report. Good or bad?
Would really appreciate if anyone could help with this question.. I've had a default removed from my an old mortgage account that was included in a bankruptcy 7 years ago, but Lender had originally set default long after the bankruptcy. Lender has correctly removed the default marker and all record of missed payments from…
How would i go about fixing an unfair default on my score?
I currently have a default on my credit score from BT for £174 and i was curious as to how i would get it removed as it is unjustified. I had a contract with BT however they removed BT sport from the package and put the price up so i called them to cancel as i was within my rights to cancel with no extra cost, they agreed…
Renting but need to improve credit score of 999
My credit score is 999, I've got a credit card that I pay off IN FULL every month with a limit of £700 (increased from £500 last year to improve my credit) I am stuck in the 'you can't get credit because you don't have credit' loophole! I am renting so don't have bills to pay for, I'm on GiffGaff and bought my phone so I…
Status 6 V's default.
Hi all, I will be attempting a mortgage application around March next year and on checking my file I found a default registered against me in Feb 2013 by Yorkshire bank for £1250. Due to changing jobs the account fell behind and in December 2012 I agreed to pay £30 each week until the debt was settled, and in return no…

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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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