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Credit file & ratings

Archives for March 2017

Paying for things with Finance - Effects on Credit History?
Hello, I'd like to make a couple of "large" purchases over the next few weeks: a new phone and a pedal bike. If I pay for these using a 12 month (or shorter) finance option, will this act as a mark against me on my credit report? I'm in my mid-20s and thinking ahead to future decisions regarding mortgages and buying a car,…
Wrong Address on Credit File
Can anyone advise me please on how to change an incorrect address on my Experian Credit file which I have accessed through Money Saving Expert. One of The addresses is wrongly spelt and therefore there are two versions of the address linked all the way through and I'm worried it's impacting on my credit score. Any help…
Which balance does Amex report for their Charge cards???
Hello everyone! I was recently accepted for and Amex gold charge card and I am waiting for it to come in the post. My question is which balance does Amex report for their charge cards? Do they report the statement balance or the balance of the last day of the month? I have two credit cards at the moment and I have been…
Evidence of how useless credit scores are
I applied for a Barclaycard last week. I was accepted with a credit limit of £10,100. There's a free Experian credit score tab within the mobile phone app - my score was 715 (Poor). As I said - useless.
Partner Moving in with me
Hi, My partner is moving in with me, and when I the inform the council about council tax changes it says the bill will be in both our names. With the bill being in both are names if they have a bad credit history will this affect mine as up to now mine is fairly decent? Thanks in advance.
Notice of Disassociation
Hi All, I’m in need of some advice. Upon receiving a recent credit report I have noticed that somebody I lived with years ago at University is showing up as a Financial Connection. I vaguely remember having a joint account with this individual as we paid the household bills together. I looked into service a notice of…
Partial settlement on credit file
Hi, I am currently in the process of negotiating full and final settlements for my outstanding debts after 5 years on a DMP. The accounts were defaulted 4 years ago, if I agree a F&F with the creditors will the 'partial settlement' fall off my credit file along with the default in 2 years or will that stay on the account…
Made partial settlement. Should I go back and settle in full?
I have a partial settlement on a credit card account from September 2016. I would now be in a position to settle the rest of the debt. Is there any point in doing it (ie. would it then improve my credit rating?) Thanks in advance
Anonymous search
It's annoying when a company like this: http://tech.eu/features/4365/onfido/ searches your credit file because, basically, you have no idea who they are doing it for. :(
Ancient Equifax report has hindered application
Hello All, I have just had a credit card application refused on the basis my Equifax details didn't match my application details. Not realising I even had an Equifax report (have everything set up with Experian), I rang Equifax to see what the craic was. Apparently, back in 2012, I signed up for a report (30days free…
Payment plan with Debt Recoveries
Hi all, I have a £820 balance to clear with MMF debt recoveries after receiving the first letter from them a week ago. This debt was originally from a payday i took out in 2014 which states 'settled' on all my credit files but the original debt was never cleared. Im looking to apply for a mortgage next year. May question…
How to chase up O2 capita when THEIR mistakes have cost my good credit rating?
Spent all yesterday on the phone to o2. I hate them. A simple enquiry bout a new phone lead to me being told my credit rating is good, but referrals need to do a security check - which was actually like an abstract memory test, as if i should i know all the house numbers as a london based transient witha terrible memory -…
Barclaycard Travel Card Help!
Hi all. I am travelling to America in late May. I am spending 6 nights in Vegas and 3 in LA. We have reserved accommodation for Vegas but not paid for it yet (we will probably pay when we arrive - booked via booking.com). I am not sure at all how much spending money I will need. We are going to be doing a lot of trips,…
Ccj
Hello all. To cut a long story short...I ended up with a CCJ for the ridiculous amount of £145 back in Feb 2014 from Parking Eye. I got some of the threats/paperwork but after receiving poor advice from numerous people who I valued their opinions...and a dodgy looking court letter...the CCJ was the result. I satisfied the…
Wrong date of birth on credit card
Hi all, I currently tried to apply for a littlewoods account. They declined due to saying that the credit card i currently have has the wrong date of birth. I contacted them and has the wrong date of birt!!!!! i asked them to change it and said it would take a couple of days... why did i even get accepted with wrong date…
MoneySavingExpert.com Credit Club
Hi, I have a couple of questions regarding the club if someone can help. My wife and I live together and I am retired early on a company pension and my wife is retired on the state pension. Is it correct then that I have put 1 dependent living with me or should that be 0 as she has her own pension? My loan rating is listed…
Delingquent Account
Hi Just logged into my Experian Account, and seeing that a Loan account I have has gone into Delinquent Stage. What exactly does this mean? And what's the effect? I am aware of arrears and defaults but what is delinquent? I feel that any issues arising, I should have been provided some warning or notice. Should I have been…
Here we go again
Here we go again So there i was thinking i was debt free about to take on a mortgage... So when me and my partner split up in 2011 we had an agreement in place he would pay back my career development loan , not a formal one , which naive as i was i believe he did lo and behold i get a letter through saying that there was…
Financial Probity Check
Hi - going for an interview soon that, if successful, would mean a Financial Probity Check. Job may involve taking CC payments, cheques, logging bank t/fs but probably very little cash as the invoices people are paying are £thousands. Up to about 8 years back we were in trouble but now are 'reasonably healthy' (I think?)…
1st credit debt collector
Hi all, I just received a letter this morning from 1st credit regarding a payday loan i took out back in Feb 2012. Question is do I even bother contacting them to clear the £230 balance? Looking on my credit file it shows as settled/closed at £0 and due to drop off Feb 2018. What are the likely chances the debt collector…

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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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