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Credit file & ratings

Archives for May 2017

Experian report on Credit Club showing duplicated accounts - who to contact?
As the title says, for some reason all of my current accounts and credit cards are duplicated on my credit report. This means it's showing 8 current accounts instead of 4, and 4 credit cards rather than 2. It's not obvious who to contact to resolve the matter.
Aqua card!!
I'm hoping someone can help me here! I'll try and keep it brief. I had almost maxed out my card, and in January decided to take some money from my savings and pay it off in full. As a result, my card was blocked, my mobile app was blocked and whenever I tried calling I'd get cut off after entering my details. Finally spoke…
Credit utilisation
Hi I've joined the Credit Club and got my Experian Credit Score, which was just shy of 999. Under the section "8 things you need to know about your credit file" all my items have smiley green faces except "Credit utilisation" which has an orange not happy/not sad face. As I understand it, credit utilisation is how much of…
Thames Water Direct Debit
I have a direct debit with Thames Water which debits me in full every time they send me a bill. The problem is that Thames Water only bills me once every half a year and now on my credit report it is saying I am seriously in arrears with my payment (because they assume I have a monthly direct debit I guess). It is…
Lowell Nightmare
Evening all, Seeking some advice please. To give you some background... My partner and I are in the process of looking for our next home. We originally put the house on the market in January and got an AIP in February. Our house has only recently sold and I have approached our lender to renew the Agreement in Principle…
U.K. Citizen, lived abroad, recently moved back
Hi, Really looking for some help please. I am a U.K. Citizen from N Ireland originally, I've been living overseas from 2005-2015 and have recently returned to the UK and am residing in Scotland. I recently tried to take out a contract with EE and was refused due to my 'credit' I earn a good wage, am employed full time and…
Credit file for expats
Hi all, As an expat, I do not have any kind of history here in UK. I was wondering if moving money in UK and putting 20k GBP into a saving account can contribute to build a good score. Also, could be useful to get bank references from my previous country and get them 'registred' by experian or other rating companies? Thx S
Car finance mess up
Hi everyone ok brand new to this so probably the wrong forum. I bought a car that was you clear (did it myself) and also the dealer did it and it showed as having no outstanding finance. I tried today to get a log book loan out on the car and the company did their own up I check which was through experian. And it has come…
Noodle Credit Rating Help Im So upset
Did a free Noodle check myself and amazed my score is poor only 2/5 (562 score) I have been through whole file and there is not one late payment or default. I have rented since 1997 no mortgage. I have one credit card ( no defaults /late payments) with balance on 814 and credit limit of 10k. In a panic after seeing my…
To anyone new thinking of posting on this board...
Don't bother unless you want a really sarky reply saying that credit scores are meaningless etc etc etc honestly read any thread on here you will not get a sensible reply. Why these people waste their time to even post a sarky reply is lost on me. Steer clear just google your question more chance of finding an answer.
Variance in credit scores (both Experian)
I have a Barclaycard which gives me a free Experian credit score every month. I have also just signed up to the MSE Credit Club, which also offers a free Experian credit score however, these scores are both different (around 100 points different). Is one or the other more comprehensive? Any reason why I should be getting…
Am I doing the right thing?
I have been stuck in a rut for a number of years and have been unable to clear a small amount of debt - I have been spreading the payments (just over the minimum) rather than clearing anything. A couple of cards are near the limit. Despite the relatively small amount and regular payments, I am struggling to get accepted…
Credit Score decreased!
Hi, A few questions here! Apologies. A concerned man is trying to buy his first home!! Any answers/help would be greatly appreciated! I have recently been trying to improve my credit score, with a fair amount of success too, but I logged today to find that the score has gone down by 31 points due to the two notes below. I…
Debt question
Hi all, I wonder if anyone could throw some light on this for me. I was self employed some years ago selling 2nd cars, I used a company called Hpi to check car history's etc. I used to pay my bill every 3 months via debit card around 30-60 per month. I went back to being employed in December 15 and paid what I thought was…
Cancelled credit - Credit Score
Hi I recently took out an o2 refresh tariff, which I think runs two credit checks - one for the handset and another for the tariff. I took the decision to cancel this contract within the 14 day cooling off period, which o2 have processed. However I have noticed on my clear score report that the account is shown in the…
Unknown account in my name
Hi, I was checking my credit file and came across a shop direct finance account opened in my name two Months ago which had no balance. I've been very careful the past few years trying to build good credit etc so this random account came as a shock as I knew it was nothing I had opened. I called up shop direct and asked…
Credit Search showing up 3 times
Hi There, Hoping someone can help, i've just checked my credit score in preparation for getting a mortgage in the next few months and i've noticed that my only credit search for this year has shown up 3 times, it was an application for a mattress that was approved but they've searched my account 3 times on the same day…
Effect of having a buy-to-let mortgage.
Sorry if this question is naive. I own my own house outright, and have done for several years. I now have a buy-to-let mortgage. So when applying for credit or changing banks, and being asked if I have a mortgage, I tick yes; but somethings the question is framed in a way that confuses me as to whether I am being asked…
Advised to change home address before applying for mortgage - effect on rating?
Hi! I’ve always kept my bank accounts at one address in another city for over 20 years (my parents) where I’m also on the Electoral Roll, to keep my credit rating high. I can of course always live in that property as I have a room in it. The reason for this is as a student and then as a professional I've had to change my…
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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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