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Credit file & ratings

Archives for July 2017

Complaint about missing default: Barclaycard
I wonder whether people could help me here? Rather than relate the history, I'll paste a complaint letter I have drafted below, which should explain what is going on. Just to say: this information on my file, appearing to suggest I was in arrears more recently than I actually was has been damaging me –!so I basically need…
Lasting Power of Attorney and Credit Score
Today my father broached the subject of setting up a lasting power of attorney so to help him I bookmarked the advice on the MSE website. My only problem with this is that I have a dismal credit score due to stupid behaviour when I was younger. I am concerned that the banks would refuse to allow me to be his attorney…
Fraud
Hi I'm new to this site so it's a 1st post from me, For the past 2 weeks I have been basically bombarded with letters from mobile phone shops, credit agencies and banks congratulating me on opening new accounts or buying products, I have had to contact the companies, the police and action fraud, all though are washing…
Electoral register--problem or not?
Was checking our credit reports last night and, with Experian, the wife's report said she was not on the electoral register. This was news to us as she voted in the last general election and, according to the previous report, she was definitely registered. Phoned out local electoral dept at the council only to be told that…
Defaults Removed - No Change in score?
I questioned 2 x defaults from the same company a couple of months ago. I was lucky and they agreed I was in the right and said they would remove them. They have been removed but my credit score hasn't changed! I would have expected it to go up a few marks considering it went down heaps when the defaults were added......…
Do large cash withdrawals affect credit ratings?
I'm considering making a large cash withdrawal (in excess of £100k) from one of my bank accounts (not my main bank account). I appreciate I'll have to give the bank notice of this withdrawal to ensure they have the cash ready, but will such a large withdrawal in cash affect my credit rating?
Noddle advice
Hi I would like to check my credit file but I'm weary as to whether it will show up to any potential debtors or whether my information is shared. Can potential debtors see when I've used Noddle or get notified in some way?
Can't get accepted for a credit card to boost my credit file
I have applied through a various amount of credit card companies to help me boost my credit rating, but they've declined my applications. What are my other options to improve my credit rating instead? I have a mobile phone contract which am paying off, but that's about it. I'm also on the electrol roll.
Withheld Number calling about a private matter
I got a call from a withheld number asking to talk to me about a private matter, they just said there name and refused to say whom the were calling on behalf off until I confirmed my details, name,DOB, Address etc but I refused as they wouldn't tell me their full details or return number. I few days later I get a letter…
Loan company checked me twice same day.
I recently purchased a new tent on 10 months interest free. My credit rating was great so knew I would be ok. Problem is it has now taken a dive and looking at Noddle it appears that the company checked me twice one after the other. The second one says administration check. Is this what could have changed my score quite…
General Help:CCJs and moving on
Really hope someone can advise. We are currently in private rental (through someone we know not through an agency) and would desperately like to relocate but feel we are probably stuck because of our financial situation. I've got a good credit rating but am a stay at home mom. My husband has a good permanent job for the…
Need a new car while waiting for mortgage completion
Hi guys, Our car's head gasket has just blown. I'm sitting waiting for recovery as I type this! The wife needs a car for work and we were going to lease as soon as our mortgage had completed in three weeks. But we need it now. And we're worried that any application for credit now is gonna to affect our file, which could…
Vodafone Default Affecting Credit Rating - Please Help!!!
I recently checked my credit report, as I am looking to get a mortgage, only to discover that I have a default with Vodafone. I then came to the realisation that this default is from a contract that I took out for an ex partner who hasn't paid it (yes, stupid thing to do). I accept the fact that I have made a mistake and I…
CCJ falling off my file
I have a CCJ due to drop off my credit file in the next month. From experience how is this likely to change my credit score?
Date of Default
Hi Can anyone tell me at what point the 6 years starts please? I defaulted in 2011, due to job loss, made regular payments every month without fail, but the interest had been waived, repaid in full in 2015, but every monthly repayment between 2011 and 2015 shows as a default. Do they take the date the account first went…
Creditor re-registered same expired default
Hello all, I like some help/guidance as to where I stand legally with this issue. My default date on a delinquent account was October 2010. In November 2016 I checked my credit file to confirm it had been removed post 6 year anniversary (It had). However when I checked my credit file again in June 2017, I discovered that…
Credit Default
I have a perfectly clear credit record no missed payments, 3 credit cards with good limits all paid in full every month but there is a default from capital one from 2013 this has been paid in full, however my score is in the very poor category, Seems a little unjust to me, all this about rebuilding your credit when really…
credit score plunge
So after spending time on here, I'm fully aware that your credit "score" is just a number but I can't help but be concerned that it's nosedived into oblivion. Why? Because I moved house. I'm looking to lease a new car in the next 2 months but Experian has me listed as very poor because I'm "credit hungry". Have I taken out…
New tenants at previous address trying to obtain credit
Hi So i have checked my credit file with clearscore and for a second time, new tenants at my old address have used my details with a different date of birth to try and obtain another catalogue account. It has been declined but has affected my credit score :( i have contacted the company in question again and they just…
Ar on credit
What does AT mean on credit report

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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
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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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