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Credit file & ratings

Archives for August 2017

Car PCP on file. PCH ?
Hi 18 months ago I took out a PCP (personal contract purchase) and although I pay a fixed fee and will definitely be handing it back after the 3 years, the whole amount of the cars worth is sitting on my credit file as it's technically a loan. I have since learnt that there is a PCH option (personal contract hire). Most…
When can a company file a late payment
Hi, I have had a late payment filed on my credit report by Shop direct. They have said that the bill was due on the 28th of July and I made payment on the 8th of August. Is this late enough for them to file a report? I thought payment have to be around 30 days late before they could actually file that you have made a late…
Relocation to UK & rebuilding credit
Hi, I have moved back to the UK after 5 years of absence :D New job starts in Sept and if all goes well we're relocating back to UK for good. We have a mortagge and apartment in a big city in Europe. The housing market is booming there. We'd like to sell our old home in EU by April (in 7 months) and take out a >60% LTV…
Default filed by bt at old address on credit report, but I DID inform them!
Hi all I'll keep this as short as I can and bullet point as much as possible. * Account opened with BT in 2015, solely for broadband but also had a phone * Moved house during contract (August 2015), had to move out quickly and last minute due to job change * BT could not provide a service to our new house * Few weeks after…
Littlewoods account
Hello, I am looking for a bit of advice really. I am trying to clear up my credit file. I have an account wwith Littlewoods with a £1400 limit. At the moment the balance is £268 - £228 of which is for a bed I got four years interest free at (at £1.17 per week). Unfortunately I cannot pay the bed off just yet but after this…
What is this search on my credit file?
Just checking my credit file on Noddle, and one of the recent search entries is: Capital One Bank (Europe) Plc (Ml, Sa, Sr, Cval) Money Saving Expert Powered By Capital One(Cr Api) Quotation Search 12/08/2017 Anyone know what this is about, or how it's related to MSE? Is it classed as a 'hard search'? I don't recall doing…
When will a hard search show on my credit file?
Hi all, I am in the process of a mortgage application whereby a full DIP and application (hard-search) was completed on Friday last week (25th August). When will this update and show on my credit files? I use Noddle, Clear Score and have paid for the £15 Experian report just for this month (due to the mortgage…
Hsbc claiming i owe money when i have paid
Hello, I am new here so hoping this is the right place to post! Myself and my partner are gearing up to apply for a mortgage so are getting our finances straight and checking credit files ect, my partner has 2 defaults on his, 1 from Halifax which has been resolved and is being removed. the other is from HSBC saying he…
Newday Cards query deletion - success
Just to pop by with a success story - there were 2 hard queries from Newday Cards on my Experian file dated from January. Didn't expect to see them as I'd not applied for any new cards for a few years. A week after submitting my disputes, Experian have removed both queries - hooray! "I'm writing in relation to your recent…
Better to pay down revolving card or stooze?
Hi all I think my credit balance is what's holding my credit score back Is it more beneficial to use spare cash to: - keep balance on revolving card permanently lower? - pay down the stoozing card a little? Thank you:beer:
MSE Credit Club
I just signed up to MSE Credit Club. The dashboard states that I have 'N/A' chance of getting each of the different types of credit card and when I look under credit card eligibility, a long list of cards appears but against each is written 'no eligibility score'. Is this suggesting that I have zero chance of getting a…
A question....
I have a pretty good credit score. Only Experian mark me down for some reason. Now I know that Barclaycard are pretty thick with Experian - so my question is, if I take advantage of BC's zero interest transfers etc, which I admit I have done pretty frequently in the past, do they do a hard credit search on me every time I…
Amex on credit report
I have checked my credit report and my British airways AMEX does not appear on it. Does this mean my bank will not see it on a mortgage application?
My Experian report shows a 999 score is this right?
I signed up to the Experian report via MSE a couple of months ago and it's always given me a high score but now it's 999. Problem is I completed a debt management plan in April, I did completely pay off all my debts and have been debt free since but surely this can't be correct? I am getting slaughtered by my mortgage…
Credit Searches
Can someone (try) and explain my Equifax Credit search history to me please? Ny overview says I have five searches recorded, but I can only see three, maybe four (detailed below) Search 1 shows as a credit search and search type is opt in Search 2 shows as a credit search and search type is opt in Search 3 shows as a…
At what point is my credit rating affected
I am in the process of weighing up my response or lack of response to a parking charge notice letter from a debt company. My main questions is, at what point/stage does my credit rating become affected. I have read that only after i lose a small claims case, and im ordered to pay a company, and i fail to pay, i then get a…
Drop in score after opening current account???
Hello My wife has been slowly rebuilding her credit score after a messy divorce 7 years ago where the home was repossessed. She has a ClearScore account and has been taking things bit by bit, doing whatever it suggested in order to make positive steps forward. She now has a couple of credit cards which she is responsible…
Parking Fine CCJ - should it be on record?
Hi All I'm sure this will have been covered but there is somthing specific i am concerned about. I recently looked into my Credit Score to see where i stood against a possible first time mortgage, What i found was a CCJ enforced on me on the 8th August. I presume that details have been sent to my old address and i have not…
Difficult to get out of debt
Hi I wonder if anyone can help me. I currently have a £60k mortgage on £350k house, no other loans and 2 credit cards. One card I always pay off in full (mainly used for various expenses as I work away from home during the week) and has a credit limit of £2500, the other I have a balance on every month and is nearly full…
Credit score -cannot verify identity
Hi, My new partner has just tried to find his credit rating ( he had some adverse credit history in the past) but was turned down both by Noddle and Credit Club saying that his identity couldn't be verify. We checked all his details and tried for a couple of times but got the same result. Funny enough he has just got a new…

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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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