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Credit file & ratings

Archives for January 2018

Mortgage with small CCJ please help
I am looking to move home but have a CCJ of £170 from an unpaid parking fine. I got the Ccj in April 15 as I was working abroad at the time I didn’t pay it off until June 15 (I now realise I should of attempted to get it set aside but was pretty naive and just paid it of as didn’t know I could do this). Other than my…
Credit Card Purchase Advice
I've been making small purchases on credit card and paying back in full each month in order to build credit. I've just put a holiday on my credit card which takes up £800 of my £1200 limit - will my credit score plummet dramatically because of this? I've just got onto good ground score wise and hope to move in a couple of…
MBNA/PRAGroup - Partial Payment/Fully Satisfied
Good afternoon all. I'm having a bit of a nightmare trying to work out what to do with some old debt from 2014 that I've had, and how to go about sorting it. The total amount of debt is £2402.93. They have offered settlement payments of either: 1.) One off Payment: £841.03 2.) Three monthly payments of £283.13 - Totalling…
CCJ help
Hi All, I've had a look through a few threads on here but couldn't find the answer to my question. I managed to get myself a CCJ dated 21/12/16, I have just paid the final instalment back!! i know that it takes six years to "drop off" my credit file but is that 6 years from today or from the date that the CCJ was issued?…
Bad credit advice for mortgage application
Hi all, First up sorry if this is the wrong place to post this - if it is if someone could point me in the right direction that would be great. Bit of background - around 3(ish) years ago I got into a spot of bother with my finances. I had a number of payday loans and was on a lowish income (16k pa) unfortunately my…
Credit rating advice for mortgage
I'm hoping to get a mortgage with my partner in the next 3 - 6 months and wondering what is best to do about my current credit card (I currently have an excellent credit rating on Experian, average-good on Equifax, my partner's is fairly average as he has never had a credit card). I have one credit card which is interest…
Credit Rating
My Step-Daughter is taking my wife away on holiday. Neither have credit cards, so I was thinking of asking my bank to issue a credit card in my Step-Daughter's name on my credit card account. This is so that on arrival she can hire a car, plus have security of funds to fall back on in case of any financial emergency.…
Can't get a credit rating ???
I'm struggling here as my son needs to have a guarantor for a new flat he wants to rent for his 3rd year at university. We had a similar problem for our eldest a year or two back and I had to sort it out with the letting agent personally so they would accept her tenancy. The kids are both students at different universities…
American Express Cheated me.
I applied a credit card with American Express. I did an eligibility check on American express website before applying for credit card with them. The check gave me a result of 9.5/10 chance for getting a credit card from them. Based on the eligibility check. I went forward and applied for a credit card and may application…
Lender ruined my credit rating
Hi all, Sorry if this is long, I'll try my best to keep it brief! I recently settled a PCP deal with a motor finance company. It was a 3 year agreement and was due to finish in November 2017. I was given the three usual options towards the end of the agreement; 1) Hand vehicle back 2) Trade in for another vehicle 3) Buy…
Accounts still reported
I've just signed into the MSE credit club to view my credit report. I've been rebuilding my credit over the last few years and it's slowly become decent again, but when I reviewed my closed accounts which had defaulted (x2), they had continued to update the account information long after the account was settled. For…
PLEASE HELP I'm so confused with my Credit Report
Hello all hope your well. First of all, id like to say sorry if I'm in the wrong forum, if so please direct me in the direction. as you might of guessed I'm new to all this, as in the forum stuff and dealing with past finances. I lost my confidents many years ago when i got hounded for an old mortgage issue in the USA,…
Does setting up direct debits help?
I have credit cards and catalogue accounts that I'm currently trying to pay off. I pay these manually each month on payday and change the amount I pay depending on if I can pay more that month. I also don't like the dates of the direct debits as they are all throughout the month so I like to get everything paid as soon as…
CCJ being removed and its impact
Hi all I have a fairly healthy history and the only negative thing i see on my report (checkmyfile) is a CCJ i got lumbered with about 6 years ago when i was running a business. However, it is coming off my file next month. My score is now 690, which i am told just a tad above the national average. So, my question to the…
Mobile phone credit checks
My wife has an existing contract with EE. We wanted to change so firstly went to CPW for a good Vodafone deal (better reception in our area). Failed the Vodafone credit check but told EE, O2 etc were ok. Phoned Vodafone direct and passed - offered a more expensive deal. Went to Mobilephonesdirect - same story, failed a…
Loan and debt advice ??
Hi all, First time posting here :) .! So to cut a long story short, 1 (almost 2) years ago my partner and I fell on a really difficult time, we lived in private rented accommodation in central london, that when went wrong, almost crippled us financially as our landlord was a jerk, then my partner had an accident at work…
Identity fraud on credit file
Hello, So. I checked my credit score, and noticed there were missed payments for an account I did not recognise. I contacted the company and they advised they could not removed the missed payments as they have to report the truth to the credit agencies?! I was extremely unhappy with this, I spoke to a few people and they…
CCJ on my file
Hi guys, newbie here and really need some help. I moved out the house which my partner owned July 2015. She still lives there I believe. I checked my credit file last week and I have a CCJ on it from Welsh Water. I have spoken to Welsh Water and explained to them that I moved out on the above date and can you tell me the…
Joining together credit report
Hi, Can anybody advise/share if this has been known before, I’ve got 2 credit files and there seems to have been a Mis-spelling. Does anyone know if i should put them together or keep them separate? Thanks :)
Credit file help please
I’m currently paying a debt collection agency for a joint bank account debt with my my ex that went £1000 over its overdraft limit. It’s showing on my credit file as a negative factor stating “you have had at least one account in default or repossession to (the bank)” Could someone please explain why is states this, even…

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MSE News

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.
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 Payments 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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