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Credit file & ratings

Archives for May 2018

Once debt have been cleared how long for credit score to improve
Hi there, I want to check how long it takes for a credit rating to improve. The reason I ask is I expect to receive a substantial amount of money in the next month or two due to a settlement, enough to pay for a deposit for my first flat and if required, some basic home improvements. So I'm keen to get everything in order…
Equifax account locked...please help
Hello Me and my partner are applying for an Agreement in Principle this Saturday for the second time. The first time we signed up to Experien free trial to check our credit scores then cancelled. The second time round obviously we couldn't do this so we have used Equifax instead. I registered fine and got my report. When…
Electoral Role - Worry
Hi, First time poster, please be kind as nervous. Seems to be lots of good advice on here, I have tried looking for the answer i need but have not been successful. Few years back managed to get myself into a bit of a financial mess. usual story, toxic relationship, probably depressed looking back and instead of facing my…
Increase in overdraft
My bank has just offered me an increased arranged overdraft limit Thy have raised it from just under £3k to £5k!! Although I very rarely even go into it (except in emergencies) Now I appreciate thy are VERY expensive but is it a good idea to take the increase offered for those “emergency” purchases ? I’ve just moved and…
Wife with no credit rating
Hi we have been married for 40 years and I usually do the banks, credit cards, bills etc, because of this my wife appears to not have any credit rating as we recently tried to take out a credit card in her name. We have shared bills, etc as she has income as i do too So, the question is - is there any way the credit…
Sky Mobile
I have been trying to search the internet in regards whether or not Sky Mobile is an irresponsible lender. Before I start I understand that I have took these out but there are circumstances, the point I want to make is that there were no safegaurding in place 26/11/17 - At a cost of £780.00 (£26 per month) 29/12/17 - At a…
Paypal credit- Can I Book my Tickets?!
Hello people of MSE! I started a new job recently yet payroll didn't action the correct bits on time, resulting in me having to wait an extra month to get paid. I want to use paypal credit to book an event that I was planning to get last minute tickets for as bots I assume got them all when they came out. Of course I have…
Improve credit rating/s
Hi, I am a long(ish) term member of this site so have read quite a few posts over the years about credit scoring, files etc so am quite aware. I am in a position where i am beginning to make a difference in the repayment of my debts and wondered how i should go about managing my accounts that no longer have a balance. I am…
Paying off a Career Development Loan but NOT showing on credit report
Hi All I am currently paying off a Career Development Loan with Co-op bank. I have been doing so for the past 2 years and have always paid on time. This Loan does not appear on my credit file report (I have checked a few: experian, equifax, clearscore). Should this be on my report? How can I get it added on? Surely as I…
Experian Statutory Report - Can this be right?
Well, it's taken me a week to get my Statutory Report from Experian after having to wait for a letter with a passkey and I've just downloaded the 'report' and all it contains is my name and address. No bank account, no credit card, no accounts with anyone else (utilities etc.) just literally my name. address and entry on…
wonga refusing to clean up mistakes
hi here are the facts of my problem: BR in september 2016 (wonga listed on BR) discharged one year later. have official PDF file of discharge. i noticed a couple of weeks ago that on one of the CRA files, well on two really, that a couple of companies debts on my BR where still applying monthly defaults (as close as april…
Credit file mix up!!
Hi, I'm hoping someone can please advise. I’m in the process of a DRO and I recieved a copy of my draft and when I checked my Credit references it has included some of my twins loans,cards etc. I am so distressed about this! I shouldn’t have access to my sister private finances and vis versa. That’s her business and it’s…
Vodaphone messing up my file
I transferred a line to my son on February so contract & bills are now in his name. Checked my file at the weekend & there is a late payment marker showing on the account that I transferred to my son! I immediately contacted Vodaphone but I couldn’t talk to the team directly. They said they will look into it but as far as…
Notice of Correction
Hi, I'm hoping someone can please advise - I received a default from Vodafone around early 2011 and then settled the account late 2011. I added a notice of correction to the default at the time basically explaining what had happened. It wasn't until 2015 I queried my credit file and it was still showing, fortunately…
Should I take the hit?
Hi everyone :) Bit of a weird one here. I am currently in the process of setting up a DMP as hit a point as a mature student being unable to pay all my debt. Made peace with this and fully planned the next 6 years considering there would be defaults etc placed on my credit file. I have however just been given an…
MSE Credit CLub
I have forgotten the password to my MSE credit club account and have been locked out many times trying to remember. The password reset email doesn't appear to work, I receive no email. I have no spam filtering on my email, so it doesn't go there. The creditclub@ email also gets no response when asking. Just wondering how…
Most reliable way to check credit score?
Hello! Having recently turned 27 I've found myself to be having a bit of a premature midlife crisis lol and have decided to get my act together and clear up my credit file and was wondering if anyone could help me with some questions I have :) . Can anyone advise the most reliable way to check my credit file to find out…
Someone's requesting my credit reports!?
I've had emails in today that someone's requesting my credit reports but it wasn't me. Is there any help on what I should do and who I should contact? I don't understand why they'd use my email address. Also today someone has been stealing from my credit card so I'm guessing the two things are linked. I've already blocked…
What is my home status?
Apologies if this isn’t the right thread to post this in - when my husband and I bought our house, we decided for him to buy it in his sole name as I had a default (which shouldn’t have been there but took a long time to sort out) and I didn’t want it to affect his credit score or our mortgage application. I am now looking…
Having trouble proving identity with some organisations
I've been trying to get various bits of info from various organisations sent to me to help understand why I've failed lots of credit/account applications but have hit a big stumbling block proving my identity. The organisations are asking for either passports, driving licenses or foreign-related IDs. I can't be the only…

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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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Credit file & ratings

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