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Credit file & ratings

Archives for September 2018

Overdraft default and statute barred date?
I have a default on my credit file dated 6th November 2012 in relation to an overdraft. My limit was £2600 and i went over that without paying anything further into it. In 5 weeks the default will drop off my credit file, but i have just received a ltter from Intrum Justitia asking me to make arrangements to pay. I have…
Confused. CCJ/debt missing from credit report.
Hi. Can anyone help me solve this please. My husband had a CCJ issued in May 2007 for a single large loan. He was ordered to pay £5 per month, DD was set up and never missed a payment, and over the years it has been paid. Now we have just ordered a credit report online and CCJ is not on there (expected) but neither is the…
UKPC CCJ affecting credit, What can I do? Please help!
Mortgage application
I’m looking to put in a mortgage application with my partner in around 7-12 months time. My credit is reasonablaly good now but was bad in the past. I have a credit card credit limit is 2400 and I pay off in full every month. I have one CCJ dated 2015 - satisfied March 2018 (didn’t know about it until then) Late payment…
How can i get a credit score?
I've been with my bank for a few years now and they sent me a letter offering loans for as little as 3.5%. This seemed too good to be true so i rang them up and they quoted me 20% because i have no credit history. I buy everything with my own cash as i hate paying interest on things and i am very frugal. I am looking to…
Possible fraud
Hello, I received a new debit card in the post today, from my bank (Halifax), with my name on it, my sort code, but an account number I didn't recognise. I haven't applied for any new accounts recently. I phoned Halifax and after a long wait on hold they said this appeared to be application fraud, and that I'd need to wait…
CIFAS / National Hunter
Hi all, I need a bit of advice. I recently done a Subject Access Request with National Hunter and CIFAS. Sadly I have an entry on CIFAS that is legitimate due to my misgivings whilst I was younger. On the form the application date is 11th September 2008 and Date Recorded: 11th Sept 2015. This was my entirely my fault as…
Is this causing me issues?!
Hi, I was in a DMP which I have now paid off early - happy days you might say but I'm getting refused for credit (car loan/overdraft) which i was hoping to get to boost my credit report. I have a capital one credit card which is being used for fuel and paid off in full by direct debit every month. One of the creditors on…
credit utilization question
Trying to figure out if having a low utilization is better than having less total credit when applying for a new credit card. Maybe it depends on the card applied for? For example, I have following credit limits and balances: Halifax Clarity-£5900 limit –-- Balance £0 M&S Credit Card -- £4000 limit –-- Balance £3200 Tesco…
Default
Hi I’m after some advice about a default notice Link financial have added to my file. Long story short this relates to a credit card I had with coop bank. For a variety of reasons I forgot to pay a small £70 balance off. I have no issues in paying this. However coop loaded the account with about £40 fees for missed…
Set aside ccj meaning
Hi there Can anyone explane to me what actually means to set ccj aside? I have a ccj on my old address and I understand that I need to set it aside to remove from my credit file. But what will happen next? If its agreed by judge will it be removed from my credit file and does it mean the creditor have to send a new claim…
CCJ Compensation
I recently had a CCJ set aside for a parking charge notice. The thing is, the CCJ was initially sent to my old address so I knew nothing about it until I was refused credit for a purchase whilst I was on my holiday with my daughter. I was very distressed about this and the fact that the ccj was sent to my old address…
Fraudulent activity through Vodafone
Hi Guys, I’m hoping someone can point me in some sort of direction!! I have found out whilst trying to remortgage that i have an “outstanding debt” with vodafone of £7,666! Yes you read that correctly! £7,666!! I obviously phoned vodafone and as i cannot pass security on the account (as clearly i didn’t open this account)…
Applying for Credit Online Times Out
I am trying to buy something on the Apple Store website using Barclays Finance. As I am running a business at the same time, my application has timed out twice. I have had two emails from Apple saying that I was declined credit so the sale has been cancelled. That's fine, but does this count on my credit file? Should I try…
Rebuilding credit score
Hello! I have a really simple question (I think... :-D )! I'm about to embark on rebuilding my credit score after a debt management plan with a high-interest card which I got through one of the articles on this site. Now, it says to spend then pay off in full every month, which is fine. I get that. However, does it matter…
PCP Voluntary Termination concern
Dear all I am hoping you can help me with my concerns and assist me on selecting the best option. I have recently been successful in starting a new job. This includes a company car. I did not select the company car at first as I would use my own but for convenience I have now ordered one. My concern is my current car is on…
Vehicle recovery company threatening me with a CCJ?
Hey guys, I've just signed up because i'm being threatened with a CCJ and wanted to know where I stand. I have breakdown cover for my car. The recovery company i'm with acts as an agent and subs its work out to other companies. Recently I had a car that failed to be recovered due to being 'unroadworthy'. I was informed by…
BT and default that they claim I do not owe?! Help please
Hello, I am being passed around the houses a little with BT and not so sure what to do next. So in preparation for applying for a mortgage I have managed to clear several defaults, which now means I do not owe anyone other than my current credit card, which is used and paid in full each month and my car finance hp…
Credit club/experian/Gov sign in
hi there, With the Experian site you can also use your info to sign into the Gov.uk site but with Experian through the credit club you cannot do that, anyone know how or if it could be arranged plz? Many thanks :)
Error on Credit Report
Hello MSEs, I'm new to the forum, I apologise for any breaches of forum etiquette that I may make unintentionally as I become accustomed to the forum. After recently signing up to Experian I found that an erroneous financial link had been added to my credit report by Landmark Mortgages. My deceased father had a mortgage…

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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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