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Credit file & ratings

Archives for October 2018

Student Overdraft - Credit Rating
Hi, Did you know a student overdraft affects your credit rating? I have a £1500 overdraft and have been using it to buy food, travel expenses etc. Last month it was -£1,100 balance. If I bring the balance back to 0 every month, will this improve my credit score? Is it definitely the last day on each month I should do this…
Admin review and money laundering search
I have just checked my Noddle report and somewhat confused to the following searches from Vanquis and 118 118. I have never contacted them for credit and concerned why they have appeared on my credit file. Any ideas please. Vanquis Bank Limited (Sa Sr, Ct, Tac, Cval) Vanquis Hdd (Ar Api) Administration Review 31/10/2018…
Lowells Solicitors - Letter of Claim
Hi Background is I took a Vanquish Credit Card out back in 2010, I lost my job and attempted to use the payment protection plan I was forcefully sold, when took the credit card out. Vanquish declined the claim and said I was not entitled to payment of the minimum payment whilst I found another job. So I didn't pay and…
Mse credit club
Hi does anyone know if they’ve managed to sort the registration gliches to be able to sign up for the credit club yet? Thanks
Old Vodaphone Debt
Hello Folks! I have check my credit score, however there is an old vodaphone debt dating back from 2014 - however, I've had no correspondce about this and when I tried to contact vodaphone about this they have no record of it anywhere and its just sat there with numerous defaults! Can anyone provide advice about this?!…
Capita employee benefits?
I've had soft searches on my credit report from "capita employee benefits -ctds" but I don't work for capita? The searches seem to be under my maiden name and current address. As far as I know I've had no dealings with Capita in the past, well not as an employee. Does anyone know what this could be in relation to? I would…
Finance taken out without my knowledge
A few months ago a friend asked if i could make a payment for them with my card as they didnt have enough in their account for their car insurance if they gave me the cash which i did. I then recieved a letter a few month later stating about a missed payment on my credit file and a default notice. I phoned creation finance…
Wrongful default
Hi there, I am currently in the process of looking to secure a mortgage. Before applying, I checked my credit file and there was a default on there for a Shop Direct account which has been passed to Lowell Debt Recovery. This default was added on to my file in August 2018. I moved house on 1st February 2018, called Shop…
Electoral roll letter arrived but not my name
I’ve lived at my address for 13 years and today a letter arrived from the electoral roll , for a random mans name suggesting he lives here What’s the best way to deal with this letter? Husband suggests it might affect our credit if we don’t sort it, is that true?
Clearscore Questions question
After trying to register with MSE's Credit Club and it not finding me (I don't know why) I registered with Clearscore and they found my details no problem. However, there were a couple of questions they asked that I got a bit worried about. It asked about addresses and mobile phone contracts etc that I had and to verify…
Hard Search made by Atos
Hi there, I'm a newbie to the site looking for some advice. Hope I'm in the right area, apologies if not. Today I signed up to Creditwise through my Capital one account and whilst looking through my file I noticed a Hard Search was made on the 12th June 2018. It's listed as a 'Director Credit Search' and was made by a…
Rebuild credit score after PDLs
Hi, I’m looking for a bit of specific advice as everything I can find regarding credit scores seem to be rather generic. I was quite silly with money when I was younger and got myself in a pickle with payday loans, I buried my head in the sand and it took longer than it should have to pay them off (including a DMP). I am…
Ccj error
Just wondering if I can dispute a ccj from 2016. I had an ee account in 2013 that I never paid yes my bad and way i moved address in 2014 but still collected my mail from there. Any way checking out the ccj the address is from a place that I moved out of in 2007. I contacted Lowell and asked why they used that address and…
Boost for tenants as rental payment info to appear on credit report
Hundreds of thousands of tenants could see their credit score boosted as their rental payment information will now be included on their credit report. Read the full story: 'Boost for tenants as rental payment info to appear on credit report' Click reply below to discuss. If you haven’t already, join the forum to reply.
Incorrect Financial Associations on Credit Club
I signed up for the MSE Credit Club and most things look okay except the financial associations. There are 15 associations in 2 groups. One is my wife's name with the right date of birth that has 3 records, one is my wife's name with the wrong date of birth (1929 so not even close) and it has 12 records. When I click…
Can't access CreditClub or make balance transfer!! :(
Hey, I am new to all this credit stuff and don't know how to fix this problem! Please help! I have been locked out of my MSE Credit Club account, I believe due to some issues with my address. All my mail (including bank statements etc) goes to my mothers house. The reason I send all my mail to my mothers is due to the…
6 Year IVA coming to an end
Good Afternoon fellow MSE Fans. I am just about to embark in a monumental time in my adulthood, where my 6 years credit history blackmark for a IVA is about to end. I actually settled my IVA around 4 years ago, but alas the black mark sticks for the full 6 years. What will i need to get the history wiped clean from my…
How do I dispute my credit score/file?
When I was 17/18 I opened a Barclays bank account, at the time she managed to sell me on tech insurance I said sure. Granted I was unemployed.. I had no idea it would continue to be taken out my bank when I had no money in my account. A long time passed after loads of missed payments on my file and early this year I…
Residential status and credit
I live in work accomodation. We moved in last month and I intend to register on the electoral roll at my current address. We also own a property elsewhere which we are thinking about renting out. We don't pay any rent for our current accomodation. When applying for credit in the future, we will not own the property of the…
Help I have ccj
Hi and thanks in advance for your help.... I posted this In loans but can't work out how to delete it from there think it's better suited here... Today I checked my full credit rating and discovered I had a ccj on it from 2016 At the time all documents were sent to my parents house and my dad signed for it as he also has…

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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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