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Credit file & ratings

Archives for November 2018

just moved house credit score
Hi, just moved house for the first time. i have lived with my parents for the rest of my life. my address has changed, i presume i need to change my electoral roll etc before i can get credit because my address and electoral roll will be different. any other advise for new home owners would be great too in regards to…
Black Horse Loan Secured Against Property
Has anyone had a problem with Blackhorse when falling behind on payment's which lead Blackhorse or any creditor for that matter to secure a charge/restriction against your property showing on the land registry title? And what seems we are told is the only way for the charge/restriction to be removed would be by making the…
Ex wife and joint loan
Morning everyone and thank you in advance for any help or advice I receive. It's truly appreciated. So my marriage has recently broke up. Ex wife done a runner with our son and I'm now involved in a rather ugly legal custody battle. We both have numerous separate credit accounts for various amounts. We also have one joint…
CCJ appearing on the registry
Hello all, I received a CCJ on the 8th November 2018, which appeared on my credit report (experian and noddle almost instantly). I work away for long periods of the year so when the original requests for the debt came through I wasn't around. To cut a long story short I paid this judgement completely on the 17th November…
My CCJ has been set-aside what happens now please?
Hi all Sorry there are so many posts on here so I know somewhere my question will be answered but hopefully as I cant see this as a thread it might also be informative to someone else I had my CCJ Set Aside in court on Monday 26th November - How do the court tell the company/s that hold the credit files to remove the CCJ -…
Mobile contract eligibility checker?
I've been turned down for a mobile contract today, so I won't have the new phone for Xmas :( I know I will need to wait for a while before apply again from somewhere else, but how can I know that I won't be rejected again?
Is applying for an overdraft a hard search on your credit file
If I already have a current account with no overdraft and I apply for the overdraft is this a hard search? Applying for a credit card leaves a hard search on your credit file Whereas Using an eligibility checker only leaves a soft search What would this fall into? TIA
Credit Club - Online card eligibility checker - 10/10 - rejected
Not sure how to go about working out who to contact to raise an issue with Credit Club - first a little background. I'm an ex-bankrupt from 2013 - and have been diligently working towards improving my status in recent years. I currently have a Vanquis card with a 2k limit - balance intermittently moves from zero to around…
Advice please!
Hi :) I currently have one default on my credit file which is due to be removed on January the 1st, at the present time I have a high interest credit card maxed out at £2900 and another lower interest card with a limit of £500 that I use regular and pay off every month. I also have a car on finance with £5000 left…
Owed money on a CCJ
I am owed money by a company that I have a CCJ against, is the CCJ automatically registered against them after a month or do I have to pay out more money for this to happen. They are ignoring all contact and have left the address listed for them so cant send the sheriffs in.
credit rating
after bankruptcy i am currently trying to improve my credit rating.bankruptcy started nov 14 discharged nov15. in 2011 i took out a credit card and after failing to pay owed a total of £890.this was one of my debts when i went into bankruptcy. the debt is still on my rating but shows a default on the debt every month in…
Credit score firm merger could be 'negative' for customers, says competition watchdog - MSE News
Experian’s takeover of fellow credit score firm ClearScore is likely to result in less intense competition and could harm the development new products, the competition watchdog has said...Read the full story: 'Credit score firm merger could be 'negative' for customers, says competition watchdog' Click reply below to…
Credit Club - Untaxed income
A significant proportion of our household income is not taxable (wife's pension below tax threshold, domestic solar & domestic RHI etc.) How do we include this in our credit club profile as it only asks for pre tax income?
Old account shows as settled in my credit report, still being contacted for payment? Please help!
Hi all, stupidly I made a few mistakes in my younger days, one of those was using payday loans. I’m much older and wiser now and thought I had sorted out all these problems along time ago. One of the companies I used years ago was called lending stream, as far as I’m aware I called them and settled the account back in…
Credit rating and company errors
My husband and I have excellent credit ratings but he’s just been declined for a £10 month mobile phone contract for our son. We think it’s due to an issue with an order with a mobile phone company on Black Friday where due to a website problem he placed an order twice meaning he’ll have had 3 credit checks in the last few…
Default notice - misinformed
Hi folks I have a home insurance policy with policy expert. I pay monthly, and premium credit manage the finance. I know there's 'no excuse' for missing a payment, and my credit history has always been clean but i am feeling somewhat hard done by by whats happened and want to know whether it's worth pursuing or if i'm just…
Poor credit rating after approved mortgage break
Hi. Last year we had to take an agreed break on our mortgage after sadly my mother in law died and my husband struggled to cope and was signed off work. He wasn't getting paid enough to cover bills so instead of just not paying it we contacted Lloyds and they where very helpful and agreed to help and we had a 6 month break…
Credit file wrong????
Hi all my first post, be gentle. A few years ago I was struck down with a rare disease that has limited my mobility greatly and prognosis is poor so I was too ill to work and am permanently disabled with full time care. I took a good look at my debts and contacted step change for advice, I took on an iva for a year but…
Ombudsman reply re endowment mis-selling
Over the last 2 years I have asked the FOS to look at our mis-sold endowment. We are outside time limits to claim but have evidenced what we believe are 'exceptional circumstances' that would mean that the 'time bar' does not apply. The ombudsman's latest reply asked if we wanted them (The FOS) to contact the bank, send…
Clearing debt and credit report?
Hi! In September I cleared off a large debt on a barclaycard credit card but it's still showing on my credit report as unpaid. When should I expect to see this updated and how will this affect my score?

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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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