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Credit file & ratings

Archives for November 2018

Set aside CCJ
Hi, Apologies for a long post but I feel that I do have to put all the details in. And hopefully I have posted it in right forum... Long story short: I have had a car accident and it was my fault in Dec 2012. I was driving a car registered in Poland and it was insured at AXA insurance company… I have obviously gave all…
Credit score jumping from 730 to 900 in a month
Hi, My wife'scredit score (as shown in the MSE credit club) jumped from 730 to 900 in a month. I believe this is an error because nothing has changed. We only arrived in the UK one year ago, she doesn't have any credit. We checked her credit report and there is nothing new, it's mostly empty. So I'm wondering, could it be…
my credit history
i have recently tried a ppi claim with a claims company, they told me i possibly had ppi policies, they was able to find out my account numbers for an overdraft i had in 1990, loans i had in 1995, 1996 and 1998,and a credit card from 2001 but they never told me who i had the accounts with, i have now sorted the account…
Noddle incorrect data
My credit report on Noddle is showing my Santander credit card statement balance as £5 whereas the true balance is over £5000 and has been for several months (0% interest BT). The account balance is being reported correctly. In addition, my report on Totallymoney.com is showing my balance as £5 and reporting that my zero…
Noddle appears to be updating weekly now, but FAQ's still say monthly
Has anyone else noticed that they now get weekly updates on Noddle, the last updated date is always within the last week. I keep seeing "report will be updated in 5 days" or "3 days" and I keep thinking well as it is only updated monthly I'll come back then, but now I've realised they've changed to weekly updated. This is…
Credit Searches and New Job
Hi folks, I am totally panicking here. I have had credit searches conducted for broadband recently with a couple of providers as one of them went wrong. I applied for a mobile phone deal this morning and was subsequently declined I’m assuming because of too many searches. I have a mortgage with missed payments, significant…
Nationwide Flex Account Opened in 1990 causing issues with credit
We’ve had a Nationwide Flex Account since 1990 and have always had a really good experience with it. However in the last 6 months we applied for a loan through another bank (that we have held a credit card with for many years) and we had to provide evidence that our Nationwide Account was legitimate. I queried this with…
For those who panic about credit score
I’ve never really paid attention to my credit score but I have with my data. Checked my credit club report and woah the score is 999 but strangely my loan affordability is low and my credit card affordability is medium. So if I really had too score surely that would mean both loan and credit card affordability would be…
Shop Direct Finance removed from credit report?
Hi, So just a little confused. I’ve not shut my account down or anything, but on both my Experian and Equifax credit reports, Shop Direct Finance has been removed, it is still appearing on call credit. There is no balance and the account has been open around a year and a half. Has this happened to anyone else? Does anyone…
Post Office Credit Card Payments
I think any credit card I’ve had including the other 5 I currently have, always take the payment on the date that they say they will unless it’s the weekend. Post Office seem to be the exception. This months payment was due on Monday and still hasn’t came off. It’s not unusual either for the payment to show as having been…
Advice please on impact of paying defaulted debt
I've been in dispute with a utility company about what I consider to be an erroneous charge relating to a long-closed account with them. We've now reached the position where they have posted a default status with Experian and this has adversely affected my previously excellent score. I am uncertain whether to go on with…
update after paying
Good morning Ive paid all my debts of this month as followed :- overdraft :- 5k Barclaycard £ 3,900 Creation Consumer Finance LTD £ 2,844 Hitachi Capital Consumer Finance £ 1,937 Creation Consumer Finance LTD £ 574 Shop Direct Finance Company LTD £ 1,159 aso had a ccj removed due to wrong address so thats paid and gone…
3 Mobile Credit mark costing me a mortgage
Hi, Wondering if anyone can help with some thoughts here on next steps. I bought a SIM card from 3 mobile in branch, and took it back the following week, and was told in branch account cancelled OK. At the same time I had a mortgage approved on a help to buy scheme and credit report was fine. Three weeks ago, I went to…
Link Financial
Hi All My first post and I'm wondering if anyone can help. I defaulted on a Barclaycard at the end of 2016 and the debt was sold on to Link Financial. I agreed a payment plan with Link and I've not missed a single payment since. I've been working hard over that time to get my finances in order and I've managed to improve…
Blackmailed over fraud, in a state, help!
Hi I am in a real state, my ex (who I was with for all of about 5 weeks!!!) has messaged me saying that someone has set up 4 accounts in HIS name using MY address and phone number. He says its me and he's reporting me to the companies and police for fraud. He was always at mine so I let him use my address, I didn't see the…
£1008 in 5 days or 6 year default. HELP
Hi There, I’m looking for some advice about my current situation, I will try to keep it as brief as I can but it is a long story, and I am aware the fault is my own, I would just appreciate some advice on where to go from here. For the last 2.5 years I have been on a working holiday in Australia with my girlfriend. When I…
electoral roll
So recently been applying for mortgages with my girlfriend, we have now been accepted and going through all the stages.. However when L and C did my credit checks ect they where telling me I’m not on the electoral roll... which was very strange as I have voted since I was 18.. (I’m now 22) Since getting this news I…
Close Vanquis Credit Card
Opened up a Vanquis credit card around June 2018 and it has been 4 months since then and I have built up some sort of credit history. Anyway, I am looking to cancelling it as it has an APR of 59% which is ridiculous. I barely use it for this reason. I am thinking about cancelling this card because I've got 2 other credit…
To keep / Close Or?
My credit file is slowly improving. I did a DRO in 2015. I had three credit cards, Capital One (£700) Capital One 2 (£750) both 34% APR and Tesco Bank (£1200) with 39% APR. I ran up some debt, ending up paying some interest on all three, but didn't default or make a late payment (thankfully!) I decided I am better without…
Scottish power default?
Hello there, just after some advice. Ive had an on going issue with scottish power, i changed poviders to utilita at the end of 2016 i then had a final bill letter from scottish power, i contacted them over and over and they keps saying i owe the money, in the end i said id contact citizens advice first then they said it…

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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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