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Credit file & ratings

Archives for December 2018

CCJS and credit score HELP!
Hello, This is my first thread on here and I am really hoping I get some good news!! My partner of 4 years has got 2x CCJS against him - one is for £850 (Credit card- Ex wife maxed out and he didn't change the address on it so weren't informed until too late!) the other £550 (Mobile phone related) The 2 ccjs have been paid…
Advice on 1 late payment
Hi there Im new here and looking for some advice. I have make a mistake with a credit card and now have 1 late payment showing. Basically I have 2 cards from one provider - I have never used one of them so don't have a direct debit set up on it. Anyway, I used it about 2 months ago but didn't make a payment as I thought it…
Property repossession - non-payment markers mortgage
One more question for the learned community - following a bankruptcy - my property was repossessed and sold in order to raise funds to pay off the outstanding debts. (Understandable of course.) I paid my mortgage diligently up to and including the month of repossesion - at which point I informed the mortgage company that…
I would welcome advice on an unknown CCJ
In 2013 I filed for bankruptcy, and all went relatively smoothly considering. My property was maintained over the following years until the administrator decided to sell it to raise funds to pay off the debts. All understandable given the circumstances. In 2015 I officially vacated the property and moved back to my parents…
Changing Credit Cards
Sorry new here so don't know if I'm posting in the right place! I finished uni this year and got my first credit card in september. Since then I pay it in full every month, have registered on the electoral roll and my credit score has gone up by over 70 points! Because my credit score was so low (no credit history) I could…
Debt Collectors forcing me into CCJ
Apologies if In wrong thread. Background (I know I have been screwed over in first place but sort of a bigger issue to deal with before contacting them) Took out a quickquid payday loan in 2014. They offered me to keep extending extending till I couldn’t manage it. Defaulted - set up a payment plan via CPA they started…
How To Dispute Default On Credit Report
Hi Everyone, I have a default listed on my credit report from a shared house I lived in years ago. I moved out in 2011 (nearly 8 years ago) and as far as I knew I owed nothing for utility bills. I learned some time later, that the tenant responsible for the gas bill hadn't been paying it (we all paid him in cash while we…
I want to check my credit score but I have done this before and got bombarded with letters
Hi I am wanting to check my credit score and I am worried that I will get bombarded with debtors letters. This has happened to me many years ago when I did a free credit score check. I have mental health issues and am under the care of a mental health team. I am really paranoid that if I run an Experian or likewise company…
Help! Preparing for the 1st mortgage
Hello all, I have £47,500 available as credit on 5 credit cards. I’ve had all 5 between 4-5 years. They all have £0 balance, I applied and used them all one way or another along the way to build my credit, get the initial bonus or use them abroad with no fee. I’m now in the excellent category with all three reference…
Complaint regarding Default Date
Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually…
Improving Credit Rating/History for mortgage
Hi all, I know this has been discussed countless times in the past, but I feel i may have read too much and am now incredibly confused about how to best proceed.. Basically, I am in my late 20s and trying to come up with a ‘plan’ of how to most efficiently/effectively improve my credit rating to get a mortgage within the…
Credit score and debts
Hi I am trying to solve some problems with a lot of debt that I have, and was wondering if you can help with general information. I have over 20k of debt, going back years and am trying to pay off what I can, in the order that costs me the least, and have quite a lot of interest frozen. Most of the debts I am paying £1 a…
Protecting Credit Files
Hi All, Wondered if anyone had any ideas or suggestions. I’m looking into ways to stop people accessing my credit files. I understand I can password protect my credit files and also register for CIFAS protective registration. However I’ve got a few queries in general 1. What information exactly can someone gain through a…
Default correction - Advice needed
So.... went to renew mortgage product (on a second property BTL), broker found really good deal, went to put it through and it was declined. Turns out there was a default file on credit score from 2016 - on both mine and my wife’s - we were not aware of it (from Welsh Water); it had been settled but no one had said it was…
Full and final settlement and mortgages
Hi, first post here, after some advice. Im wondering what the implications are for making a full and final settlement offer to Lowells regarding getting a mortgage. I recently received debt collection letters from Lowells regarding a BT broadband account I had in 2015 (3 and a half years ago) at an address I didn't stay at…
Credit rating improved but match maker showing only cards for poor credit history
Hi All, I had quite few defaults on my credit file which all remove on second week of December. ( I still owe the money and paying to debt collectors but my file is clean now) also my score jumped by 250 points and is very close to excellent rating. However when I use Experian or Noodle credit matchmaker its only showing…
Set Aside whilst living abroad?
I have found out I have received a CCJ a year ago but moved abroad approx 2 years ago. I will apply for a set aside. Can I put my Portuguese address on the N224 form?
Charging order
Sorry - I don't know if this is the correct space.... Does a charging order have to be served in person?
US v D
Good morning, I have just looked on my credit file, and I can see I have one account which has various states on it. They are D (Default) and US (Unknown Status). What is the difference in these two states regarding statute barred? Thank you.
Mortgage not showing on Credit reports
Good evening, I have recently got a mortgage through Halifax and completed on the 26th October. My question is...Should the mortgage be showing on my credit report? I have checked all 3 agencies and its not on any of them. The credit search is on there for when I applied for the mortgage. Does it take a while for them to…

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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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