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Credit file & ratings

Archives for December 2018

Default should have dropped off
Hiya, I defaulted on an account which will drop off my credit file this month. I am still paying the debt. I just went onto clearscore to look at my report and it says from next month: A credit agreement will be removed from your next credit report See details A new credit sale fixed term will be added to your next credit…
Sudden appearance of electoral roll historical data that's not me
Bit of an odd one but I'm currently in a DMP and trying to stay on top of all payments/debts and info to start rebuilding credit rating for my distant future self. So I check my credit file fairly regulary as not all creditors report defaults consistently (highly frustrating) So I check a week or so ago and an alert popped…
Economy Energy came out with debt out of nowhere - how would it affect my rating.
I was with Economy Energy and left them. To get my money back I had to use the help of Ombudsman. 1 month after I got my money back I received and email that they did a review and I owe them over £400. I did receive just amount to pay without any attachement, bill or explanation where did the magic amount came out from. It…
Credit ratings ruined by fraudulent IVA's!!
A very long story cut short, in 2015 I applied for a joint IVA with my wife to Knightsbridge insolvency. They said creditors had rejected the proposal however an IVA could be made in just her name. I noticed in 2017 they had actually registered an IVA on my credit file and after an issue arose whilst trying to sell our…
Cifas cat 6 marker help
So when I was 16/17 I foolishly gave up my card and details to someone who I went to school with who I considered a mate being told that money would be put into my account , i know now that this was stupid and I was just used as a money mule at the time I didn’t realise the consequences as I didn’t have no money or…
Do banks know scores are meaningless??
Hi all Just been on an online chat to a Barclays representative and was very confused when they started talking about credit 'scores'. Conversation (regarding this part) as follows: **** Peter: While I do this, may I ask what your credit score is and have you been through any recent credit applications? You: Scores are…
Unsure about credit file
I would like some advice/information regarding CCJ. Phone provider debt which I defaulted on, default date on credit file is: 28/09/2016. The debt was sold on to Lowell at some point, I never made any contact with either parties since the default date. Checking my credit file this week I noticed Lowell, had obtained a CCJ…
HSBC, Managed Loan, Cabot, Credit Rating - advice sought
Dear all, I am new here and was looking for some advice on an issue I have with HSBC (and now Cabot). Let me explain. For the last two years and a half years I have succesfully been paying my HSBC managed loan (value of approx. £4,200 when issued in 2016) without issue. However, in June of this year I was late with a…
Unexpected CCJ
In 2014 I entered into a Tomlin Order with Bryan Carter Solictors who were acting on behalf of Lowell for a debt relating to Lloyds bank for approimately £2000. The monthly amount was £50 which I paid on time for the first 22 months, the last payment was made in February 2016 using the payment system on Bryan Carters…
Selling of Debt and now a CCJ
HI all, I've been re-directed to this forum after posting something in the Parking Fines section that then transpired to be an old Welcome Finance Loan for a car. Full thread is here - forums.moneysavingexpert.com/showthread.php?t=5940249#topofpage Sorry as a new poster I cannot put it as a link Any advice or info on how…
Removal of defaults - Myth?
Hi, I recently made a post regarding a removal of a default from my account, earlier than it should of been, because the company has agreed to this ( I no longer owe money to them , therefore it's not impacting them, they agreed to get it removed, which will update within 28 days) My question is, Is there a way to get more…
Bad Credit Rating for paying off CC
I have a Tesco credit card that I use for pretty much every purchase during the month. This enables me to collect Clubcard points. However, because I use it for everything, I sail close to the credit limit, and pay off the balance in full each month. Having checked my credit file, I see a "negative" because I am pretty…
Consolidate cards, cancel and settle card
Hi, I have for months had a card with CapitalOne. Recently I applied for and was approved for a second card from CapitalOne. After a couple of weeks I decided not to keep the latest card. So, I consolidated balance and credit limit to the oldest CapitalOne card and cancelled the latest card. On my credit file it says this…
British Gas passed on debt - now shows as new debt on credit file
Old debt with British Gas would have been defaulted for 6 years by December 2018 (it is my understanding that debts drop off your credit file after 6 years of default with no contact). However, in June, they passed the debt on to Lowell, which now appears as a separate account on my credit file. It states that the account…
Late payment with virgin - getting it removed
I am applying for a mortgage very soon, and have checked all my credit files and noticed a 'late payment' on an old Virgin credit card that I no longer have. Numerous calls to virgin to dispute this as at the time they realised it wasn't my fault, they tried searching for the call I made to them in December 2017 but…
Cifas Marker And Closed Account
I have especially made a naccount on here in order to ask for advice of what to do regarding my situation. I have little to no knowledge of bank terminology of what steps I need to take in my position and almost every personal banker I have discussed this with has told me "there is nothing that can be done". After a lot of…
Finally Debt Free but hoping to amend default dates on credit report.
Hi everyone! I am new to this forum and want to start my first post by wishing everyone luck on your debt journeys. It has taken me several years to finally pay off all of my creditors and I am so happy to report that I now have £0 debt! I have scrimped and saved wherever possible and have also worked many, many overtime…
Equifax and Experian totally different
Hello all, I'm new to the board and new to the concept of credit scores and reports. I was hoping to ask for the forums sage counsel and impart some knowledge on the I am having with getting a credit score. So, I am currently looking at getting a mortgage and I am trying to do some background research on what is the best…
Bank closed my account without reason
Hi I switched my bank accounts for the switch bonus After the switch was complete i tried to use my new card but it was not working so i asked my new bank what is the problem so they told me that they refused me. Now i dont have any bank accounts anymore and my money what was in my account is lost How much compensation can…
MSE Credit Club - unable to show Experian credit report
Hi I've been a "member" of the MSE Credit Club since it started but it's been unable to show my (detailed) Experian Credit Report for a few months (it says try again later). I am logged in, I can see my scores and the higher level info on the Credit Club pages. I can't see any contact info to report this and ask what's…

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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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