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Credit file & ratings

Archives for December 2018

Help with negative on my credit file!
Hey there, I am rebuilding my credit and have a negative applied to my account from a phone contract I had agreed with Vodafone back in 2013. After contacting Vodafone I could not gain access to my old account having supplied as much detail as I can from 2013 and i am told they cannot find me anywhere on their database. I…
Moved House
This weekend I failed the Vodafone credit check due to moving house. I moved in February 2016 and have therefore not been in the house for the required three years. I was at my old address for 30 years but when I sold the property it was demolished to build two properties. The house name therefore does not appear in the…
MSE credit club
I’m confused. Received my latest credit score which is very good- nearly excellent. My chance of getting a credit card is something like 77% but states that credit card and loan areas are “very weak” Tried to find out why and it says something about poor affordability but we have a decent disposable income?? Also how would…
ID Mobile Credit Check
I bought a sim only deal several months back without issue. Tonight I wanted another sim for my son so had to go through another credit check. This failed, but I have checked my experian rating and that is 984 out of 999. I own a house, mortgage free, have two credit cards both with zero owed, have never been turned down…
Default removal confusion.
Hello everyone, I have recently been speaking to a financial advisor about buying my first property, I'm self-employed so was worried I'd really struggle but my IFA thinks that my books look good and I should be able to get a mortgage based on them. Good news! I've had clearscore for a while and whilst I know the score…
Which debts should I tackle first ?
Morning MSE, I’m painstakingly trying to clear off my credit file to Hopefully apply for a mortgage 2020. I currently have : HSBC Credit cars £5,006 repay £125 pm Tesco Credit card £1,600 fee free no repay at min Barclaycard £950 repay £50pm Lloyds bank loan £4,980 repay £205 pm Lendable loan. £4,900 repay £165 pm Car…
Rock bottom zero credit rating
Hi all, newbie I'm afraid so please be gentle! I declared bankruptcy in July 2017 through a specialist firm (which I'm happy with) and was discharged July 18. I don't know what I expected but post discharge I felt depressed. My assisted bankruptcy "guy" suggested getting a credit card once my discharge had come through and…
Trying to restore my credit file/rating help
Hi guys, Need some advice restoring my credit file, currently have very poor credit rating 520 Experian and 241 ClearScore. Basically was out of work in 2015 for 9 months approx, during that time was unable to pay my car finance and other payments including a planned overdraft through my bank current account. I didn’t have…
Minimum Payment Marker & Promo Marker
Hi, Just wanted to confirm something. I've currently got two cards that are on a promotion (one is 0% purchases and the other is 0% BT). So what I've been doing is paying minimum payments on both of the cards. Once the respective promos are finished, I will pay the balances in full. I can see minimum payment markers via…
Satisfied CCJ
Hi There, I was hoping someone can clarify this for me. I had a CCJ which is now fully paid and this has been paid after the 30 day period. I have sent an email to CCBC @ Justice to show that the account is now fully paid and closed this also included the original credit agreement number and the court Reference number. Now…
Confusing Credit Score?
I've read a few threads and heard credit score doesn't really mean anything, I used to be on Experian with a great score then all of a sudden they couldn't verify my account saying the didn't have enough information to give me a score? Anyways I sorted that out a couple of weeks ago by going onto the electoral role and I…
Default coming off account in April - Worth waiting?
Hi All, Looking to buy a house soon, I have a decision in principle from my broker. I have a single default on my account from 2012 (£135 total value for a phone bill I forgot to pay, annoying but fair enough). Is it worth waiting till April, when the default comes off my account before applying for a mortgage from the…
A CCJ on my file BUT it's already been paid
Hi, I have a CCJ on my credit file dating 26 Feb 2018 from an old phone contract, however I paid the amount owed to the phone company in full on 19 Feb 2018. I still continued to receive letters for money from Lowell as they were chasing for the remaining £170 interest that they wanted which I then paid in April 2018. Is…
Help with a company reporting a credit search
I recently applied for credit with Creation finance for a product on Curry’s/PC world. Initially it stated it would conduct a soft search for eligibility, I proceeded and was declined it stated they checked Equifax and provided there details to find out more. They conducted 3 soft searches with Equifax, 1 being misspelt…
Unable to Login
OK so I lived in Australia for 3 years and came back in April. Understandably I have issues registering for experian ect when I first arrived and this took a few months. I now have access to experian and noddle, however cannot gain access to credit club. Surely the information that experian already use for me would be the…
In process of disputing default with Lowell, require proof of address
So to cut a long story short, I'm disputing a default placed on my filed by Lowell (purchased from Orange/EE) for multiple reasons. The default is regarding an account opened in my name almost s decade ago and I'm making a bit of headway whilst they investigate but they want proof of address and specifically asked for a…
Thought I'd got a fresh start now struggling
I'm at my wits end trying to pay off my ex's debts since we split, I've been lumbered due to joint and several liability and have taken full (albeit with a large dose of annoyment) responsibility and started paying it off. It's not been easy as my ex was abusive and took all my mail for years, didn't let me work and due to…
HSBC Default removal / Partial settlement?
Hi, I'm new to all this so sorry if I waffle firstly! :) Bit of back story, I got myself into some debt years ago and contacted Stepchange who arranged a DMP to all my debts, fast forward few years all paid off and complete. However I am trying to apply for a mortgage now and HSBC have marked my credit report, they have…
Help - CCJ!
I have a debt with Lowell (£434) regarding a store card that was taken out in 2011. I was made homeless and unemployed in 2012 and didn't pay the bill. I made contact with Lowell in 2015 and told them that i refuse to pay for the debt because the majority of it was interest and late payment charges. They accepted an offer…
CCJ Surprise - Car Accident - Help needed
Hi all, Here's my story: A few days ago, I have applied for a mortgage (first time buyer). Unfortunately, my application got rejected despite only 1 week ago having a perfect credit score (999 on Experian). I have then logged on to Experian, and nearly fainted as my credit score was all of a sudden showing as very low.…

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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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