We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit file & ratings

Archives for February 2019

Defaults
If an account defaults, as an example in 2013. Then each month from April 2013 to February 2015 shows a red default marker on my credit file. February 2015 being the date the account was satisfied and paid off. When does the default drop off? I was under the impression it's removed 6 years from the date of default yet it's…
Sums in arrears vs default
I foolishly forgot to pay my credit card payment in January of this year. As soon as I got the notice, I paid the minimum amount for the month and set up a direct debit. This was purely an oversight, but I didn't realise I was still £8 in arrears. This morning I received a notice of sums in arrears. I have immediately…
credit card refused & credit score check
Hello, My wife is trying to build her credit scoring and we went through the credit card eligibility calculator on MSE, she was eligible for some cards. However, she applied for a tesco credit card but was refused which I presume will leave a negative mark on her credit score. Do we need to wait a while until we can apply…
False bad credit rating
I have a credit rating problem which came to light last year when I tried to arrange interest free credit for a couple of new sofas from Furnitureland. It's caused by the odd way Vodafone operate discount on my SIM only contract. Two years ago I threatened to leave them as I could get a better deal elsewhere, but they…
Loan name change before final settlement
Hi My wife took out a loan before we got married to help us with the wedding costs. She’s never changed the name on the loan and it’s not showing on her credit file. We’re going to settle the loan early and we’re wondering if it’s worth changing the name to her married name, beforehand to see if it can be reflected on her…
Going abroad/Credit rating! - using relatives address for electoral roll?
Hiya I would love some advice if anyone can help as I don't really know what to do.... I'm just about going abroad for 10 months travelling. I'll be giving up my current flat so won't have a UK base. I don't want to affect my credit rating which at the moment is 978. Rather surprised it's so good as I must be a lenders…
Default: RCI Finance and Nissan
Hi, I'm wondering if anyone has any experience dealing with RCI Finance who provide car finance for Nissan. I had months of issues with Nissan trying to collect my car at the end of a PCP deal, and the way they dealt with their collection agency (Manheim) left me with no car and a default on my account. Short(ish) version…
Creditclub MSE verification via Experian question
I’m doing as ML suggests and doing a credit check to see what products I’ve had in the past that may have had PPI. However using the Creditclub MSE tool I get forwarded to Experian which asks 3 questions to verify my identity, the first 2 related to my mortgage provider and payment and the third is “Who provides your…
Debt not mine
Hi, I'm not sure if this is the right place to post this, if it isn't I'm sorry. Me and my cousin have the same name and date of birth, until I was 21 I lived my Aunt and cousin (I'm now 26). In the last few months my cousin has racked up a lot of debt. I've started getting a few letters and phone calls from debt…
Other persons credit woes added to my credit file
Hi I got turned down for a vodaphone contract, and was told to look at my credit report which would explain why. On checking Experion, my rating was excellent, as I expected. However on Equifax, an address, that I'd never heard of had been associated to me by Seven Trent Water. From that address a number of defaulted…
Who puts the details against my credit history?
When a company passes information over to the credit agency, who decides that the information is for me? For example if Scottish Power have an account for someone with the same name as me, but a different address and date of birth, and it displays against my credit report, is it SP telling the CR to put it against my…
Lowells chasing me for debt that doesn't exist - help!
I've posted this under Debt-Free Wannabee as well but I feel like it would be better off here. Today I got a text from a company called Lowells asking me to call them. My credit is squeaky clean and I have no unpaid debts so I was surprised they were contacting me. Turns out they are chasing an 'unpaid E.ON bill' from when…
Unable to access experian score
Hi, I've never posted anything on a forum before, so apologies. Both myself and my husband are members of the MSE Credit Club. For the last two months I have been unable to access my Experian score and it continually states that I have failed the verification criteria. Yet my husband has had no problem whatsoever. I have…
Partially or Fully Satisfied? Which is best?
I am in process of paying off one of my default debts. I have have owed the money for over a year, almost finished paying. I was offered a discount from the debt collector- I have almost paid up to this amount & can complete today. Should I go for this today, or should I wait longer and pay the whole amount? Will it look…
Late payment markers on file even though I’m not meant to be paying yet
Hello Looking for some help. Basically I handed a car back to the finance company after my 3 year contract ended, I handed this back in September/October 2018. All payments till the point of end of contract were up to date and had been paid. Since Then I’ve not had to pay anything, and was told by the company I wouldn’t…
CCJ - 5 years in
Hello all, Long story short...I got a CCJ from a private parking company in Feb 2014. Dont ask. The CCJ was for £145 in total. Luckily I already had a couple of credit cards with decent limits to use if I desperately needed credit as I wasn't planning on applying for any new credit until the CCJ had dropped off my file but…
Advice to build credit after bankruptcy
Hello all. I was discharged from bankruptcy last year and am keen to get this started to build me credit again. ANy advice and tips are much obliged. Here are the services I currently have: Vanquis credit card with £500 limit. Mobile phone contact with Sky. Sky TV broadband and landline. House insurance (paid monthly)
Credit score question
How come my credit score on Experian says 311 (very poor) next update available in 3 days but my MSE credit club score says 878 (good) next update available on 2/3/19 :huh::
Dfs
Hi all Does anyone know which CRA DFS use? Thanks
Why is my score this low? Please help!
Hi everyone, Just joined the MSE forum so I can get these concerns off my chest and see if anyone can help me! I have joined credit club, read advice on various websites. But I'm still baffled by my situation. I completely expect my score to be below average but it's way worse than this and keeps getting lower! I have no…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Credit file & ratings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Credit file & ratings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free