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Credit file & ratings

Archives for February 2019

Noddle site down
Thanks for visiting Noddle We’re really sorry our website is out of action. We’re experiencing a technical issue and have suspended the site temporarily while we apply an upgrade to our system. We’re very grateful for your patience as we deal with this, and we’ll update you with further details as soon as we can. Please be…
Unknown debt from Lantern debt recovery
Hello, Last week my husband received a letter from Lantern stating he owes just over £800, which he does not recognise. From researching online he sent a 'prove it' letter to them via email. Today he received this response: "Dear Sir / Madam Thank you for your recent email. To ensure the ongoing security of your personal…
Fraud on myself
Today after work I went over to my parents house. I lived there for 30 years, so I so have a history there. I had two pieces of post. One was a bank statement from Barclays, and the other from voda, a DD confirmation. I neither have a voda account or a Barclays account. After getting in touch with both and including action…
Paid off mortgage and Experian credit score drops by 96 points!
Whilst of course we know that the "scores" of CRAs are a fictitious nonsense, I was surprised to see that my score had fallen by 96 points after paying off my buy-to-let mortgage. ( I had thought it would rise!) There has been no other change, and I have dozens of other long-standing accounts which demonstrate my (good)…
Available credit
Hi guys I was under the impression using only a small amount of your available credit was good for your credit rating, however I read an article yesterday on here saying to close down some old credit cards as too much available credit also puts lenders off, thoughts?
Old CCJ and house sale - what can I do?
Hi, We’re in the process of moving house and our buyers solicitor has uncovered an issue involving a CCJ against our current home. This was applied in 2005 from an Egg credit card of my partners which had fallen in to appears, it was paid off shortly after and as far as we knew the CCJ was lifted. This clearly was never…
Issues with Lowell
Hello I am having issues with Lowell. I have a new debt with them from British Gas and have the below issues: 1). The debt from BG states it is for period of 5 years, however less than a year into moving into that home, we switched from BG to another provider. So their claim on the letter is wrong.How do i go about dispute…
Rolling Monthly vs 12-Month Sim Only Contract (To Improve Credit Rating)
Hello MSE Forum, If considering a new Sim Only Contract (current contract has finished, so due anyway!) to help build a positive credit rating, does it matter whether a Rolling Monthly or 12-Month contract is taken out? Will both have the same effect, or will you only get the positive credit rating effects from taking out…
Default Removal - Strategy
Hi everybody. I am going through a default process currently with American Express. I have had a previous default removed for a £3 phone bill when I moved from Orange to EE and they didn't tell me about my outstanding balance. It took a lot of persistence, but you have to push the right buttons and speak to the right…
Unexpected rejection
As the balance is starting to rack up on my regular credit card I thought it high time to apply for a 0% balance transfer card to help with paying the balance off. Prior to applying, I checked my experian score (not foolproof I admit but at least a guideline) and it came back with 984. I chose to apply for a recommended…
Effect of large unsecured loan v default
Hi, I'm currently negotiating for settlement of a large, unsecured debt (£26k). The debt was not defaulted this when i originally went into a DMP 9 years ago. I'm now negotiating F&F settlement on the loan. I have asked for the default to be backdated to the original date I entered the DMP, but if they do not agree, how…
How do I restore my credit rating in this situation...
Hey MSEer's I'd be really grateful for some advise on how I can rebuild my credit rating (which is surely mud now). Here's my situation: 1. Been out of the UK for 2 years 2. Will still be away until the end of this year 3. Vodafone UK closed/cancelled my mobile account due to non-payment (£15/mo) 4. Bank closed my personal…
Is my credit file ever going to be clean?
Hello, I have two defaults on my credit report. Do they ever expire? I keep paying £1.00 to my creditors every month but since my credit score is bad and defaults are shown to lenders I have no hope to get work or start a business. My debts are credit cards debts. I have a debt management company (a charity) who simply…
Poor credit and how to improve
Hi my first time on this forum and I have a few questions, First of all my credit rating is very poor on Experian it’s 529 and credit score 132 I have 2 ccj to the value of £350 each approx although I never knew I was due in court, I’m assuming these are parking fines I would have paid them just to keep the ccj of my file,…
Why are my credit options poor?
Guys Please help as this is confusing the hell out of me. My noddle report sits between very poor - fair yet I cannot see anything adverse on the account? I have an active credit card which is always cleared, water bill up to date along with my current account. So why is it very poor? I'm also on electoral role? All my…
Can cancelling a direct debit affect my credit score?
Hello. I have found myself in a peculiar situation. My contract with Economy energy was coming to an end so I was speculating. I initiated a switch to the People's energy but then I panicked as I realised it was probably not the time yet (hoping to avoid early exit fees). And I could not see the time of the end of the…
Bankruptcy advice
I have been declared free from bankruptcy now for over 7 years. I have been contacted by a PPI company saying I’m allowed to claim and that it will not effect the fact that I’ve been bankrupt!! Is this the case?? I would hate to open a can of worms as now been discharged for over 7 years. Thanks
Which to pay first,Santanders charges are ridiculous.
Hi all,I apologise if i'm posting in the wrong place as i wasn't sure how or where to post questions about debt. The situation i've got myself into is a bit of a mess. Basically i have an overdraft with Santander of £500 of which i owe £485 but with unfortunately finding myself out of work last year i now can't seem to pay…
Use planned overdraft or close?
I have a planned overdraft limit of £1,000 on a student account (I am still part time though now also in full time employment). I don't use the account, and paid it off as soon as my pay check allowed, and have another current account which I use for my living expenses. I'm currently in the process of trying build credit.…
Sky TV?
As far as I am aware Sky TV don't report the standing of my account to any CRA. I'm stuck in an 18-month contract paying £25 a month for a TV package (rising to £27 in April) Whilst I could afford this in the beginning a change of circumstances now means I am really struggling financially to cover utilities like electric,…

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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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Credit file & ratings

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