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Credit file & ratings

Archives for February 2019

Default and payment plan
Hi, I have an account with Lloyds which is now closed, it was switched to First Direct. There was still an overdraft on it. I tried to find out how to settle it but I couldn't as the account disappeared from my online banking and Lloyds said I needed to wait for it to go to the collections team before I could arrange…
Help me understand please!!
Ok I need some help please! Just to give a bit of a background, around a year ago I got myself in some serious trouble with Credit Card debt, I mean approx £20k bad, to the point I was struggling to pay it back. Where I was getting debt collector letters. Thankfully I was able to get help from my parents where all the debt…
CCJ's on credit report- HELP
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Recording of credit history via DMP
Hello all, I hope someone can help. After following a DMP from early 2012 onwards, I finally finished paying off my creditors in December 2018 and am now looking at where that leaves me with my credit file. A number of creditors placed defaults on my accounts back in 2012 and a handful in 2013. The last of these defaults…
Searches I don't recognise on my Credit File
Two searches have appeared on my credit file (both at the end of Jan). Both I don't understand and I haven't applied for any credit. One is "Madison Cf UK Ltd" and the other is "Capital One Bank" Both are "quotation searches" in Jan.
close accounts or reduce utilisation
Hi, We have 4 credit cards close to limits and therefore 95% utilisation. In order to get a new mortgage we are looking at paying off half the debt in order to have a better credit file for the mortgage application. We have heard differing things however about whether it's looked upon better to either 1. Pay off 2 cards…
Refused finance in curries store
Hi, I went to purchase a mac book air today in curries. I was refused finance. Which has really surprised me. My partner and myself earn 35 grand a year between us, I have a credit card which I use and pay back often. Balance is currently zero. I have car insurance direct debit and internet dd leaving account every month.…
Landmark mortgages put 7 late payment markers on credit file
Good evening I am losing the will to live landmark mortgages have placed 7 consecutive late payment markers on my credit file despite me actually paying them sometimes overpaying some months I have showed them the payments made and still they will not remove the markers on my credit file anyone able to assist in what I do…
To Switch (Current Account) or Not to Switch
Hello MSE Forum, Can anyone please offer some advice on how changing my current account/s will impact my credit rating and my ability to apply for a mortgage. I am roughly 8-12 months away from being in a position to buy my first house with my partner. I have a very good credit rating. My partner is currently building her…
Reduced payment offer
Hi All Currently paying off my last debt through Cabot. Small amount now circa £700 paying off £40 per month and then larger amount of around 7k paying £10 per month with larger payments as and when I can, but still around 7k owed. With bonuses from work and tax refund (2k) hope to be in a position to pay this off in full…
Bank job offer & poor UK credit history
I have had two credit cards outstanding for over 5 years, and both accounts have been sold Hoist Finance and similar – these two debts are a result of a personal dispute with my ex-partner, and I admit that I’ve been very complacent about getting the matter resolved and I am now worried sick that this will impact on my…
'Q' - Query showing on old account
I will be going for a mortgage in the next few months, and I am trying to clear up a few items on my credit file. I have a settled account with Littlewoods. It was always paid on time. I have no late payments or anything showing on my report. Under the settled Littlewoods credit agreement for one month there is a 'Q'…
I tanked my credit rating...
Hi guys unfortunately I done something rather stupid. I cancelled both my credit cards my barclaycard and my argos card as I no longer needed them. I also assumed it would improve my credit rating. Unfortunately it doesn't work that way lol. Tried to apply for a new credit card and I can only get cards with vanquis or…
Issue with Carphone Warehouse & O2 Multiple Hard Credit Searches
Hoping someone may be able to point me in the right direction of where I may find help to resolve this issue! Will keep this as simple as possible, but a small weird issue may have now escalated into a credit-destroying nightmare! Went into Carphone Warehouse (CW) on Friday to upgrade my phone. They found the best deal for…
poor credit rating advice needed
Hi, my credit rating has plunged in the last 7-8 months due to certain circumstances I couldnt help, basically got a question and need some advice if anyone knows the answer, so I have 2 defaults on my file in the last 4-5 months, one for a current account and one for a credit card, both of which im now in a monthly…
help improving credit rating and finding most information about my credit rating
Hello, Im looking for advice i ran up debt in my younger years 18-21 moving out of my parents abruptly then loosing my job. now i'm in a position to pay having trouble finding alot of my debts im 28 so alot of them could be up to 10 years old or information on them i pay for experian credit expert my that just show's two…
Credit Club registration encourages weak passwords
The Credit Club registration does not allow copy and paste of the password. I really hate it when websites do this, it means you cannot use a hard to remember password, or use a password manager, which is recommended for security reasons. So you end up entering an easy password, one you can easily type out and therefore…
would this be on experian
Hi I am trying to find out if creation have logged any negative markers on my credit file. I have joined MSE credit club and my creation account is fine with everything showing as a green tick and satisfactory. Would this be the case of missed payments or defaults had been logged with equifax or call credit etc?
Simply be payment plan
Hi. Does anyone have any experience with having a reduced payment plan with simply be? Please?
Negatives on GF's credit report
Hi Everyone Me and my girlfriend are looking in to getting our first home and along with that will need to get a mortgage. To make sure that we are in a good position we both checked our credit report and whilst mine is fine my girlfriend has some negatives on there that personally I don't think they are legitimate and…

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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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