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Credit file & ratings

Archives for March 2019

Credit reference agency
Hi all I am dropping you a quick email with ref to a topic that Comes up with show a lot, over the last few months I have been checking my credit reports due to being turned down for credit, perhaps in the past I havent had the best score and the places that I did have credit I ensured that they were paid on time. In…
Credit raiting with car finance
Hello world, So recently bought a house far enough out of the city centre that my wife needs a car to commute to work. My wife purchased a car on finance last week at a rate of 10.8% (rate decided before she even had her name on the finance papers...) and we collected it Thursday. Absolutely brilliant having one, makes…
Phd student - credit rating & card/income/stipend
I’m a 26 year old PhD student. I’m a few years away from hopeful completion of my course and I'm looking to build up my credit score in preparation for getting a mortgage once I am working again. I worked previously for 4-5 years and I am really regretting not getting a credit card earlier back then…. I’ve got a 20k…
Failed the Experian identification process
Posted on here a few times the last few days :o but after having a great credit score and never having any issues with getting a bank card/credit card, I'm suddenly struggling. I'm in a better place financially than I have ever been but last week I applied for a joint account for me and my partner (to make bill paying…
MSE new credit score update
It's no biggie but I'm just curious as to why my credit score hasn't updated on the MSE credit report It says next update 21/03/2019 and last updated 21/02/2019 Obviously gone past that now and still no update
NOT on Electoral roll despite registering 09.01.2019
I registered on 09.01.2019 and received the confirmation email. 2 months and 2 weeks later I'm still not on the electoral roll. Credit file is at an all time low because of this too. I emailed my local council and they said they never received an application. Cheers .gov I feel like suing because this is negatively…
CCJ Advice
Hi I had mobile account with O2 and to cut a long story short back in 2012 I had a dispute with them over a charge on the account. After sometime and without any notice O2 sent the account to Westcott were I promptly wrote to them informing them that the account was in dispute and that I required the evidence that they…
Negative influencer
I have a negative influencer which is affecting me getting credit etc. How do I resolve this? Obviously I pay them but is the damage done or once I pay them does my negative influence get removed?
How to claim back charges/fees?
Hi I did a balance transfer to Asda Money credit card in January at 0% with a 3% fee. I looked at my Feb statement and it said the min payment would be taken. Good I thought. Everything ok. Until I had a credit file warning via clearscore. I have been busy working, been overseas for work, and just found out I have been…
Credit rating
Can mortgage lenders see which other companies have searched a person's credit rating? Thanks
Building a credit score
I’m currently separated soon to be divorced. The Nisi has been approved so the financial side is about to be submitted where fortunately we’re sensible enough to be able to agree on the split of the finances so the court agreement will settle everything. The house has an offer on it so will soon also be sold on a 50 50…
Missed payments
Good afternoon, I'm trying to rebuild my credit score and I've noticed that the monthly payments I make to a debt collector don't show on my report. My original creditor is still on there and it's showing as missed payments every month (I've been paying the debt collector a lower payment for 3 months). Is this because this…
Drydensfairfax threatening letter, please help!
Hi wonderful people of MSE !! I am really after some advice for my partner as this is causing her a lot of stress and has her very worried. She received last week a letter from Drydensfairfax solicitors (never heard of them) and they say they are acting on behalf of Arrow Global (never heard of them either) in regards to…
Late payment
Hey, Due to a genuine mistake I have missed a payment of £5 pound and have now been confirmed it has been reported as a late payment. However she is saying that because it's for such a small amount I shouldn't worry about it as other lenders wouldn't be able to see it? Does this sound right to you?
Credit mistake compensation
Hi I was wondering if anyone could offer some advice. My partner and I recently discovered that we were going to be having our second child. We are living in a two bedroom rented property with our 5 year old son. Over the past 2 years we have been saving as best we can for a deposit on a new home. When we found out we were…
Defaults, what do I do now?
I fell into financial difficulty after being made redundant, I spoke to 2 of my credit card companies and explained my situation and they froze interest but I wasn't able to keep up with repayments. I kept up with all other creditors including my mortgage. However I now have 2 Default notices on my credit file from Newday…
Tips to increase score ?
Hey people, I’ve recently cleared off a mass amount of my debt, cleared my hire purchase agreement just over a fortnight ago, and my credit file had taken a huge hit due to that, annoyingly. Does anyone have any tips on how I can increase it faster? To get me back up on good ground mainly. I’m paying my credit card in full…
My new plan to get out of the shtook - advice very welcome!
Hi all So I have been struggling with debt for a few years. Been on an even keel for the past few months and to my amazement have just been given a 0% credit card with balance transfer. I have work going forward and want to get rid of debt before getting married and going for a joint mortgage. Here's what I have got:…
Credit ratings / CCJs
Hi all, Quick overview... I entered a Scottish trustdeed few years back and it finished June 2017. On Experian is says it’s 56 months old, I understand this stays on your credit file for 60 months? Is this correct? I defaulted on 3 accounts when I when into the trust deed, will these defaulted accounts leave my credit file…
Santander & ccjs
Hi, I’m recently checkedmy credit report on Noddle and have found a defaulted account from Santander from feb 2014. I had this account set up for me by the military but never received a bank card or any statements so was non the wiser until recently. Never had money in the account or any taken out of it. It’s saying I have…

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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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