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Credit file & ratings

Archives for April 2019

First Credit Card
I'm trying to help my daughter get her first credit card. The two we have applied for have said she is unlikely to get one (one is her current bank where she has a few K savings). She is an apprentice on a low wage - but she lives at home and really only pays for her car and clothes. I want her to set up a dd to pay in…
Lowell Discount Offer - I want to pay it.
Hi, Thank you for reading, i'll try to keep it brief. I had a capital one card (defaulted balance £205) in good standing for a number of years before having to leave my job and defaulted in 2017. I'm now in a better position and more financially stable and working hard to improve my credit file. I recently received a…
Caught between a rock and a hard place. Need advice
Hi all. I'm new here so if my post is in the wrong section I apologize. I'm in such a mess and don't know where to turn or what to do and it's stressing me out to breaking point. My problem is my ex of seven years, the mother of my children and admittedly a clever devious woman who knows all my details and who has the same…
Is an empty credit report seen as a negative credit report?
From what I understand, credit files go back 6 years. I have a friend who lives with her parents, no bills, no credit card, hasn't applied for anything in years etc (I dont know why) so has nothing on her report. If she does apply for anything, is it generally seen as a negative? Or is it just like a neutral thing and she…
Financial Associate Dispute on Credit Score
Hi, I've been using the Money Saving Expert Credit Club for a while now and last month I noticed I've now been linked as a Financial Associate to both my mum and dad on their mortgage account which was opened back in the year 2000. I've tried disputing the entry through Experian but they have come back to me stating the…
Unfair defaults on my report - thoughts and advice?
Hi, So I have just checked my credit report and it came up as 7 recent defaults. Which was a massive shock as never missed a payment. On further investigation, the defaults relate to a bank account that was closed roughly 15 months ago. (Switched current accounts). Of course phoned said bank straight away, he said from…
Appealing credit rejection with manual underwriters
Hello I wanted to ask the experts out there if they have any experience on a perplexing situation I find myself in? I have been employed for 40 years, having a variety of good jobs, paid a mortgage off and all debts without any defaults even when it was a struggle to do so. For the last two years I have my own consultancy…
how a lender sees this particular defaulted account
How would a lender see this account Account defaulted 29/02/2016 - last reported to credit reference agencies July 2017. Since then nothing is ever reported each month but default obviously still sits on my file.
Are 3 defaults worth 350 points each?
Hello! I can't find the answer to this question anywhere, does anybody know? I have 3 defaults, are they worth 350 negative points each? Thanks!! Luke
Wrongly linked to CCJ
In the last few weeks I have made a claim on my home insurance. Today I received a letter stating that my insurance has now been made void as they say I have a CCJ against me. I have looked at my credit report Experian, Equifax and Call credit and they are clear. They all say no CCJs. I have previously had an issue where…
Sudden drop in credit score
I know, I know. It's just a number and it's the history that matters not the score. But I got my new ClearScore (Equifax) score this morning and it's dropped enormously. My score has consistently been between 456 and 510 for as long as I've had ClearScore (multiple years). This month it has dropped right down to 393. The…
Car lease Eligibility
I currently am looking to leqse a car for around £290 per month. I make £36-38k per year and keep up with mortgage payments and all other bills. I have only a outstading amount of 104,000 which is a mortgage that i am paying as per the mortgage plan. I have 2 defualts. One which is £2500 that £1400 is reminaing as i am…
Who can place a marker on a credit file?
Hi, I'd like to understand the process by which a company can place account information and/or default marker on somebody's credit file. What is required for a company to be able to record this information on your file? Do they just need to notify you in the T&Cs that they may pass your information to CRAs? Are there any…
Confused about a CCJ
Hi everyone (not my real name on username) I have received a CCJ according to clearscore, just found out yesterday my file will be updated with it. It’s from a parking ticket. I received the claim form and filled out the section asking to pay in instalments. Hey assumed this was an option to stop it actually going through…
Student trying to check credit score
I'm a student financially dependent on my parents, and live at home with them. I am a student in another city and am registered on the electoral register both at home and at uni. I have been the name on bills for the houses over the past few years. I am trying to access my credit score to see how i can improve it and what…
Just found I have a CCJ :(
I’ve just discovered I have a CCJ, two of them in fact! Both from Northumbria Water. I remember receiving letters from Northampton County Court but I paid both prior to the date. The oldest is from 2014, I got the bill, forgot to pay and got a letter threatening court action so paid the balance. I later got a court letter…
Credit card to help repair bad credit profile
Hi' So I know the usual advice to try and improve your credit profile after it's taken a battering from something like a DMP is:- A.) Be patient and B.) Get a credit builder card and use it wisely paying off in full each month. Now I'm doing both but I've just had a thought. Knowing what a balancing act these things can be…
Order to attend court for questioning???
please help,a man knocked on our door and gave me a court letter saying i have to attend the county court on may 7th. the letter says a judgment or order made on 31st January 2013 at the county court business centre to pay £8000 and i have to attend or i could go to prison for contempt of court. In the past we have had…
Missed payments on defaults
Hi. I have recently signed up for total money credit expert to see my credit score. I had defaults several years ago but all accounts now transferred to debt recovery agents. I have never missed or been late with a payment with any of the debt recovery companies but my total money credit report says that all the payments I…
Online gambling affects CS, but is it less if I only have 1 account and top up with CASH INSTORE?
I wager occasionally online which is OBVIOUSLY a bad thing but I enjoy it. I have credit cards and a damaged credit score that i'm trying to amend, and although I NEVER top up with my credit card, i'm told certain behaviours are still tracked. A certain bookmaker allows you to top up IN STORE with CASH simply by using your…

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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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