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 August 2019

Electrocal Roll / CC
Maybe some guys read my "way to credit" So i pulled my exp/eq/trans again and 2/3 have my registration for the EC, my Santander Accounts show up as well. What would be the next step. My Accounts show of course 0 balance. And i have the credit builder posting with on time payments. What would u guys suggest (Experian is the…
county court bailiff
how long does a active bailiff case stay live for a neighbour was taken to court by lowel , several weeks later they got bailiffs letter contacted bailiffs to say they had no money to pay , they told him to ring office in liverpool (I think) best they could offer was 4 payments (I think) over something like 3 mounths he…
Improve credit rating
Hi this is my first post. I have a pretty good cedit file but want to get a mortgage in a few years, what is the best way to improve my credit file?
Why do I have no credit history?
Hi, I am new here and am looking for some advice. Any help would be greatly appreciated. I am trying to apply for a 0% interest credit card. I looked into the Barclays one giving 27 months interest free credit. Using the MSE eligability calculator it says I've got a 10%-60% chance of getting it - which is quite a big…
Erroneous new 'TSB' account on Clearscore
I thought I'd post about this because it's caused me some amount of stress given that I'm currently applying for a mortgage with adverse credit. This morning, I had a notification from Clearscore indicating that a new current account from TSB will be added to my September report. This was alarming as I haven't applied or…
Managed to get 2 defaults removed from my credit, just one CCJ to go... need some advice on strategy
So through hard word, perseverance, a lot of phone calls and emails plus going through my bills with a fine tooth comb to find mistakes, finally managed to badger a utility company to remove two defaults and all negative marks on my credit file. Now onto the CCJ... if I can get this removed my credit rating is going to…
No default date on file
Hi, I have 2 old debts on file,both shopacheck from 2011. They have 4 years showing default then satisfied in 2015. However neither have default dates. Would I be right in thinking default date was 2011 and as such they should not still be in file?? And if so who will remove them, shopacheck or Equifax?? Cheers.
CCJ being enforced after 6 years
Hi, I’ve had a look and read through loads of posts on here about similar issues but still need some specific advice.. if anyone can help I’d be really grateful!! So long story short, I received a letter today from an enforcement agency about an old rental arrears debt I have dating back 7 years now. It’s requesting a…
Motonovo finance credit check.
Currently with Motonovo finance and have been for the last 7 months, I’m part exchanging my car for a new one this week with the same dealer as I put the car into positive equity by making some over payments over the last 3 months, my credit score hasn’t changed since as it is 375 on clearsore, I am just looking to get…
Credit files
What are the best places to get my credit files from with all my credit data. I have been told there are 3 different credit agency’s and would like to know which apps to use that are free or give a free trail so I can sort myself out. Thanks in advance
Will default be removed
Hello all. After some advice. I’ve just joined up to the MSE CREDIT CLUB CREDIT FILE. First thing I notice is that I have a default account that is showing as settled on 23/8/2013. So this Friday will be 6 years old. I know this debt is with a debt collecting agency tho. If this debt comes off my credit file on Friday what…
EE ruined my credit score
I had been an EE mobile and broadband customer for more than ten years. Last year (May 2018) I changed the phone provider and closed my mobile account. I removed my Direct Debit from my EE mobile account for safety reasons. However, I continued being on EE broadband. Months later I found out that there was a default in my…
Equifax Complaint
I made a complaint to Equifax about an entry on my credit file I did not recognise. The response time for the creditor making the entry has now elapsed. What do i do as it's still just showing as an open dispute?
Invisible To Creditors Anomaly
Hi All, I have sent a similar version of this into my local MP, but I don't know how much they will be able to help and thought somebody on here may have encountered or experienced something similar Basically, my wife has been unable to secure credit from various lenders, not due to a poor credit history but due to none of…
WHY Cannot get a loan/credit card
Hi People, I have had an issue for the last 2 years or so, where when I search for new Balance transfers or loans, the results I see in the eligibility results seem not great at all. Not only that but on the occasions that I have applied, I have either received a much reduced term form the initially advertised or, more…
implications for landlord of CCJ for former tenants?
As a landlord, can there be negative consequences (for me) of a CCJ being registered at an address for a property I own, in a former tenant's name? If so, can I get the address on the CCJ updated? I've asked the same question at ccbc@justice.gov.uk, but I thought the fine people on this forum might answer more quickly.…
HELP - victim of ID fraud - various DCA's chasing
As many of you know, there were fraudulent transactions on my bank account earlier this year. The transactions appeared as paypal transactions but nothing was on my paypal account. The transactions were reported to the bank who cancelled my debit card at the time & issued a new one. I was later refunded the money by the…
help needed re debt that i have never had ???
Hi i have received a letter from a company called " Robinson Way " says it due to HFUKH2L ( ex JD Williams ) ref 324314880 which the ammount is £472.36 firstly they state that they have been told that i have moved either by third party or via returned mail but they have reviewed credit report data which confirms that i am…
Defaults after bankruptcy
After being discharged bankrupt, on your credit file should there be default notices each month AFTER being discharged still appearing also should the amount I owe be zero. Also I heard that any debts after discharge should show as settled or satisfied. After looking at my credit file I have months of defaults for some…
Missed payments and mortgage applications
Hello Completely new here so apologies if posting in wrong place or if it’s been asked before. In 2016 I had my daughter, and my husband quit his job for a lower paying job due to his mental health. Due to this the credit card debt piled up and when my maternity pay stopped I missed a some payments. I’ve done my best to…

★ ★ ★ 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