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Credit file & ratings

Archives for September 2019

Halifax due to close account
...because I haven't used the card in about a year. 3 cards in total; Card one: 10,500 limit, 0 balance Card two; (Halifax) 5200 limit, 0 balance Card three; 5700 limit, 4000 balance 3 cards due to balance transfers...I know there's no right answer to this...but would you let Halifax close the account or ring up and ask…
Agreement to pay - inaccurate information?
Hi, So I have a loan with savvy loans, i was due to pay the monthly repayment on the 13th of September. I'm self-employed and had been unwell for a couple of weeks, I thought I'd be okay for the payment but money had gotten tight so I contacted the company to ask to move my direct debit date to the 30th of the month…
Loans that don’t appear on your Credit Report
Hi Everyone I am wondering if there are any lenders who don’t report to any of the Credit Agencies. I am aware that some credit unions (after saving for 3 months) don’t but I want to get a loan that won’t appear on my credit report. Many Thanks
Credit rating confusion.
why is it you can login to different credit rating websites and they all give a different score and different options on loans and cards ect. Why can't they all give the same score rating.
Score tanked following fraud
Hi - I'm new here and in need of some help! I am a member of MSE Credit Club. A few months ago, I was a victim of fraud on my Aqua (Newland) credit card. The account was taken over and a new address was fraudulently linked to my name. It took me several weeks to get this address removed from my credit report but this has…
x2 CCJs and a default last chance
Hi, I have been browsing for a few hours but i cant find anything slimier to my situation.. So here goes- Long story short, i joined the army at 16 served 10 years and had the attitude of living every day as if its the last. I had various loans and credit over the years and most properly payed back twice as much in charges…
Identity stolen - what do I do next?
I live in an apartment block and have been told by the management company that our postbox has been broken into at least twice in the past month. This has happened to all the residents - police are aware as the culprit has used some of the information to fraudulently apply for and intercept credit cards in some residents'…
Statute of Limitation
For credit is the 6 year statute of limitation from the date of the defaulted account by the credit company on the report or when a last payment was made before payments ceased to be made
Fraudulent accounts on my credit file.
I have a number of fraudulent accounts on my credit file. I have contacted some of the creditors and they have do their own investigation and closed the accounts as fraud. These still show on my credit file. They said that its not up to them to remove it from my file its up to them. I have slowly watched my credit score…
Credit card repayment options
My credit rating is very poor and has been for a couple of years following divorce. I have one credit card outstanding which is classed as defaulted. I have offered to partially settle the outstanding balance, but just cant match their offer. If i enter into a repayment plan, will that allow my credit rating to increase?.…
Current address of 8 years not in report... but that address might have a bad mark. Suggestions?
Hello all. Hopefully someone here can help me. I downloaded my credit report and my current address of 8 years isn't on there. This might be because (almost) all of my bills go to another address; I used to travel so much with work that I'd miss them otherwise. Probably not the best idea in hindsight... To confound things…
CCJ from a parking fine
Hi. I received a parking fine in December 2015 from Vehicle Control Services Ltd. as I had a valid ticket on display in my vehicle, I appealed this fine online. I received no response. I resubmitted the appeal. I then heard from a debt recovery agent in June 2016, I advised them of my appeal and lack of response to which…
Is the MSE Credit Club Broken / Closed
I can log in but don't see and score info and can't access my Experian report. This is mentioned as a problem in the FAQs but it seems it has not been fixed. There is a contact us email creditclub@moneysavingexpert.com which I just got an undeliverable bounce from. No probs if it is now closed down but then the website…
Multiple credit searches by the same lender
Hi there Due to issues with the property I'm purchasing jng and some outstanding information, it's looking like my mortgage app will get cancelled. The lender has previously done 2 checks on me at DIP stage as I had to change properties (DIP is the stage they do them, and not again at application) I'll need to reapply with…
CIFAS marker for “false identity marker” help?
Post deleted
Credit File / History when getting a mortgage
As I've stated in a previous post, between 2015 - 2018 myself and my partner were in debt (credit cards, overdraft, finance agreements and store cards) totaling just short of £9800. In December 2018, a friend of mine offered to pay all our debt and for us then to pay her back monthly (legal agreement in place). She did…
Hard Search on Unfinished Bank Account Application
I started applying for a Natwest account yesterday on my lunch break. It's a joint account, switching for the bonus and bills cashback. I entered my details then I realised they needed my partner's salary and the date she opened her current bank account. I didn't have this info so I sent her an email and then got called in…
Bizzare loans apeared on my credit file?
So checking my credit score file, and I've noticed two loans that I have absolutely no recolection of. Both bizzarely short in term. I have never ever had a loan so am rather confused by this! EDIT - I am not allowed to post pictures apparently. Being a "new" user (even though I have had this account for over 8 years lol.
Credit file defaults
Hi, I have 2 defaults on my account totalling £5,000. They were in 2015 and 2016. I took a personal loan out to clear the 2 debts - should I have asked that they remove the defaults as part of the full settlement? What are the chances of asking them to do this retrospectively. This would make my credit report better and…
if I indemnify someone else's hp agreement will it show up on my personal credit report
Just looking for some advice as I need to apply for a remortgage shortly and don't want to damage my chances of this being approved. I've applied for finance on a used car in my business name and this has been approved subject to me indemnifying the loan. My question is simply, if the agreement is in a LTD would the…

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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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