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Credit file & ratings

Archives for November 2019

Thoughts on this?
So i was reading through a few threads and in particular one came to my mind. It was interesting and i am not sure which opinion is right or wrong. https://www.consumeractiongroup.co.uk/topic/299731-virgin-media-default-for-late-payment/ I have no services with Virgin but is this person right? He is stating Virgin…
Evan Halshaw ruined my credit report
Hi, I saw a car I wanted to finance a few days ago with Evan Halshaw, I had finance already approved at this point and made an online enquiry to take the car for a test drive. I eventually got a call and we discussed the test drive and the salesman went through how I wanted to buy it, I made them aware I had finance…
Just taken out a credit card and credit score went down?
Hey all, I just took out my first credit card 2 weeks ago from Barcleys. I used it for £160 of stuff and paid it off instantly. However I just got my new credit report and my score went down 32 points.. I am young however have never missed a bill, and I thought responsible usage of a credit card would boost my score, but…
Name change broke Credit Club
I updated MSE credit club with my new marital status and name. (Been using this facility since it started). It hasn't kept my old name as an alias. It doesn't give me anywhere I can add an alias. It just says I've never existed and can't have any credit. Thank Christ I'm not trying to buy a house right now. Incidentally,…
MSE credit search on my file
Today, I receive a notification from Equifax stating..... MONEYSAVINGEXPERT & CAPITAL ONE , a Credit Card company, has made an inquiry against your credit report on 26/11/2019 . If you were not aware of or did not consent to this search, contact MONEYSAVINGEXPERT & CAPITAL ONE or Equifax for clarification. I've never…
Why is credit score dropping?
Hi All, anyone have any idea why my credit score which started at 710 when I joined the credit club 3 months ago dropped to 705 the following month and then 680 this month. I’ve done nothing any different at all, I haven’t applied for anything, haven’t changed banks, haven’t changed address, haven’t changed jobs,…
Do I have a ccj registered against me
Do I have a CCJ registered against me, Ive received a letter from a solicitor telling me that I have and i've checked via MSE Credit club and it suggests there may be one. I did not receive (as far as I know) any court paperwork I did get some threatening letters from a car parking company a while ago:mad:. Q; how do I…
PayPal Credit
I have paypal credit with a limit of £3,000, only ever used it for small purchases of maybe £250 spread interest free over 4 months. I’m looking to spend £900 at John Lewis for Christmas but been told you can get a longer interest free period with PayPal Credit? Has anyone heard of this please?
DRO or debt plan?
What’s better for your credit score in the long run? A DRO or a payment plan with low payments that could take like 3 years to pay off all debts?
CCJ Set Aside Success
Hi all, I know this has probably been posted many a times before but I was just wanted to say thanks for all the help and guidance, have been for my first court hearing to get the CCJ removed and I was successful thanks to some on here. Some people did question my time frame of getting my application submitted 'in good…
How to deal with a British Gas/Moorcroft debt
Outline of the situation. ~ I moved into my current rented flat December 2018 ~ The first electric bill with British Gas was over £620 - this was for just over 1 months of electric ~ I contacted them several times disputing this as I live in a small 2 bed flat. ~ It turned out that the boiler was ramping up my electric ~ I…
1 late payment and am I back to square one?
Looking for either some hard truth or reassurance... From 2017-2018 I made some very stupid choices being very uneducated on credit scores and had a lot of missed payments on a credit card ..luckily no defaults ... I sorted myself out August 2018 , made every payment on time for over a year, even increasing my poor…
Blank search but CAIS exist
Hi all My mum called me for advice today, as I’m a Credit underwriter. She is looking to retire, so applied for her own phone contract - only to be declined. She tried to get a copy of her file but neither Experian nor Equifax could electronically identify her. Step in me. In short, her credit file shows no CAIS at all,…
What’s better? Default or Arrangement to Pay?
I can’t seem to find the answer to this question anywhere... I’ve just started a Debt Management Plan with StepChange. A couple of my creditors have defaulted me, and another has said they won’t put a default on my credit file- just mark that I’m on an arrangement to pay: ‘AR’. At first I thought the least amount of…
Next - Did they search my report?
Hello everyone, I have been doing some shopping (or trying too!) With next tonight. I added some stuff in my basket, worth £50. I clicked on checkout, got asked to sign up for an account (which annoyed me, usually most shopping sites allow you to checkout as guest). I went through the fairly simple questionaire to set up…
Hitachi capital credit checks
Hi I am about to apply for finance on a sofa, i checked my credit score and it has decreased a little since I last applied for credit. I had finance with Hitachi for my kitchen which ended last month all paid up fine. I'm worried though that my score is good with Experian and Equifax but creditkarma says work to be done.…
Mortgage Offer - new mobile phone contract
We're in the process of buying a house and have a mortgage offer in place. My other half is thinking of changing his mobile phone contract (probably to an equivalent-ish cost) as his phone is dying. He's been due an 'upgrade' for some time but we've been nervous to change it since getting the most recent mortgage offer.…
National Hunter Report Received - Incorrect bank details
Hello all, I sent a n SAR to National Hunter to see what data they had on me. I have just received the report and the overall status is clear. However, in the section main applicant bank account details they have the wrong bank account number and sort code. My sort code is 09-01-28, it is listed under this section as…
Fraud Case
Hello, Looking for advice. I found out someone has taken out a loan in my name. I am shocked they had my full name, address and DOB. I do not know what other details they had. This was with a payday lender 'Satsuma'. I have contacted action fraud, experian credit agency and informed satsuma who were not helpful. Is there…
Letter from Advantis
Hi, My dad recently received a letter from an authorised debt collection company by DVLA called Advantis asking him to pay £80. It was due to him not changed his address from his old home. Should he pay? Any advise ? Thanks

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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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