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Credit file & ratings

Archives for December 2019

Re: Default on credit report
Hi All, I have just discovered that I have 2 defaults on my Experian credit report both from British Gas, one for gas and one for the electric although I only had one dual fuel account. I switched from them to another supplier in June 2018 and have always paid on time. I queried a bill they sent in June after leaving as I…
Experian.
Hi, I need some help I have been trying to get my credit score from Experian through MSM however it keeps coming up check my details and its to do with my address. I have moved house in August this year and on another site its showing up as my old address even though I am registered with my local council and I have voted…
Court Judgment but no CCJ
As I understand it, when one fails to lodge a defence or pay a fine on time, a County Court will automatically pass a judgment which will, within approximately 6 weeks, mean a CCJ will hit your credit file. This is the back story:- I was unfortunately caught by what really can only be described as the vindictiveness of an…
CIFAS Protective Registration
I was wondering if anyone on MSE has ever signed up to the CIFAS Protective Registration service? If so have you experienced any issues or positives whilst using the service? I have been checking my TransUnion credit file via Credit Karma and there are 3 quotation searches for 118 118 Money showing on my file followed by 3…
New LTD company Credit for sim only
I am currently looking for a sim only deal for a newly incorporated UK LTD company. Anybody know what the requirements are as the company will have little to no information on the credit file. Just want a cheap sim only deal
Can I still complain to Wonga about a default they promised to remove?
As the title says really, back when I received multiple defaults, I got in touch with the companies who agreed they would remove the defaults for whatever reasons we spoke about. I have successfully chased up a few today, and they've agreed they will remove them but I have a letter from Wonga who said the default they…
Experian report - electoral roll details 3 years old
My Experian report lists my electoral roll address as the place we last lived in about 3 years ago. I have moved home twice since then and religiously done my electoral registrations at the relevant councils. My Clearscore/Equifax report lists the correct latest address under electoral roll. I haven't had any issues with…
Credit Score and Car Leasing
I would be grateful for input or advice on credit scores and leasing a car. Basically I’ve worked very hard at getting my credit file all in order as I wish to buy my first home in the next 18 months. My Experian score is now 973/999 and Equifax is 507/ 600. My current car lease is in my partners name and is due to go back…
Discrepancies in Score Creditclub vs ExperianCreditMatcher
Dear All, I note that there are discrepancies in the credit score between what is updated in CreditClub and in ExperianCreditMatcher site. Any idea why would this be the case? Any one experienced this before and whom do I contact for this? Thanks, Kumar
0% balance transfers and opening / closing accounts
Hi all. Was looking for a little advice. I am self employed (business owner), my wife employed. We have 2 children. We are homeowners with a mortgage on our home. We have recently taken on a second property as a gift and plan to take out a buy to let mortgage at the full 75% of the value. We have a mortgage in principal…
Ccj
Hello! I just got a Job offer with a Bank, they got back to me that I have 2 CCJ’s £294 and £290 on my credit report and I am not aware of this! I immediately subscribed to Experian and found out the CCJ’s was issued on the 01/2019 and 05/2019 to my old address I left on the 24/2015. I have not been able to contact the…
MSE Credit CLUB APP
I am trying to find an app for this on my phone but cannot find one. There is one for most CRA like clearscore, totally money, etc but none of MSE Credit Club Perhaps i am missing it, can someone point me in the right direction or is it only viewable on a laptop
Changing a Few Accounts to Husbands Name
Hi Very brief history (hopefully): (if you don't want a history, skip to the last sentence haha ;) ) After about 15 years of having major debt problems, I have finally been in a position to spend the last 3 years starting to recover with a view of 2/3 years left before we can start looking at the possibility of getting…
Using Arranged Overdraft for 5 Days
Can someone tell me how this would effect me if i need to use £500 of a 1k overdraft i have for 5 days and then pay it back in full. How negatively would this effect my credit file and would this be marked down on my file? How would they know Thanks
Payment plan to clear overdraft - does it affect credit file?
Hi all, I got myself into a sticky situation with an overdraft at HBOS, and my overdraft is now sitting at £5,000. However, I recently started a well paying job, that means I have a decent amount of money left over after bills/other expenditures, but the one thing that is killing my account is the overdraft fees (around…
Money Claims help please?
Hello, I am new to the forum and I'm not totally sure if I'm putting this thread in the correct place. Basically I'm 24 years old and during 2018 till January 2019 I was self employed at a car wash. I gave my boss regular weekly invoices which most of the time he failed to pay on time (sometimes building up to almost 2 or…
Vanquis Default
Hi everyone, I started a DMP in 2014 due to unfortunate circumtances and I will finish paying it off in the next few months. I'm looking at applying for a mortgage in 2021 and therefore, I'm trying to get my credit file sorted. One of the debts on my DMP is with Vanquis who I started to get into arrears with in 2014 but…
Score dipped because of high utilisation, how long will this last?
I recently took out an Amex card to get cashback on a 5k purchase. I paid for it and then stupidly let my direct debit pay the bill at the end of the month instead of paying it off straight away. They obviously reported my balance which showed a massive spike in my utilisation ratio and I dropped 33 points this month.…
Lowells
Upon applying for a mortgage I found on my credit report a CCJ from Lowells (a debt purchased from Lloyds). I have approached both Lowells and Lloyds for evidence of this 'debt' and neither have been able to provide any evidence that the debt relates to me. What can I do in this situation? On top of this Lowells had TWO…
Cabot Financial
Can any one help! I have recently applied for a mortgage and on my Experian credit report I have a default notice with a company called Cabot. I have gone to them directly and asked them for information on the default which is six years old in March 2020. They have been unable to provide me with any evidence of this debt,…

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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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