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Credit file & ratings

Archives for January 2020

Removing a CCJ?
Hi all, Ive been trying to improve my credit score. Ive had a DRO which has finally just come off but a CCJ from 2 years ago is still on there. Its from a payday loan from lending stream but it was sold on to a debt collection agency. I have recently won a case against them for impropper lending and the loan which i got…
Error on credit report
I was with British Gas up until November 2018 when I switched to E-on. British Gas failed to realise this and continued trying to bill me and take payment. I’d cancelled the direct debit so they obviously couldn’t take anything. They then reported missed payments on my credit report, for a number of months. I then…
Good and Accurate Websites to Check Credit Rating for Free?
As title. TIA
Will clearing all my short term debt increase my credit score?
Hi all, I have recently cleared all my short term debt as i plan to apply for a mortgage mid next year, although ive never paid late or had any form of CCJ or anything like that my credit score came up poor, I was told its due to the amount of short term debt I had. Now that has all been cleared will it increase my credit…
still not updated
I posted a few weeks ago regarding my brothers credit file. He has a few accounts with creation bank. On his experian credit file these accounts were last updated on 13.10.19. They have not been updated since, despite him continuing to make regular payments on time etc. Is this something to be concerned about or is this…
Quick Question - Set-Aside Hearing for CCJ
Paying credit off early
Hello! I’m looking at applying for a mortgage but the lender thinks I may be rejected on affordability. I have car finance and finance for a bike, I can pay the bike one off but it’s obly been running a few months. My questions are, if I pay the bike off in full how will it affect my credit rating? Also if I extend the car…
Hilton Honors hacked
Hello all, I got an email from the Hilton honors with a invoice receipt for a stay at a hotel in the states which wasn’t me. The invoice has my name and address on it. I am concerned my HO account was hacked and someone in America has taken out credit in my name. All the numbers on the invoice are American toll numbers…
Clear Score old Financial Connection
Hi, In my ClearScore report, I have an old housemate listed as a Financial Connection. We may have had a utility bill under both our names (I can't remember exactly), but we moved out about 2 years ago. Interestingly, he also uses ClearScore but I don't appear as a financial connection for him. So, firstly is this…
Late payment question
Hi! I’m not good when it comes to understanding credit ratings and credit scores etc. On my Experian credit file under accounts I can see that my NatWest Account (used to be my student account then graduate etc) had a late payment (due to me trying to pay off my overdraft). Eventually I borrowed money off my dad and paid…
Partner credit score vs mine
My partner (who has a terrible credit score) has recently moved in with me. Currently the mortgage and all bills are all in my name only. If he changes the address on his credit providers to my home will this affect my credit score? His credit cards are all in his name only. And mine are all in my name only. I plan to keep…
Can’t Pay Credit Card Min
Hi Done the unthinkable 2nd time in my life! I currently have zero defaults, CCJ’s and 4 credit cards to my name with a total balance of about £30k! Lost my job recently and struggling to pay the minimum anymore on all the 4 cards as it averages about £1k/month!!! As at today, I have not missed any payment but likely this…
Search on credit file
Hi all. I noticed that last summer Klarna conducted searches on my credit file. I rang them and they were vague except they asked me if I purchased a new mattress around that time which I did but I paid in full when I ordered it. They advised me to contact the company I purchased from which was Tempur. Tempur said they…
Defaults when paying , what can I do?
I had a debt from when I was made redundant that was bought by Lowell finance. I set up an agreement for a payment plan and I have been paying on time every month for the last 11 months. I recently got my credit report as we are wanting to apply for a mortgage. This is the only debt I have and I have noticed that they have…
Financial Associations
Please can someone advise. I house share with another person. We are not linked in anyway either emotionally or financially however we recently changed gas/electric supplier on the property we rent to British Gas from SSE. We put the bill in both names as we previously did. We don’t pay by d/d but we split the bill 50/50…
CCJ - Drop Off
Hello all, My 6 years (nightmare) of having a CCJ is nearly up.....18th Feb 2020. It was for a whopping £145 from a private parking company. If I can't pay back £145 I may as well give up now (but that's basically what a CCJ means). Its a long story why I didn't pay, lost court papers, etc. Impossible to prove/defend. I…
possible cifas marker?
I was cleared for a £200 vanquis credit card. They offered me a increase too £500 but wanted evidence I have the income. I doctored a benefit letter to say I get more benefits then what I do. They rejected the letter and asked for more up too date benefit letter in original formate, I send them original letter with lower…
Is a money transfer worse on your credit score than a balance transfer?
Basically I want to do a balance transfer to Card A from Card B Card B is offering me the exact same terms on both a balance and money transfer Card A balance doesn't need to be paid for a few months before the 0% runs out so if I did a money transfer to my current account I could have the money sitting in my account for…
Incorrect default date driving me insane!
Hi everyone! We will be applying for our first mortgage very soon and due to previous adverse credit, will be using a broker and applying through a subprime lender. All of our defaults and CCJ's are >3 years old, all paid off and we have had no issues since. Our current issue is that DH took out HP on a vehicle in Feb 2016…
MSE Credit Club and Experian drastically different on same date
I got an email through from Experian prompting to check my credit score, and got a VERY nasty shock when the summary dashboard showed a 115 point reduction in my score, taking me to the lower end of "good". I then quickly logged on to the MSE Credit Club dashboard, which still shows me solidly in the middle of excellent.…

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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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