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. 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 May 2020

Virgin Media has ruined my credit rating
Hi During 2016/17 I had an ongoing dispute with Virgin Media who had installed the router a cupboard behind a sofa. We had to move the sofa every time we changed a tv channel and could not get wifi except in that room. They offered to move the router if I paid them. I refused to pay more money. They offered to send me a…
Credit karma incorrect
Hi there, Just checked my credit karma report and it’s saying I’m not on the electoral roll at my current address. Experian and clear score show that I am so I’m not sure why... I understand I can dispute it but would need to provide evidence. Can I just screenshot my other credit reports or do I have to go through the…
Why is my score so low?
Hi all I turned 18 last year and opened a phone contract in December as my first line of credit and was accepted! I went to apply for a 2nd phone after paying for the first phone for 6 months on time and was rejected from 2 places! Checked clear score and my score is 239! I thought it would be higher after I’ve payed on…
Late payment removal ? URGENT! Please advise
Hi all and thanks for taking the time to read this. In 2008 I took a £12,000 loan from Natwest because I had broken my leg and was unable to work. I was repaying £200 pm until around 2014 when I suddenly began to have serious income issues. After going through lots of personal problems and failing to keep up with my…
Building up credit score after CCJ
A few years ago I got myself into a bit of a mess. I lost my job and suffered with my mental health pretty bad and ignored all my payments. This resulted in a few defaulted Accounts and a CCJ. Since then, I’ve got myself back on track but obviously have a really bad credit score. It’s on 499 on Experian and has gone up in…
Seperating Credit File from Ex
Hi all, after some advice from you knowledgeable soles. I separated from my wife some years ago, and the Decree Absolute came through in November 2019. My ex, before we were legally divorced, undertook an IVA and one of the debts rolled into this agreement was a joint account for £2.5k. Because of bad advice from the IVA…
Is Equifax down today.
Is Equifax down today, my login is failing to 'there's is a problem with your order'
Confused as to why my credit score is so low - help
I'm wanting to apply for a new credit card as my current one with 0% interest on spending has just run out. I just did the eligibility calculator for the top 0% interest cards and got '0% chance of acceptance' for all of them. So checked Clearscore and my credit score is 372 (out of 700), which according to their website…
Transfering credit history abroad?
If I was to move to the USA for example, can I somehow show my credit worthiness based on my UK file? Or individual lenders like AMEX, would they "see my past'? Otherwise is it literally a case of having to start at the bottom? Seems mad I can diligently pay amex for decades with perfect account handling and then get the…
Limited address history for CRA sign up
Hi all i am trying to sign up for clearscore and MSCE credit club in order to keep track of my score but its asking for at least three and six years of address history 'in UK'. I moved to uk less than two years ago. I was able to register with creditkarma which means my name and address combination is unique and other CRAs…
Aqua default amount showing when sold to Debt recovery
Hi all I am working to clear all of my debts and, thanks to a house sale have done this successfully, my question is I had an Aqua card which they sold to Cabot and marked as default, (correctly) however I have now paid off Cabot but the Aqua card still shows an amount and as a result shows I am over using my credit card…
Credit score drops after opening executors account.
I am an executor to my cousin's will. Myself and the other executor opened a joint account with HSBC to administer his affairs. It was explained to them, when we opened the account, what the purpose was. Opening it took nearly three hours at a local branch! However my credit score dropped by 15 points because of this. We…
Bank account missing and savings not counted
I am fairly new to the credit score world. My score is very good but one of my accounts does not appear on the record at all also I am being scored down for not having disposable income, but I pay a good chunk into savings each month leaving only a little in the account. Any advice on this please.
Credit rating.
Hi there. Over the past months I've been gradually paying bills and reducing my debt. However this month, for some reason my credit score went down 10 points. Why is this? Surely, it would go up with less debt I'm paying off right?
CCJ no longer on file but it’s not been 6 years
Afternoon! I previously had a CCJ which was issued on 1st July 2014, this was then satisfied in 2019. However now when I check my credit score on Experian the CCJ doesn’t show up. It’s been almost 6 years so is this the reason? I only ask as I’m looking to buy a house soon and when I last spoke with a mortgage advisor in…
CIFAS MORTGAGE MARKER
My daughter had income details in increased for a mortgage application, Nationwide the lender registered the fact in 2018, the mortgage was completed in 2016, will this marker automatically be deleted after six years? and if so six years from the date the property was bought or six years from the date it was noted by the…
Credit Rating Default & Mortgages
Looking for some advice on my credit rating. I have been in dispute with EE for a number of years over the cancellation of a contract. They have admitted their error (over the phone) in not cancelling the account sooner, which left my credit report showing a "Default" Official complaint was made to them, which they dragged…
Credit availability after CCJ
My wife has a CCJ and a default that fall off her credit file in July this year. other than these negative factors on her account...her report is clean....nothing paid late and all accounts up to date. when the CCJ falls off therefore....does she instantly become more credit worthy ?Thanks
Chance of default removal?
In late 2018 I was in a very bad car accident which left me in the hospital for over 3 months (11 surgeries in total), being self employed this completely destroyed my income and upon leaving the hospital it was a further 7 months before I was able to get back to work. As a result I defaulted on 2 credit cards that I had…
Electoral roll and mortgage application
Hello, I’m currently renting and was looking to apply for a mortgage now. I registered with the council when I moved in October 2019 and thought this included the electrol roll but it didn’t. I wrote the the council in April and I’m now going on the roll on the 1st June. Will the fact I haven’t been on it for eight months…

★ ★ ★ 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