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Credit file & ratings

Archives for July 2020

MSE Credit Club - does it share info with credit reference agencies?
I was just signing up for the Credit Club out of curiosity, but it's asking lots of questions about my personal circumstances that I don't feel comfortable sharing with CRAs and god knows what else. Obviously, I know I need to give my name, address, DOB and card/account details to verify my information But I'm specifically…
I DON'T EXIST
I've been in the country for about 5 months. I have a bank account, debit orders for council tax, TV licence, gas/elec/ internet. Using Credit Ladder to track my rent. Council added me to the electoral role on 1 July. But I don't exist. Speaking to a loans company (for a car) I am told I have a good credit rating, they can…
Catalogues
I've managed to pay my littlewoods and very accounts off in full (at last) would it damage my credit score if I rang them to close the accounts
Will lenders you have defaulted with ever lend to you again?
Hi, my credit score is improving and previous defaults are no longer on my credit report (I think the answer to this question is probably yes but internet research hasn't provided any info.) will any of the companies you have defaulted with lend to you again in the future or regardless of a good credit report will you be…
Elevate Loans Added Wrongly
Hi, Ive been slowly improving my credit score over the last year after years of mismanagement. At the end of June I was sitting at around 410 which was a big improvement for me. I use ClearScore. As the end of each month nears I’m always living in hope of a slight increase which normally always occurs. It was with utter…
New house - declined credit card
Hi there. After some advice. I recently moved into a new build house 14 months ago. I have applied for 2 cards and a personal loan over the space of 3 months and been declined each time. However as a test I used my old address and I got accepted both times for the credit card. I have a fairly decent credit score. Never…
Tenants taken out loans in my name
I'll make this as brief as I can sticking to the facts alone. Tenants moved in last July 2019. Went through an estate agent who also managed the property. Tenants defaulted payments almost immediately. Attempts at eviction were delayed due the Christmas period, and the estate agents being exceedingly slow. The tenants…
Just found I have a ccj
A letter from the debt collection agency saying u need to pay this or the bailiffs will come. Because an old dvla invoice went to our old address and the people didn't forward any letters on so its been escalated so now has a ccj I am now worried. What shall i do. Please advise Thank you
HSBC Student Overdraft
My son has, for the second year in a row, not been allowed to extend his overdraft. He uses it during the year but never goes over and has funds regularly deposited into the account. The bank cannot explain why or state the reason for their rejection of his request. Apart from changing banks, what can he do to secure the…
Credit Building for the first time, cards and advice?
Hi all, firstly thank you for looking at my thread! My question surrounds building credit for the first time as a recent student who has just secured a full time job, I have been a long-time lurker on the forum and have some understanding but would be eager to know more and learn. I have taken out my first credit card with…
Car leasing
Hi, I need alittle advice as I’m unsure what to do. I took a car lease out back in Sept 2018 and in April 2020 I was made redundant. Early May I asked for a payment holiday hoping I would be back in work however I am not. I ask about voluntary termination but they said they don’t do that and I have followed all…
Credit scores and defaults
Hi everyone - I’m new to the forum and have a few questions on the above. I’ve been registered with Credit Karma and MSE’s Credit Club / Experian for ages - my CK score is 558 - needs work, and my CC score is 793 - fair. When I’ve emailed KC before they’ve told me I have a default due to reach 6 years in November of this…
Credit Score damaged by energy switch
I keep an eye on my credit score via Credit Karma and Experian and I’ve done everything I can to improve my score (which has been classed as “excellent” for the last 5+ yrs) when I checked last week my score had dropped and as a result I fell into the “Good” category. I had a look and the reason for the drop was that I had…
Electoral register
On my credit report states not on electoral roll. I am confirmed with Council how do I get this put right on my credit report file with Martin Lewis thank you
Ex partner using my address
My estranged husband is using my address for mobile phone contracts etc , I keep receiving debt letters addressed to him but at my address what can I do ?
Pay off car loan before taking another better for credit score?
My credit score is excellent I have an outstanding balance on a carloan and we are looking to trade this car in to get a new one. Would I be better paying this off before applying for a new loan or would it not make a difference to the new lender? I have just got my credit rating back up after a drop 10 years ago and…
Non-existent products on Equifax verification?
I have recently tried to get my statutory credit report from Equifax to check that there are no errors. Due to having just moved in with my partner I am having difficulty verifying my current address as I have no documents with it on as yet, so I can't see my report. When I attempted to access my report there were a few…
So had texts from MyCRS.co.uk about 3 bill
I have been getting a lot of calls a debt collection company recently regards a 3 bill or so they say and today I got an SMS from them with link and amount to pay. Now I have spoken to 3 and they say I have nothing outstanding and additionally I haven't been with 3 for about 7 years! But these people have all my details -…
Bankruptcy/CCJ
Good evening can anyone help please???? I was made bankrupt on 23/09/16 and discharged on 23/09/17, I checked my credit report today and I still have accounts from CapQuest & Lowell showing as open with balance still owing as full, even those these were included in my bankruptcy. Also I have two CCJ's that were raised in…
Credit Club - Additional Household Income Query
Hello!I am trying to sign up for the Credit Club, and I've got to the section asking about 'additional household income e.g. your partner'. I am currently in a flatshare with two people who are completely unrelated to me. We don't have any joint accounts (other than council tax because we all live at the same address). Do…

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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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