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. See the Community Noticeboard for more info. 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 August 2020

Does using and obviously paying in full a credit card really boost your score ?
Mine is fair at the moment so I applied for a Marble card and they’ve given me a £600 limit which I think I read is good because over £500 is a good sign of being trusted. I spend about £600 a month on food shopping so should I put everything on there and pay it off in full to boost my score in time to apply for a mortgage…
Moorcroft letter
Hi all, First post on here so I apologise if it’s placed incorrectly within the forum. In March of this year my partner and I purchased a new build property. As with most developers they use British Gas for electricity & gas. As you can imagine when we moved in it was just as the UK went into lockdown, so we were unable to…
BT Default on Experian but not on Equifax
I have a British Telecommunications PLC default on my Experian Credit Report I know nothing about I had an account with them from 2016 to 2018 when I changed from BT back to Sky due to the internet keeping dropping out. When I closed my BT account there was nothing…
Klarna - issue coming up in hard searches
My credit file is showing a hard search which is effecting my credit file. Klarna is not meant to conduct hard searches for lending/ pay later options. According to their customer's services it is sn issue their end. I have raised a complaint. However, it is now effecting my lending i.e. I can not use Klarna at all now and…
Default and company gone into administration
In 2015 I defaulted on a wageday advance payday loan. This is due to drop off my credit report In sep 2021. I am hoping to apply for a mortgage before September. Wageday advance went into administration for claims for irresponsible lending , which I was a victim off. My understanding would be that if they have lent to me…
credit rating ex but no credit
Hi Need some help/advice, I have checked with all the credit reference agencies and have a excellent rating on all but cannot get credit anywhere. I notice that there was a slight difference in address from one to another (this is not real address but an example -this would be correct - 564 jordan house, 254 gents street…
Really perculiar situation.
Hi, thanks for coming to the forum, any help would be greatful. So I had an accident a few years ago, and it was made worse by the surgeon who didn’t know what he was doing. Long story short I’ve had 8 surgeries and as a result have lost out on a lot of earnings, and ended up falling behind with my bills. To conquer this I…
Moved: Advice please
This discussion has been moved.
Credit File Dispute Marker
I disputed an account on my Equifax file that had been re-added after it had dropped off after the 6 year default period. Equifax added a notice of dispute message to my credit file supposedly warning possible future creditors that my file is not correct due to a dispute. The disputed account has now been removed but this…
Credit Club says DTI high
According to Credit Club I have a high DTI. As I understand this is based on min payments for credit cards and loan and mortgage repayments. On that basis mine is 36% which doesn't seem to be particularly high, however I rent so do I need to include that? Also do I need to include other payments like mobile and cable TV…
northumbrian water not on file
hi all, 1st posting i lost my previous acc under same name anyway, been a great reading this forum and thank you all ive looked at my free file and its really is perfect not 1 late payment defaults etc etc credit avail 25k debit on freecard 3.5 will be paid off by xmas and all closed accounts paid and excellent only thing…
Defaulted on an car payment unknowingly
Evening all, I financed a Hyundai through my local dealership on a 4 Year deal. The two year mark was reached in Feb this year, we decided to voluntarily terminate the agreement, they collected the car, no additional charges and there was a balance of £1000.00 to pay. Santander contacted us to make the final payment and…
n443 form - where to send?
st katherines house, northants address right? thanks in advance
AP on Experian
I just got my credit reports from Experian and Equifax. On the former my score is “Very Poor” and on the latter it’s “Excellent”. It appears that I have had an AP marker (?) against an old Barclays account for 3 years. I had no recollection of this but the bank contacted me recently to say that the account was in default…
Where does a promotional rate show on your credit report?
Hi all. Long time lurker, occasional commenter and first time poster! I've read on here a few times that when you have a promotional rate on a card (0% APR) it flags this under the account on your credit report. I've looked at all three of my reports and can't see the 0% rate reflected anywhere. Is this normal? I don't…
worried national insurance number
I've sent my sick note to a wrong email address that has my full name and national insurance number/Phone number on it,Is it possible that can gain anything from this?
Debt collectors
Hi Vodafone have sent me to the debt collectors for a 'non paid ' bill. This should not have happened as subscription was cancelled with no fees. This is not my fault and now today after months has finally been sorted but will this affect my credit rating and score. Extremely unhappy
Clearing up my credit file
My partner and I have managed our finances badly for years. We have been guilty of ignoring things, and overspending. Our debt in £ not terms isn’t a huge amount, excluding car finance we’re talking low thousands, we earn £28k and £43k. i have looked at both of our credit file son totally money. We want to be able to save…
Shop Direct and Lowell both show same debt on credit report.
Hi On my credit report I have 2 defaults from Shop Direct and Lowell for the same debt. I’ve nearly cleared the debt now and this shows on the Lowell default but the Shop Direct account shows the full debt. I also believe the date of the default is about a year to late. However, I’m having trouble with Very has I have…
Shutting credit cards to improve score?
Currently trying to get a mortgage and my broker has said i should consider shutting my £10k credit card because I don;t use it and that closing will increase my score. Is this true? I keep reading conflicting things on this - shutting means less credit availability so it makes me safer, but keeping it open shows lenders…

★ ★ ★ 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