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Credit file & ratings

Archives for November 2020

Moved: CCJ Advice Please!!
This discussion has been moved.
Settled account on Experian
Hi. we are in the process of remortgaging but we have one hurdle in that an interest free loan for a sofa which was paid off in full a month ago is showing zero balance but not settled and the lender won’t move forward until it shows settled. We have spoken to Creation and they say they have updated their end on 26th Nov…
Taking out Finance
This is my first post. I am looking to take out 0% finance on an iPad. However, I am concerned there may be some issues with me getting approved, relating to address mismanagement on my behalf. I moved out of my mum and dads in 2014, and lived in [X] until 2017. From 2017 onwards, I have been living in [Y]. However, I have…
Different facts reported by Equifax and Experian
I'm hoping to buy a house next year as a first time buyer and am trying to get my credit record in order. This forum has been really helpful and stopped me stressing over numbers and little details. But there is one thing that concerns me - an £80 default Vodafone recorded largely due to administrative mess ups and me…
help!
Really needing some advice please, I have debt with southern water £1,500, this debt seems to have been passed onto uksearch they have sent me two letters, I am currently trying to get a mortgage and this doesn’t seem to be on my credit file…yet! I really don’t want this going onto my credit file during my mortgage…
Phones 4 U/ Vodafone Default
Hello, I am looking for some advice about a default on my credit report. Some background, in 2014 I took out a phone contract with vodafone through phones 4 U, I took the phone home and realised in the first day that the vodafone signal at my home was terrible, i had a 14 days grace period in which to return the phone so i…
New address added
Hi my credit rating has dropped 200+ points. The reason given is “new address added to mortgage” does anyone have any suggestion as to what’s going on?
ID Check on Credit file
Hello, I've noticed an ID check on my credit report, from a company I have never dealt with. Have contacted them and have been told they will investigate, but cannot tell me anything further due to data protection. Not happy with this response. For better protection I want to set up an alert on my credit report file. Has…
Halifax AP Marker & Ombudsman
Hi everyone, first post here, sorry I have no idea what I'm talking about but I'd really appreciate some advice! For background I am young man with mental health difficulties, and recently I was diagnosed on the autistic spectrum. So - I have a Halifax bank account. Until recently I had a £400 overdraft that I was…
AP marker on credit file from 2014 when will it be removed
Hi just wanted to ask some advice. Apparently I was on a weekly payment plan with my water bill in aug 2014. I didnt pay weekly I payed monthly as that is what I thought it was. Anyway I checked my credit file and from August 2014 up until December 2014 is showing as AP every month. Jan 2015 and Feb 2015 showing as red…
IVA/Debt arrangement scheme due to fall off?
Hi everyone. Cutting a very long story short, a debt arrangement scheme (showing in the court information of my Equifax report) is due to fall off my report next month (Started 10/12/2014) - I have a couple of questions.. Does anyone know if it immediately falls off, or if it takes some time? (I am in no rush its just for…
Moved: Will we get approved by Aldemore?
This discussion has been moved.
Credit Score after DAS arrangement scheme
Hi, could someone please advise me - In 2013 I setup DAS arrangement scheme with several creditors this was completed in 2015. All creditors reported default date & dropped off my credit report in 2019 except Bank of Scotland. I had a current account & outstanding overdraft, they agreed my repayments each month however did…
CCJ raised after statute barred - now threatening me with baillifs 2yrs later
I have been refused a mortgage due to a CCJ being entered in 2018, 2yrs after the debt became statute barred. The debt company, Lucas Credit Services have said a payment was made on the account in 2013, which is a lie. I asked for evidence and they have said they will not send me evidence unless a a solicitor asks for it…
Electoral roll changes?
I’ve had a notification from a credit agency that I belong to this morning telling me that my electoral status is changing.I’m being removed from the electoral roll cycle and have been added to the rolling register. I’ve not been able to find any information about this in Google so I’ve no idea what the difference is or…
Default
Does this mean the default is being removed, It would appear due to an error which occurred with our Cais report which reported this default as being a loan instead of a mail order. This error has since been rectified and we are sorry for any confusion caused as this was never our intention. Please be assured our Cais…
Clear Score
I have a clear score account. They’ve been in touch to say someone tried to set up another one in my name in January this year. They want me to send a copy of my driver’s license. I just wonder if anyone else has had this as I don’t want to do something stupid and give my details away. Any help appreciated. Thanks,…
Wrong name on utility bill
Hi, I'm looking to get a mortgage in the next few months so am getting my credit file in order. In doing so I have noticed that I have an old closed Anglian Water account that has my name and gender wrong. My surname is correct, but my my title is wrongly showing as Miss and my first name is showing as a femisinised…
Life after a debt relief order
Hi there.I finished my 1 year debt relief order in July this year and was wondering if anyone has any tips or help on how to boost my credit rating.am currently not eligible for anything.I still have my bank account but no overdraft.am renting but wish to move in the future.this means a guarantor.I wish to stand on my own…
CURRY'S/PC WORLD FINANCE/ AKA CREATION FINANCE - YOUR PLAN
As per the title, has anyone had any dealings with this either in the past or very recently. I recently got accepted for a buy now pay later interest free 6 months. The item i bought cost 900 and i have a credit limit of £2,000. However, i tried to purchase something else for £1000 and got rejected even though i was inside…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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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