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Credit file & ratings

Archives for January 2021

Credit rating decrease after defaults removed
My credit has decreased my 2 points, but should have increased significantly because 2 defaults and a few missed payments just got removed and no other changes . Other then 2 loan rewritten Plus I have no other defaults ccj or anything How can I find out why it got worse Checked on credit karma
Credit search in short space of time
I purchased a 2nd hand car through a national dealership, I took out my own finance.Within 30 days, the car developed issues, following independent assessment, the faults were known at point of sale, thus, I rejected the car through my finance company.Long story short, the dealership now have the vehicle, and finance has…
A Third Parties Credit Accounts Appear on My Credit Reports Similar Name Same DOB - Help?
Can anyone help me please, I am totally at a loss. In 2019 a Credit Card Company had incorrectly combined my account with a third parties (similar name, same DOB), I disputed this and contacted the Financial Ombudsman, I was paid Compensation, HOWEVER I now have 16 of this persons Defaulted accounts linked to my credit…
Virgin media closed account showing outdistancing
Hi I have been on my credit file and I still have my virgin media account showing as not updated or closed and owing money yet I made the final payment and the account was closed as far as I was concerned, I’m not getting any late marks or anything but the account hasn’t been updated since October when I left virgin.…
Damaged Credit Report - I want to sue
I ordered an O2 Sim(Contract) around Sep/Oct 2018. The sim never arrived and I found a better deal else where. I called O2 and we discussed the issue at the time. They confirmed that the SIM hadn't been used and said they would refund. I took their word for it and saw a portion of the refund on one of my accounts. I…
Not eligible for credit cards - how can I increase my score?
I recently paid off £12k worth of debt that was accumulated at age 19 by a toxic ex. I’ve now 21 and have paid it all off. This was a massive achievement for me because my debt management company predicted I wouldn’t have it paid off until I was 23/24. However, I’m now left with a credit score of 116 and want to boost…
DEBT MANAGERS GDPR
I have recently discovered unknown debt on my credit file , using my name ,dob but not my address , the debt is owned by debt managers for £300 odd pounds , I have reported to action fraud and emailed to debt managers explaining my situation they’ve asked for proof of my proper address which I have done , I’ve given them…
Credit score
This discussion was created from comments split from: Safety net credit and debt help.....
Bank not sharing account with credit agency
It all began in March last year. Marbles offered me a 0% money transfer for 12 months all I had to do was enter my bank details and they would transfer the money. This is where it gets tricky it wouldn't let me complete the transfer so I called marbles and they said it's due to my account not being on the transunion file.…
Settled account on credit file
hi all long story short- I made a large purchase last year which I used credit for. The supplier did not deliver the services which resulted in finally (after help from citizens advice) getting a refund and thus my finance being refunded & cancelled. ive now noticed on my credit report I have a ‘settled’ account, which…
Need a new bank account
£90 appeared in my daughter's bank account and then her bank suspended her account pending investigations after someone made an accusation against her re fraud. She denied it and had no idea who the person was and no idea how they had even obtained her bank details to pay any money in. However, after several weeks, the…
Credit Score Staying The Same
Hi, I was wondering if anybody can help me please. I mainly use clearscore to keep an eye on my credit score which is currently at 379 but it’s been like that for 4 months in a row now. I had a bit of a nightmare in 2016 when I lost both of my parents, missed some payments and got a CCJ in this year which was settled over…
Default
Advice please, A friend has a default on credit file mail order, just under £1500, now settled. Parent had persuaded young person to open an account due to their own poor credit . Young person naive and trusting of parent. Payment was being taken from parents bank account and parent was down as point of contact. Young…
Annual Income
Hi i am looking for some help, I have a question regarding the annual income section on the credit club/clear score sections. I am in both paid employment and i am also self-employed. Do i take the employment figure and the 19/20 self assessment accounts figure and input it as a total income or do i take the employment…
Moved: CCJ Removal
This discussion has been moved.
Excessive Defaults listed?
I know four Defaults doesn't paint a very good picture but can someone tell me if this is being shown correctly as six? I did query this with the reference agencies and their reply was "this is the correct way to show this". I had four payment arrangements which were showing as defaults and I was making payments without…
Moved: CCJ for a private firm parking ticket- incidental find. All correspondence went to old addre…
This discussion has been moved.
I’m I opening to many credit cards
So basically after going through a divorce 10 years or so ago credit history took a huge hit missed payments ended up with defaults and 2 CCJs and have been slowly paying off all debt related to these. so defaults are gone have 2 ccjs showing one soon to be paid but will have another 3 years active on my credit file the…
Repayment Plans effect on credit score
I will be wanting to re-mortgage in the future but want to build up my credit score first as it is not good. I have been left some money after my Mum died. I have several credit card repayment plans in place that I want to get rid of and have been offered a deal to pay off 20% of the balance and it would clear my account…
Lloyd’s Bank - Cheque Fraud - CIFAS Marker
Hi, No excuses, just the truth. I recently received a check for £80, I was in a bad financial situation due to losing my job thanks for the current pandemic. I do not claim any benefits. I amended the cheque to show £480 and I cashed in via the mobile banking app. A few months later, I received a TEXT from Lloyd’s saying…

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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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