Credit file & ratings

Archives for June 2021

Zero Balance / Credit Rating
Hi - I was looking for some advice. Virgin Money have told me that paying off your credit card in full every month doesn’t count towards your credit score at all. I’ve been paying my card off in full every month to maintain and improve my credit rating, but I was told that it doesn’t matter. I complained about this as I’m…
2 of 3 credit agencies have me as not owning credit cards when I have two
The details were correct before but I just moved house and sent the electoral roll my new details but the electoral roll in NI is being completely refreshed on 1 July so it hasn't updated yet. Have I just fallen through the cracks temporarily as I have updated all my addresses with banks etc but the agencies can't match me…
Need Advice
In May 2015 had a DRO which included a debt for rbs amongst others, in may of this year 2021, was the 6 year mark and thought that all these would fall off my credit file, in some instance it did, on equifax and transunion, but for some reason notice that my score did not move to where i thought it should be on experian,…
Ski-ing up slope!
Hi All So my family have been given the opportunity to purchase the house we rent or we will be served a Section 21 notice and given six months to find a new home! The owners are being very nice about it all given we've a young family of three children and offered the house at an amazing £30k discount from market value!…
Impact of paying off loan early on credit raiting, considering applying for mortgage
Hi,Ive had a santander loan which im just a few months away from paying off. Never missed a payment. Theres just a few hundred quid left which i can easily afford to pay off early now. Would doing so impact negatively on my credit score? My girlfriend and I are considering looking at first time house/mortgage soon so just…
Mortgage declined why???
My daughter and son in law want to buy their council house (value £80k plus). Because of son in laws military service they can buy for £38k. Son in law no debt but daughter bad credit rating due to ex. So going for mortgage in his name only but deeds in both. He did his own credit search .... no issues but HSBC declined…
Low credit score
So I have a relatively low credit score due to not having had any credit in the past, I've never really felt the need to get a credit card or finance on anyth like phones or cards, so because of this my clearscore is showing a poor score,they recommend a credit builder credit card from capital one, is there any other ways…
Overdraft Default removal success story
Just wanted to post this here to encourage people. I had a default from Halifax from October 2017 (only blot on my credit record now and due to last til 2023) relating to a student bank account which had been inactive since June 2013, but on which I had left an overdraft of £985, which then suddenly had fees charged on…
Credit score
I sent a post concerning how my credit score had been impacted due to changing energy suppliers. Who took the decision to end discussion and why? I'm a newbie did I do something wrong?
LCS Debt Recovery at it again!
LCS Debt Recovery have been at it again!Total scam artists:Sent a letter to a distraught family member claiming they were in default of an SSE billThe letter is NOT company headed letter from LCSThe letter appears to be and is pertaining to be from SSEThey state, as SSE, that they have had to hand it over to LCS for…
default notice updates
Hi all, I'm brand new to all this so please forgive me if I am posting in the wrong area or what have you. During 3 years of homelessness due to illness, I defaulted on my Amex credit card. Within they're rights, I now have a default notice on my credit file. I am now in a repayment plan with them and hopefully in a few…
Clearscore Interpretation
Hi everyone, I haven't been resident in the UK for about 4 years now. However, I am due to come back to the UK next year. I tried checking my credit report but experian and MSE Club says Verification Pending, Clearscore shows me my details but I am confused as to what this picture means The loan account was with Barclays…
Unfair default
Hopefully this is in the right section of the forum!My credit is fine, but as we’re looking to buy our first home, turns out my partner has a historical default against his name and I wanted to ask what we should do about it. He was 18/19 at the time and it was his mum who actually dealt with it, but she’s not well enough…
Santander close account 2010
Santanderclosed accounted 2010 - defulted…2011 -passed to Robinson way Getting stament every year is for information only, you don’t need to take any action or contact us I reposne to this Credit and debits is blank but says amount owe is 731.04 I Call them they said it’s unlikely to be passed onto a debt agency but it…
Watch out
Always being told to switch energy suppliers, which I did, don't ever remember this could negatively impact your credit score. Even though in credit with " new supplier" perhaps it's in the small print in all the advice to switch.
Default Removal - Financial Ombudsman Service
Hello all I made a complaint to the FOS last year regarding the NatWest Group (5 cards across the group - 2 with NatWest, 2 with RBS and 1 with Ulster Bank). The cards were in default stage and with a third party but I was always confident they should’ve never been given as all were given within 6 weeks with a combined…
DDIC & Credit Rating/History (Direct Debit Indemnity Claim)
Hi All, I've a question about DDICs and Credit Rating/History. I've opened a dispute with Ofcom/CISAS regarding my broadband supplier's charging for an Openreach engineer's visit (short version: at height of first lockdown I had broadband issues, supplier sent Openreach to fix problem, engineer confirmed issue was at…
CCJ from June 2015
I have a CCJ dated 29 June 2015, the debt has been settled. If I want to apply for a credit card with a view to rebuilding my rating should I wait until after 28 June this year when I presume the CCJ will drop off my report or would just a few days not concern a lender?
Refused additional borrowing on mortgage
I'm after some advice please. We've just been refused additional borrowing on our mortgage due to 'credit score fail'. No other information has been given. We've checked both our scores and there's nothing in them that can explain it. It doubly frustrating as we had passed the credit score check and were just waiting for…
Debt collection
Hi, I’m looking for some advice please. I had a an NHS lease car and handed it back in at the end of March this year as I was leaving for a new job. I received a letter in April with a bill of £233 for going over mileage. Completely forgot about it and then at the weekend received a letter from ACT credit management ltd to…

★ ★ ★ Meet your Ambassadors

MSE News

Bank of Scotland, Halifax and Lloyds to close 177 branches in 2024/25 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 177 of their bank branches in 2024 and 2025, the Group has confirmed.
Barclaycard's cutting minimum repayments – you could be in debt YEARS longer paying DOUBLE the interest
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest.
NatWest, RBS and Ulster Bank to close at least 100 branches in 2024/25 – here's the full list, plus alternatives
NatWest, Royal Bank of Scotland (RBS) and Ulster Bank, which are all part of the NatWest Group, will shut at least 100 of their bank branches in 2024/25, after RBS announced a further 18 closures.
Co-op Bank customer? You could be moved to Coventry Building Society in future – here's what's happening
The building society has today agreed to a potential takeover of the high street bank – though it's still very early days and the deal needs regulatory approval.
Got a text, email or letter from the Met Police? Don't ignore it – you may need to act to protect yourself from scams
If you got a text message or email from the Metropolitan Police between 4pm and 6pm on Wednesday 17 April – or you get a letter in the next few days – don't ignore it.
Save up to £1 on your takeaway coffee – while saving the planet
Many of us regularly reach for a cup of coffee or tea to give us a caffeine boost, but if you’re out and about and can't bring a thermos from home, the cost of this can quickly mount up.
Chase customer? Check if you can get its boosted 5.1% easy-access saver
If you have a Chase current account, you may be able to get a table-topping 5.1% easy-access savings rate to go with it, as the bank has launched a new, temporary bonus offer for some existing customers.
New online state pension boosting tool promised to Martin Lewis hit by delays – here's what you need to know
The tool was first promised to MoneySavingExpert.com founder Martin Lewis on ITV's The Martin Lewis Money Show Live last summer and was expected to launch before the end of the 2023/24 financial year.
Spotify to hike prices by up to £24 a year – here's what's happening
If you've got a Spotify Individual, Duo or Family account you'll see prices rise by up to £2 a month (equivalent to £24 a year) in a month's time, the music streaming service has announced.

View All

Credit file & ratings

Discussion List

Get our FREE Weekly email full of deals & guides - and it’s spam-free