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Credit file & ratings

Discuss everything to do with credit checks and credit reference agencies.

Do I need to look through transunion
Hi all Just been looking at my credit file to try and keep it upto date. I've gone through Experian and clearscore but I also found TransUnion which I've never heard of but it seemed much more complicated than the other 2 so I was wondering if i need to go through that one too? Kind regards Mark
Correct 'Authority' to investigate Identity Theft?
Hi, I recently found out someone was operating a gambling account in my name & address. While looking ta my credit file, I noticed that SkyBet were running 'Gambling Affordability Checks' on me, which was odd as I don't have an account with them. So I sent an email over and raised a complaint. Asked them to look into it.…
Missing account on credit file
Hi, I’m really hoping someone can help me, I’ve had a HSBC current account since 2001 but for some reason it has never been reported to the credit reference agencies. I have contacted checkmyfile and they have looked into this and have advised me that there is no record of that account with Experian, Equifax or Transunion…
My husband's banking app shows MY credit report. What should I do?
Wasn't sure where to post this... My husband and I have been together for 14 years now, and got married 6 months ago. Before marrying, our names were (using made up names for confidentiality) Alan Jones and Robert Evans. On getting married I took my husband's last name, so we became Alan Evans and Robert Evans. We already…
Settling outstanding debts not on credit file
Hi I have some outstanding debts from 2012 for which I have been paying £1 a month ever since. None of these debts show up on my Experian credit report (which is rated good) I have been offered a settlement sum for one and wanted to know what would happen if I paid off all these debts with settlement figure, would the…
New MSE credit club says I have opened accounts when I haven't
It says this: You have 1 thing to work on You’ve opened a few new accounts recently You’ve opened three or more new accounts in the past six months. This is wrong, I haven't opened even one new account. Bizarrely when I go into the accounts section there are no new accounts.... It's not a problem as anything I want is…
Fraud Marker
My daughter can't open a bank account or get credit due to a Fraud Marker incorrectly placed on her CIFAS record by NatWest. She has never had a NatWest account or a loan/credit from them. They won't even tell her what led to them adding the marker to her name. This is really unfair and no one seems to be able to suggest…
Missing information and associates
I’ve recently found out that Equifax do not have any record of my bank account or credit cards. So although I use my cards every month and pay off in full this hasn’t been building up credit history. I have over a 300 point score difference between Equifax and Experian. 604 and 986 respectively. I’m in the process of…
Communication from Opos Limited / Sky Card regarding Final Settlement of unknown debt
Hello, first post from me! Over the last couple of months I have received 3 texts purporting to come from Opos Ltd, asking me to get in contact. The texts come from the same mobile number and use same OP reference each time. A quick google reveals the number has been raised as a scam by other people. The message addresses…
Applying for an AMEX CC with a default
Hi, Back in 2020 I received a default. Won't get into the details of it but it was for £30 and I had no idea the bill even existed. Other than that, I pay my bills on time, have a mortgage and have just recently paid my car off in full after using PCP. I'm trying to improve my credit history by getting credit as I did not…
Best thing to do
Currently applying for mortgage and noticed I have an entry on my file for Shell Energy, o/s balance of £183, says started 2014 with same starting balance. It’s all marked as up to date showing US on Experian and U on TransUnion, doesnt show on Equifax. Now I don’t recall using shell energy and I’ve def not had any letters…
Piggybank loans and credit file
I defaulted on a piggybank loan in 2013 which to be honest I was in the process of moving was only £100 I thought it had gone through as was linked to my bank card . Fast foward 7 years later out of the blue piggybank contacted me asking for the money and I noticed they had put hard searches on my creditFile a year after…
CCJ and Open account
Hi all, I have noticed something this morning on my CF and im not sure if its correct (likely is) but just wanted to check. I had a credit agreement that I went into default with; CCJ issued, payment upfront wasnt going to happen, payment plan proposed by me denied so it went to attachment of earning for less then what I…
Default removed and account re registered
Hello I need some help please. So I had some financial difficulties back in 2017 and had no choice but to default on one of my accounts with three the balance was £500. Now six years later the default was removed from my credit file and three have now re registered it with the balance at £300 which is the correct balance.…
EV Finance 2 hard searches...
I appreciate car finance can mean at least one hard search and then return for 2nd sometime after applying. My latest Finance shows 2 hard searches one day. Is this correct.
Victim of Fraud
3 Months ago my husband noticed on Companies House that someone had opened a business very similar name to my business but used MY NAME, DOB but different address in a different county. I emailed and telephoned Companies House explaining what we have found and that i wanted my name to be removed or the business closed…
Cifas Marker (misuse of facilities)
Hi Lloyds bank put Cifas marker on my name in 16 April 18,so on 17th April 24 I did DSAR and it's been removed from CIFAS database. My question is - 1 - I wanted to buy a house and it's been reserved,what is the chances to aprove the mortgage after kne week of Cifas removed? 2- misuse of facilities marker was not showing…
Civil National Business Centre CCJs
I could really do with some advice because I am at a loss as to how to contact this court. My Clearscore alerted me to a change to my report in February and I was gobsmacked to see a CCJ from the CNBC added to it, I instantly called them up but could not get through despite waiting for an hour on the phone. I tried them…
Will this help with my credit score?
I don't have any credit cards or loans. Just a mortgage. I am in need of a loan for a car so will be getting one soon as we have just paid off our PCP finance in full on our other car and need to change to a different car. I want to get an American express CC to rack up air miles. I also want to get a second CC with 0%…
An Adverse Utility Account settled in 2016 (not bankruptcy) is still on my credit report?
I had a dispute with Npower during 2015 which went to the energy ombudsman and was eventually settled in 2016. There were numerous errors by Npower and an agreement was reached. This was a period where Npower had major billing problems. The adverse account is listed with the 3 agency 'Check My file' (under Experian…

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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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