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Credit file & ratings

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

Good credit score but turned down for credit cards
If ever there was an example of how pointless these CRA credit scores are, this sums it up perfectly for me. Effectively over 95% score, yet marked 'very weak' in the affordability assessment. I've never missed a payment in my life and have plenty in the bank, but am stoozing as much as my credit limits allow (was roughly…
Bank Credit Rating
I was diagnosed with Prostate Cancer a year ago. I was about to cross to another job and rather stupidly confessed I'd had the diagnosis. The new company dropped me before I had a chance to sign the contract. This left me without an income and I had to sign on to the ESA. I then asked my bank (HSBC) for a 3 month break on…
Credit before Moving to UK?
Hello all, looking for advice on if there is any way to get a junp start on credit before moving permantely to the UK. Currently in Canada not movning until next fall. Have an address in the UK and citizenship if that matters at all and a UK number (no a full local contract). Is there any bank account I can open or…
Default removal agreed but still shows after 3 months
I managed to get my water company to agree to remove a default, and my credit score shot back up on my Experian account pretty much straight away. I was told that it would take 6-8 weeks for my default to be removed, and I can see on my multi-agency credit report that it's still showing on Transunion. It's been almost 3…
Crediva CRA Statutory Credit Report
Has anyone ever requested online a SCR from Crediva, seemingly touted as the 4th of the "Big Four" CRAs? Have to say I'm very sceptical about them (but then I'm easily spooked!). I completed the online application fully with all requested information and accompanying ID (screen caps / prints taken as usual) and got the…
Mystery Address Acquisition??
Hi all, hoping you can help. I just logged into a credit report app and it asked to confirm my address, suggesting an old one, a new one, and MY FRIEND'S ONE!! Saying 'based on your last credit report'! My friends address is the one I'm registered to with my GP, because I moved town but have a lot of chronic health issues…
CCJ dates - little confused ...
Hello - I am dealing with a letter from Cabot which states they have a CCJ for £440.00 for my wife sent to an old address ... OH is unwell so I am helping her ... They state the CCJ was obtained 05 April 2018 - so would the CCJ die off today ? or ? I know they dont die CCJs (even those unchallenged sent to an old address)…
Credit file and defaults
Hi all. Wondering how and when my credit file will be better...I have a bunch of defaults due to drop off this year. Since this period of financial hardship/health issues when I was served the defaults my income has doubled and I actually have a healthy savings pot. I've linked my bank accounts to Experian hoping this will…
CCJ/Consent Form Help
Good Afternoon Everyone! I have been given a CCJ for an overpayment in a previous job, which i accept. I was disappointed I got a CCJ because it could have been avoided if we put a payment plan in place. The ccj was put on my file in November, I have been paying the ccj back to the company, they have said once it is fully…
Late / Not Late .. disputed credit marker
Hi all. We had some family health issues last September so I contacted our mortgage lender and asked them how late I could pay before I got a late marker. They told me that provided it was paid by the end of the month, I wouldn’t get a ‘late’. I paid on the last day of the month, when I got paid, but still got a ‘late’…
HSBC changing default date on credit file?
Hi there, I defaulted my HSBC credit card in 2017 due to significant ill health at the time. It was registered as a default (along with a few other accounts) with a date of 01.03.17. The account was sent to a debt collection company and I'm still making repayments to clear the account. Last year as other defaults started…
Loan company admitted error - CCJ removal
Hi all I am currently in the process of sorting out my debt mess and making great progress, thanks to advice and posts from here. I'm in such a better place. At my lowest, I took out a loan with money boat who are no better than the pay day lenders of old. The initial loan was for £800, and spiralled to me owing them…
Late VS Missed payment
is a missed payment when I’ve missed the due date? If so what is a late payment
Incorrect Status 8 on Credit File by ADMIRAL FINANCIAL SOLUTIONS LTD
So, it turns out there are some mistakes on my credit file, specifically a default (code 8) that shouldn't be there. This happened after I returned a vehicle to them in December 2023 to ADMIRAL FINANCIAL SOLUTIONS LTD. Unfortunately, this mistake has caused some serious problems for me. My mortgage application got rejected…
Help with bank switching and Credit report
For a friend can she apply for a sim only contact if she has done 2 switches Lloyds and NatWest with a hard check on her credit report and purchased car on finance
Default date discrepancies
Hi all I went on a DMP in Feb 2018 after falling on hard times due to changes to IR35. Long story short, I had 5 credit accounts and 3 of them registered a default in April 2018, 1 in Dec 2018 but a FOS decision made them change it to April 2018. 1 account just didn't register a default at all but rather just late…
Very unfair credit score movement!!
I hate having to use a credit card, but when I do I try my best to pay it 'IN FULL' My credit score is normally in the 'good' bracket, I think it's around 670. My wife is going on a cruise in a couple of months and for security I paid for it with my Santander credit card, which has a limit of £1800, so I paid £1700 with my…
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
Freezing the 3 credit agencies files
Hi just looking for some advice, I'm based in the UK.I think I've been phishd and am trying to freeze my credit with experian equifax and transunion. (I have frozen my bank card)Experian I only managed to lock, I have paid acount with equifax but apparently can't freeze (they told me, i can only add sub correction…
Cashback now or credit rating for next year?
Now then, just looking for an opinion on the following, specifically potential impacts on car finance/loan. - We’re about to make a one-off £4K purchase - I’m contemplating taking two 5% cashback Amex cards - between me and my (financially linked) partner. - maximising the initial cashback (£200 between us) - we have the…

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MSE News

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.
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 Payments 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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