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Credit file & ratings

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

List of credit card payments
A while ago I stumbled upon a page that showed a full list of all my credit card payments going back for quite some time. It was interesting but irrelevant at that time so I didn't note where it was. Now it would be REALLY useful to have that information in that format and of course I can't find it again - anyone have any…
DWP checks
Anyone answer this please.... I understand GOVERNMENT AGENCIES are allowed to see your personal Financial Records however I don't know how they access this information. I know there are CREDIT REFERENCE AGENCIES...do the DWP / HMRC access records from all of these agencies ?
Airbnb Situation :( Worrying!
Hello everybody :) Really hoping you can advise please on my situation and if this is likely to cause me issues down the line! I will try to keep the story brief as possible! Joined Airbnb and booked a one night stay for a parent's birthday. Unfortunately whilst there by accident one of my family spilled a pot of the…
Score dropped after recommended credit usage
Hi all, I'm pretty confused. I've had a credit card for a few years but have only just started using it in the last 2-3 months. It has a limit of £1k. I use it for most things and pay it off gradually throughout the month. I started using it to improve my score. Near the end of the month I make sure I have £100 on it - so…
Why Scammers (Often) Win: My Bank Holiday Nightmare Protecting My Identity (That Wasn't Even Stolen!
Hey everyone, Ever had that sinking feeling in your stomach when you realise you might have just handed over sensitive information to the wrong people? I had that dubious pleasure over the recent bank holiday weekend, and it’s left me convinced that scammers often have the upper hand, simply because protecting yourself is…
CCJ's and rights/help as a disabled person?
Hello, A basic summary of my situation is that I am Autistic, I have CCJ, I would like to move out of the city because its making me ill and Im worried the CCJ will put off landlords. I was never given the option for "breathing space" or any other help. Are there any grounds for applying for the CCJ to be removed/changed…
CIFAS SAR response 'issued' but how long to receive?
I filled in a SAR yesterday and am surprised to see that clicking into the status URL it seems to be ready, 'We have completed your request and have issued our response to you which you should receive within 5 business days.' I'm pretty sure they send the response via email, so how long does this actually take as I don't…
Moved: Son and CCJ for parking fine
This discussion has been moved.
Housekeeping for good credit
I saw a news story the other day about someone discovering someone had taken out finance in their name via some sort of identity theft. Lots of advice was to somehow 'lock' your credit score from being checked without permission. I don't really have the need to check my credit score - I have credit cards, they all get paid…
Credit Score
Hi I received an email to advise me that my latest report was available to view and advised me on how I could increase the score. It stated that I could register to vote which could increase my rating. I have checked and I am registered to vote, but I am not on the open register. The council has advised me that this will…
AMEX Missed Payment – Credit Report Flag
Hello, I'm currently remortgaging (due October) and have a flag on my account for 1 missed payment which i'm worried will impact my borrowing ability. Complete mistake, accidentally missed a payment by 6 days as I was going through a busy period with a new job role. Otherwise have never missed a payment, always pay in full…
CCJ appeared no idea about it
Hi I had an email this morning from ClearScore saying my scores gone down. Check it and there’s a CCJ on there which I’ve got no idea about. I’ve just broke down crying, I’ve had enough of everything. I’m having a tough time with my family life and my debt problems are bad enough as it is but I never expected a ccj, I…
2 missed payments for loan i knew nothing about.
I recently checked my credit report to find i had 2 late payment marks for a £17 unsecured loan i knew nothing about. This account was not on my report a few weeks before yet states its been open since August 2024 and the leave it till now to leave the 2 missed payment marks even though I haven’t paid anything for the…
CIFAS DSAR - Response Issued but No Email
Hi All, I recently raised a DSAR request with CIFAS, not as a result of any problems etc but out of general interest. Looking at their tracker, it says that the response was issued yesterday, however I can’t see anything in my email indicating something has been sent (I’ve been through my junk etc.). Has anybody had the…
Moneybarn - Link Financial
Hi, looking for some advice. I had a car on finance with Moneybarn and they agreed to a Voluntary termination in August 2024. I was left with an outstanding amount of £1069 which they agreed I could pay off at £80 a month. I have paid this every month. At the beginning of May this year I received a letter from Moneybarn…
Credit Club Affordability Score
Hello, I have a query re the Credit Club - apologies if this has been answered elsewhere. I retired relatively early so live off a small pension and a mixture of different savings. The Credit Club insisted that I do not include any savings in my income (unless I misunderstood it) so I now look like a pauper and have been…
Is It Better To Pay in Full or Pay Less
Hi everyone I didn't pay our water bill and subsequently have a CCJ against me for £3000. I feel very bad because my husband has been included in this even though the water was in my name only. As a result of this his credit card limit has been put down from £7k to £500. So far we've paid UK Search two lots of payments as…
Financial connection - need to remove them?
I noticed on my Transunion credit report I have under “financially connected or was previously connected to’ my husband who I am separated from. It says last confirmed in 2016 a secured loan that we then paid off in 2019 when we sold our house. That’s the only thing showing in there and only connection we have. But is a…
Missing accounts in Transunion and MSE Credit Club reports
Finally got around to looking at these, only to find my two current accounts (both with overdraft arrangements) and my main two Credit Cards (with one of the current account providers) are missing. As is my small loan account with a Credit Union. Together that’s about 50% of my (exceptionally well managed… ;-)) credit…
CCJ/Trust deed - CCJ removal & credit acceptance
Hi there Over 6 years ago i got myself into a trust deed. I paid it all off over the space of the 5 years. In fact ,i paid it off 6 months early. So 6 years on everything on my credit file was cleared from my credit file except my CCJ. ( i dont even know why the company filed for a CCJ as they already agreed to the trust…

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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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