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Credit file & ratings

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

CCJ added to my equifax record incorrectly
Hi I had a look at my ClearScore report and a CCJ is being added. It's not mine. The first name is completely different to mine and it belongs to a sibling. I have emailed equifax. Is there anything further i need to do to get this removed ASAP. Thanks
Credit File - Missed Payments
Hi. I'm just wondering if this is correct, I'm quite new to all this. I received a few defaults 4 years ago due to losing my 2nd job when covid hit. I know in just over 2 years these will be removed from my file. However I have a loan account on my file that I have been making an agreed reduced payment to every month for…
QUESTION: Credit Application Using Partners Details
In our household, I manage / pay for all of my family's phone contracts, internet contract etc. Recently updated x4 mobile contracts and on attempting a 5th got a failed credit check notification. My question is this... if I were to apply for this 5th mobile phone contract, using my good ladies details (her name, address,…
Missed Payment - Wasn't aware I had!
I had an update on my credit file today to say that I'd missed a payment for my water, I'd been trying on and off for a year to get registered on my providers site but it never worked and I arranged with them that I'd pay monthly when they sent me a bill. Reason being the house was previously unoccupied and after…
Two bank accounts hvaing one with no activity affect my history?
Ive got 2 bank accounts one I dont use and just trasnfer cash into very raraely when bank says theyre looking to close it.Would transfering some cash into that bank account help any way, other than just keeping it open?
Credit car spend of credit limit how much?
Ive heard that keeping my spend low looks better on my credit history report, so it doents look like Im struggling maxing out my card. Is there a minimum amount I need to spend each month and do having more payemnts look better than just one?
Paying off chunk of mortgage and credit history
Im looking to move properties this summer. I currently have a fixed term mortgage coming to an end in March. Im just going to stay on the SVR until I move. I have enough savings to pay off the mortgage, but if I do that it will affect my credit hsotpry negatively, so need to pay a chunk off but keep mortgage going. Is…
02 - Letter from debt collection agency for 02 mistake on mobile bill now Credit score down 24 pts
Hi, I was wondering the effect of a mistake made by 02. I had to take a SIM with 02 when taking Virgin Broadband as part of the "deal" I cancelled virgin and also cancelled the aim last August. I received a letter from a debt collection agency and 02 saying I owed £181.81 on this same SIM. I told 02 I cancelled the SIM…
Credit rating hugely affected by 'missed' mobile payment that shouldn't have been taken
I have had a real issue leaving my previous pay monthly mobile contract (see Impossible to leave Plusnet Mobile — MoneySavingExpert Forum). The long and short of it is they should have cancelled my contract a few months ago and I had a message to say that was happening and apologising for past payments being taken that…
What effects your credit score?
My husband has recently checked his credit score on Experian and got a decent score of 999. We are hopefully going to be applying for a mortgage in the next few months and he has an old credit card with a £10,000 limit on it sat there. We used it about a year ago to balance transfer about £1800 and pay it off. Should he…
Credit Score post IVA
I took out an IVA in 2021, I quickly realised it had been miss sold and was not the best option for me to clear my debts so i closed the IVA, The debts had already gone to 'in default' I have requested information from all of the current debtors (most were sold on so not the original companies i took out the credit with)…
Natwest & Pra Group
Morning all....just after some input whilst waiting on a response from Natwest. I had 2 credit cards with NatWest. Natwest sold both debts to PRA PRA defaulted January 2018 - which finally fell off last month! Happy Days! However Natwest defaults dates are March & April 2018 so are still there....I have filed a complaint…
PCP
I have was wondering if someone would be able to guide me a little better. I decided to apply for a PCP car, the application is the in the process of happening. However it’s a long distance sale and I was wondering if I decided not to take it, as I haven’t signed anything what would be the impact on my credit score? As…
address issues
I moved to a rural property about 9 months ago and immediately changed my address on everything including electoral roll. The issue is that Royal Mail and most postcode lookups have a totally different address format - it has the name of the property in common and the postcode but that's it - the electoral roll format just…
Incorrect Electoral Reg. info on Clearscore
I checked my most recent Clear score and it is showing a pending Electoral Register update on their site with incorrect info, leading to what looks like creating a new ER record. Basically my first name has been truncated and what is left is my middle initial and surname. I think Clear score gets its info from Equifax. I…
Equifax shows no searches
Hi, I have recently noticed that my Equifax credit report (via Clear Score) shows zero hard searches, whereas through MSE credit club I can see 4 (rightly so, 3 current account applications and a credit card application). Everything else seems to be correct on clear score, should I be concerned that there's no searches…
Three UK 'missed payments' and 'default'
Really am at my wits end with Three. I was a Mobile Broadband customer and placed an order on the 29th November 2022 and opened an account. Then realised it would be quicker to go into store and take out a Mobile Broadband Contract on a rolling basis (England were playing football that evening in the world cup and I was…
Old pay day loan advice
Hello. I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago! I have no recollection of this so have asked for evidence. Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO…
Old pay day loan advice
Hello. I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago! I have no recollection of this so have asked for evidence. Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO…
Unknown Credit
Can anyone give me any idea if this can be resolved please? My daughter and her partner are trying to get a mortgage. My daughter has an excellent credit record but it has come to light that her partner has a bad debt she never knew about. Basically her partner was with another person just under 6 years ago and the ex put…

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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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