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Credit file & ratings

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

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…
Number of Agreements-Equifax.
Does this stop any Car Credit Application This is seen as Red style Marker via Equifax, possibly more cra's. I have currently eight Agreements, ranging from home improvements to techology. Finally my current used EV is mid term, from tomorrow 23 of 48 repayments to make. Is it possible to be considered for Car Finance.…
Statutory Credit Report - Creates Hard (Visible) Search
After last night's MLMS I decided to try the credit agency TransUnion and get my only outstanding statutory credit report. What I wasn't expecting was that obtaining this report would leave a hard (visible-to-others) search albeit listed as an ID check. Surely this should have been a soft check? I can envisage this could…
Very performed hard check at eligibility stage
Hi there I am a bit annoyed as I was using Very.co.uk's eligibility checker to purchase white goods but then discover a hard search was carried out and now appears on my credit file. I didn't proceed with the application. There was nowhere that mentioned that a hard search was going to be performed beforehand. I thought it…
Cabot Settlement offers...
Hi all, I've had a number of cabot offers for debts in my DMP, but not taken them up. As all of the debts are over 6 years old, none appear on my credit record. If I take up a Cabot settlement offer for one of these, will this now show on my credit record as a partially settled debt and will it, therefore, affect my…
Credit file Impact when borrowing with Klana
I was looking to purchase a speaker system from Sony and the best buy pay later offer is from Klana with 9 % interest over 24 months. Does Klana do a credit check on a credit referencing agency, if yes which one? I don't have a bad credit history, just wondering as I have heard stories in the past that say borrowing from…
Studio credit
can anybody help with this question i have, thanks in advance. Everytime I buy from Studio it puts my purchase onto studio credit (because i once made a “considerable” purchase i used to save a bit more money, ever since it just uses the account to purchase things). so when i buy stuff, even that are not expensive, it just…
Mystery Soft Searches
Hello everyone - sorry in advance for the essay. I've got a bit of a headscratcher of a mystery on my hands with regards to soft searches on my credit report. I'm hoping people might be able to shed some light or advise me on what the situation might be. I haven't checked my credit score in years, but I've got a move…
Unknown CCJ found - Old address issued at (6 years plus)
Hi all, Im trying not spam up threads with the same posts so I’ll try and keep everything really simple as just looking for best course of advice. Over weekend from checking my credit report I discovered a CCJ: * Issued – July 2023 * Address showing CCJ issued at – an old address I moved out of in 2017 * Time at current…
Would an unpaid medical bill through a debt collection agency end up on my credit report?
Hey everyone, I've recently been dealing with a few health problems. I was unable to receive a scan through the NHS, which left me with little choice but to go through private healthcare in order to determine the cause of my health issues. The cost of the CT scan I had was about £1400. This was self-funded without health…
wrong dates with octopus
hi all can anyone help i became a customer of octopus in nov23, dd payments all went through on time checking my credit file online record it has me started correct date, but on the callendar for each month they have got me started ticking from june23, so i have 2 ticks instead of dec and jan i have june23 and july23 will…
Electoral Roll on Credit File still shows old address 3 years on!
Hello everyone, Just wondering if anyone can give me some advice on how to deal with this. I moved to a new address 3 years ago and completed an electoral form within the same month as moving in. I have received things in the post since, such as voting information on local elections etc. and I have contacted the council to…
Does the German Credit Agency SCHUFA know about UK based credit?
Hi all, I am planning to move to Germany in the near future and wonder what the big Credit Agency SCHUFA knows about UK-held credit and such, in particular for a mortgage application. I am German, but have lived in the UK since 2017. I have a joint mortgage for a house from 2022 (5yr deal) and have been quite active in…
I've been ask to supply my statutory credit report
I'm working with a national organisation which provides grants, as well as loans (which I have zero interest in). I've been asked to supply them with my statutory credit report from Experian in order to continue to receive support from them. Can they insist on this? My concern is they're trying to get this info for free…
Why do UK victims of ID fraud have few rights?
Finally a victim of ID fraud at 70. Spent years paranoid about identity security. Shredding everything with identifiers. Not on social media. Not on public electoral role. No-one has any physical access to my papers. Paranoid about PC security. Never use wifi for banking. Never use same passwords anywhere.I find it…
Is an 'AP' marker more damaging than a 'Default'
Hello, I entered a DMP in December 2021. Lender one has agreed to backdate by default to 31/Dec/2021 as a gesture of goodwill. Lender two I still have a complaint open with as they didn't default me until January 2023. My question is what is the best outcome I should ask for? Backdate the default to when I started the DMP…
BT - old default on credit file
Hi - first post so apologies if this has been covered before… I recently discovered I have a default dating back to 2016 on my TransUnion credit file (others appear clear) it’s for £41,from BT and I wasn’t aware of it but willing and able to pay this. but I’m stuck in a loop of BT call centres trying to pay this and…
Can I remove a default and claim compensation?
I ended a car finance (HP) in Dec 2022 as I took out another loan with lower interest. As part of the loan the lender sent payment directly to the creditor. The creditor chased me on January 23 for non payment. I followed up with evidence of payment (after asking the loan company to send to me). The creditor stated the…
Issue logging in to Experian
Hi everybody, As a result of a recent case of identity theft, whereby my stolen driver's licence was used to open at least one mobile contract (that I'm currently aware of) in my name, I set myself up on Experian's Credit Expert system. This allowed me to lock my report and keep a regular eye on any suspicious activity. Up…
credit score and credit card
can i ask a credit card company to correct an action re. a debt which was cleared but which is affecting a credit score

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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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