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Credit file & ratings

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

Asda Credit Card Under Review
Hi, my Asda Credit Card has been under review since the 27th January 2025. The day it had happened I had only purchased a Sainsbury’s meal deal. I have always consistently paid my card off in full every month without fail. Never let it build up interest. On the day my card went into review, I had no idea until later that…
Can a creditor arbitrarily reported a default on a DMP?
Apologies if this is the wrong place to ask. For the last 2 years I have been repaying an old debt back with a utility provider. Everything was all fine until recently when they reported a default. This heavily impacted by file, my score dropped like a rock and my credit cards reduced their limits. The following month my…
Advice on Settling Old Debts That No Longer Appear on Credit File
Hello everyone, I’d appreciate anyone's guidance on settling old defaulted debts and their potential credit impact. Background: – In 2018, I defaulted on accounts with Capital One, Halifax, and HSBC. – These defaults have now dropped off my credit reports (Experian, Credit Karma, Clear Score), and my file reflects a…
Credit File Dispute
I disputed a bill with an Evergy company in 2023. The couldn’t provide evidence of where the £498 was from but it was due to the systems migration. This has gone back and forth until February 2025 when they said it was still outstanding and needed to be paid as the complaints process found it had provided evidence. I am…
Lantern Debt Collectors/Moriarty Law
For the past year I have been harassed by the above companies for a debt that I do not owe. They claim I took out a credit agreement with J D Williams and purchased 2 items. I have never had any dealings with JD Williams. They have used my name and a previous address which I haven’t lived at for the last four years. They…
Jc International
Hi, im currently having an issue with this company. I've recently had an agreement in principal declined, upon checking why I found that Jc International placed a default on my account in Feb 2023. I've had some contact with them but it's gone quiet for the last three weeks. I have raised a dispute with Trans Union over…
Credit club login issue
Just received the monthly prompt to look at my credit score. Try to log in and get told that my username and password don't match. I reset the password. I then use those credentials to log in and I'm prompted to fill in my personal details and address history, which should already be on file. After it's transferred to…
Can lenders put a default back on my account
I went through an IVA in 2019 I have been clearing up my credit file as my mortgage broker advised that defaults should be registered for when the IVA was approved. All lenders agreed to this and for approximately 5 days my credit file was free from defaults. However one lender has updated this and changed the default to…
Moved: IVA advice
This discussion has been moved.
Moved: Paying off IVA
This discussion has been moved.
Scam - How to put protective mark on credit file ?
This seemed the best board to use - and I couldn't find the information I need using the search function - certainly it didn't produce any recent post. I have been targeted in a scam and realise I should do what I can to protect my finances. How do I do that? That is, other than manually checking my credit files (which I…
Advice needed re: closed bank account and CIFAS
Around 2 months ago, my bank froze my account and wouldn't tell me anything (so obviously regarded it as suspicious). This lasted a couple of weeks, after which time my account was reinstated. I then had around a week where I could use my account normally - during this time I did not make any unusual transactions or…
Mortgage Contribution and Credit File
Hi Our house is in my partner's name only because it meant we could secure a much better deal. Since I pay half of it is there a way to get this contribution positively reflected in my credit file despite not being a named party? I've used Credit Ladder previously in a rental situation. Thanks in advance RTO
Credit Ladder Exit?
Hi all, I've searched but not found anything to put my mind to ease. I've been In a social housing rented home since 2016 and on credit ladder since early 2017. About a year ago today I was made redundant and have been self employed since, since then I have wondered is it possible to exit using credit ladder without it…
Experian - British Gas - D on file?
Firstly, I got my statutory report and there are 7 ' D' markings on the file, but they didnt send a key so I can only assume this means 'default'. The period it is for is Oct 23 - May 24 and Oct 23 is when BG changed to a new system. I know this because the same period on my Equifax report says 'no info' for the same 7…
CCJ - Registered at Linked Address
Hi all, seeking some advice on a CCJ. History: I was previously very loose with payments and financial responsibilities, but for the last 5-6 years have been credit and (I thought) debt free. I spent a few years clearing up what mess I could, but ended up with a CCJ in 2020, that I’ve not ended up paying to settle.…
CIFAS Question
Hi, I’m 4.5 years into the 6 year CIFAS Punishment. I can’t find many answers online as I’m not sure if CIFAS has become bigger in last few years but does anyone have any experience of once the 6 years is up, is it literally gone of the SAR the next day? Has anyone successfully been able to get a mortgage/credit card other…
Iva
Hi, I’ve been in an IVA for 4 years and have put in a letter to end it as I want to just get my debts paid off. They said it will go down as a failed IVA and it will be on my credit file for 6 years. Is the 6 years referring to when I started the IVA or 6 years from failing and ending it? thanks
Over 10 years old debts, Defaults have come off my credit file, can I still get CCJ.
I had 3-4 defaults since 2014, they have come off my credit files, original debt was sold to Cabot and Link Financial. I agreed a payment plan in 2014, then those debt were reported as defaults, I kept paying £1 for each to Cabot and Link Financial until couple of months ago. All defaults came off my credit report 2 years…
value of score
i have read all the threads re score and i know its not the be all and end all - but im sitting in the fair bracket on Experian because i have a cc upto the limit and a a loan which is now paid off - no adverse credit, late payments etc... but we are going through mortgage application and so worried they will look at my…

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Credit file & ratings

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