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Credit file & ratings

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

updating date of file
on my mse file for a loan it says updated 1st feb , i paid this off in full on the 5th feb - does this mean that my file will update on the 1st march ? and this loan will be gone ?
Could car finance letter help credit score?
Hi, my son had his car repossessed 2 years ago as he didn’t make his finance payments in time and this has negatively impacted his credit score. He recently received a letter from the finance company stating they have reviewed their policies and procedures, to better enhance service delivery. They awarded him £180…
Incorrect default on credit file by JC International Acquisitions
Help please, I have just recently noticed on my otherwise healthy credit file a default registered by JC International Acquisitions. On further investigations this seems to relate to an old account I had with Sky. I do not owe Sky anything and the account was closed in 2020. The default appeared in 2024. I have been passed…
JC International Aquisitions
Late October 2024 I received a letter addressed to me in my previous married name (I re-married in 2021) from BW Legal, advising me I owed £368 and that they had been instructed by JC International Acquiisitions. I used their contact us on their website and asked them to provide further information because I was unware of…
Missed Payment help
Hi 5yrs ago I had a basic bank account with Nationwide. During my divorce at that time I took my salary to another account leaving this delinquent. I had a continuous payment set up with Payment Assist, who managed to get 2 payments from my zero balance, putting me overdrawn. I didn’t deal with it at the time, and about…
Default dropping off timelines
Hiya, I have a default that is due to drop off my file 28 Feb 2025 - yayyy!!! When will this impact my credit file please? I'm looking for a loan to buy a car, and getting rates around 10% but am being rejected for the 6% loans although I earn well and have a healthy disposable income, could that default be the cause…
Mortgage default
I had a mortgage rented out the property the the tenant let her son in who dealt drugs and the place ended up destroyed we gave it up for voluntary repossession there was a short fall of £30,000, we’ve not heard a thing from the mortgage company and this will be 6 years again in December 2025, we really want to by again…
Mortgage company credit marks
Not sure this is something I can discuss here but I will give it a go! My husband died 4 months ago. It was a massive shock but I still managed to organise all the bills and the incredible amount of bureaucratic bumf that comes with living today. Previously my husband did it all as I still worked (self employed, coming up…
19 insurance companies on Experian which I have no knowledge of
I tried to upgrade my phone contract over the telephone with 3 mobile on 10th February, and after an hour was told the system had gone down and he would call me back the next evening. He did not call, so on the following Monday I called again, they took me through the credit check and i failed the credit check ( to my…
proof of loan clearing
so i’m in process of applying for mortgage, had a DIP, in Nov i took out a loan with monzo for £4800, and the house situation has moved quicker than anticipated…anyhow i did some overtime , used some xmas money , no spend jan and cleared this loan . but obv still on file - monzo can’t seem to provide actual proof i paid…
Upper age limit for credit agency scores
Both aged 68 & 66. We have been married for 46yrs. Only had a mortgage (paid off) One joint credit card which we pay off in full every month - no other debts & £k100 in the bank We decided we were going to update our kitchen so went to ikea - planned chose & even spoke to the kitchen fitters. The ‘ikeaperson’ mentioned 0%…
DRO discharged but debts showing as active
Hello! I hope someone can help as I’m being passed from pillar to post and getting nowhere! I entered a DRO, discharged in December 2024. On my credit files some not all of the debts included are still showing with an active balance and defaulted payments. I’ve contacted the active companies and they say the balances are…
Why only 1 bank account showing in ClearScore ?
Someone said online that they had a ClearScore report and it showed every bank account they ever had, including very old ones from a decade or more ago. So I thought it would be interesting to see what it shows. On mine, it shows 2 credit card accounts, that is correct, but only 1 current account, and ironically it is my…
Credit Report - Incorrect data
Morning Folks, it's a 2 question post. 1: I took a car on HP back in 2017, I paid half of it and handed the car back, it still had a balance of £634, but just ignored it as really was struggling at the time, hence giving the car back. Anyway on the credit report it shows as "Paid and Closed". Yet every month I have a nice…
Have I been screwed?
I had an Overdraft with Halifax years ago which recently I paid off because I closed the account down. The account was transferred out but the overdraft was not transferred. Now I want to make a few things clear before explaining -They never once asked for the money back, no post, no email, nothing. The balance was around…
Bank Account/ Help
I’m having a tough time opening a current or basic bank account. I’ve checked my credit report, and it seems like my score isn’t the best. I’ve also checked with UK fraud agencies like CIFAS and others, but there’s nothing on their records that would prevent me from getting a bank account. It’s really frustrating because I…
is credit file live
i have a question , i understand that lenders update to experian etc monthly …but is my file “live” as in applied for a mortgage recently paid a loan off , but it’s not updated on file , so is my credit file live - but only updated to me monthly
AutoMoney Motor Finance Possible Fraud Going On!!!
I want to show you how companies sell your so-called guarded legal credit information and how they treat you and how they possibly fraud you, and how hopefully you maybe can help me. I had a legal car agreement that I signed with London & Surrey Motor Finance Limited in May 2016, cannot find paperwork, but have emails to…
Dealing with a CCJ
Hi all, would like to ask for advice on this. I’ve recently noticed I have a ccj that appears in the credit karma and ClearScore apps for just under £300. There is a case number but the claimant is not shown. The issuing court shows as CNBC which leads me to believe it’s a default judgement. I have tried calling the cnbc…
Santander closed account - Synetics Solutions Fraud Alert
Hello - I recently opened up a Santander bank account and after going through the agony of actually being able to set up the internet banking they froze my account and asked me to call them. I phoned and was told I needed to go into branch and brin Photo ID which I did. I was met with a very scared looking reaction when…

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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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