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Credit file & ratings

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

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…
experian or other
Hi all Just shifting through things Is Experian better than other credit scores or for check what you had or outstanding banks or loans etc or is there free service version just as good as Experian As for there dark webscan, is this actually good or just all hyped up - I was thinking of buying it Anyone used it before or…
Capquest/Opos Limited chasing a debt from 18 years ago
Hi, I received a letter today from Opos Limited on behalf of Capquest Debt Recovery ltd relating to a debt for Shop Direct that I no nothing about. I have since contacted Shop Direct and we managed to trace the debt back to September 2007 at an address I haven't lived at since that 2008. I've never had a debt on my credit…
BTL Application - Financial Association Query
Good morning. Just a quick query about a future BTL mortgage search. My Wife is to soon remortgage her BTL mortgage deal to a new lender and I was wondering about how my credit file would affect the search as a financial associate? We both have great credit history, no missed payments CCJ's or defaults but we have some…
Security Clearance; hard or soft search?
Hi, I am about to renew my security clearance for work and wondered if anybody knew whether the finance check they do is a hard or soft search? I am waiting to complete on a house purchase so if the search they do is a hard one I would rather delay my clearance application until the mortgage has completed. I have searched…
Tesco declining my application for a new phone
I have a good credit score yet tesco have declined my application for a new iphone 16 plus which was on a good offer via clubcard. Being in our sixties and mortgage free we have absolutely nothing on credit except my Vodaphone contract which is due to end later this month. This is the first time ever that I have had a…
Do linked addresses ever come off a credit report?
One address I moved out of 13 years ago (referenced to a long extinguished PCP loan) and the other is coming up to 9 years old. Should these also be removed at 6 years like credit account details and the like?
Barclays letters in someone's name and now collections one!
Hi hope someone can as ive been on phone to barclays and still feel sick with worry For months now we have been every so often receiving letters from barclays with someone else lses name on....its a long non english name so can not remember it fully. We ignored and ripped up as they seemed like scam letters. Today we got a…
Mortgage with old default from same group
I’ve had some defaults fall off my credit file in the last few months from a messy divorce back in 2018. The last falls off this month. It was an MBNA/sold to PRA debt. I have my current account with Lloyds. My decent savings are with Halifax. I am taking a re-mortgage out (after the default is off). House worth 230k and…
Has a company aquisition resulted in incorrect record on credit score?
In April last year, the lender was acquired by another company, though I only recently became aware of this. In May last year, my TransUnion credit report started showing the account as being in default under the new company's name. It falsely stated that I had been making regular payments to the acquiring company until…
Compensation for having to spend time trying to resolve issues caused by another party
Hi all, I've recently joined the forum and wondered whether forum members know whether there is an hourly rate that I could use to request compensation for having to spend time trying to resolve issues caused by another party (in my case, in trying to buy a new-build property from a housing developer)? Unfortunately, the…
Capquest
Hoping for some advise as going around in circles with Crapquest! In 2017 got into financial difficulties as a result of illness and fell behind on lots of credit. Most items defaulted and went to DCA’s and I’ve nearly paid them off. Vanquis sold credit debt to arrow global 30th September 2019 which they maintain was not…
Paying off PCP early - impact on credit rating
Hello. I am one month away from the end of my PCP term ending with just one payment to go. I’d like to pay it off early (pay next month’s payment this month) so that the car can be collected as I found another car on a deal I could not ignore and want it gone. I will have paid the PCP in full so does this have any impact…
Cabot
Advice please debts sold to Cabot years ago I am paying off by standing order have done reviews over the years lately been bombarded with phone calls text and now letters saying overdue review however due to current climate I’m happy to leave my increased payments where they are and have not replied today received only…
Missed Payments on Credit File
I have a loan with a non high street lender and missed a payment in October which has sinxe lut me behind on my balance/payments. Since November I have paid the loan direct debit every month on time however, the company have kept reporting that I missed payment each month because of the original missed payment and because…

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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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