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Credit file & ratings

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

MSE Experian Credit Club - Score updated every couple of weeks or so.
Since June 1st, instead of getting an email once a month informing me of my latest credit score, like I always used to, I now get an update about every two and a half weeks.My last few email updates have been June 1st, June 17th, July 6th, July 24th, August 11th and today August 30th.On today's report it says my next…
RBS CC goodwill adjustment late payment removal
Good Afternoon. So I'm wanting a mortgage for a house and had a look through my Equifax credit file and I have a missed payment on my RBS credit card in April, as soon as I got the alert I made the payment. My report apart from that is perfect, no other nasties. I went onto RBS chat and they said they couldn't do that as…
Removing Payday Loans from Credit File - Companies no longer exist
Several years ago I took out a number of payday loans, which I now believe were unaffordable. I have had some success either reclaiming interest payments, or having these loans removed from my credit file (or both). I'm not that bothered about the money now, as I'm in a much better position, but I'm keen to have them…
Credit score ruined by computer error
Hi all - I’m at a bit of a loss. I discovered that my credit score has over halved and after getting an experian account and doing digging I’ve found that an old internet provider has been claiming Ive owed them £8 for the last 6 months. Problem is they never told me. I spoke to them last week and they said this was a…
My credit rating has taken a major hit after first house purchase. What can I do?
My partner and I bought a house in Feb. Around the time our mortgage funds were transferred my credit rating dropped from 'Excellent' (in Experian) to 'Good'. Then about a month after we moved in it dropped again to 'Fair'. Thankfully this month it didn't drop any further (it stayed 'Fair'), but I would really like to have…
Old CCJ from Motormile
I have got a CCJ from July 2017 which I have discovered is from a Motormile payday loan which got me into all sorts of financial trouble. It is now owned by Moriarty Law. Given that MM sought to redress their customers in 2017 (I never got that meno!), what is likely to happen if I contact Moriarty? I did contact Lantern,…
How to rebuild credit history
I've lived abroad for 16 years and am thinking of returning to the UK in the next few years. My question is, how do I rebuild a credit history as I understand that my credit file will have been wiped clean after all this time. I have a UK Santander instant saver account and pretty sure I could get a basic current account…
Cabot Chasing Credit Card Debt from 2012
Hi I received a letter from Cabot stating that I owe £7126 credit card debt. I sent them a statute barred letter and they replied saying that a CCJ that I was totally unaware of, was issued in Jan 2015 and statute barred does not apply. They also tried to serve an attachment of earnings at the same time, but this was not…
Shell Energy Appeared On Credit File
Morning all, Checked my credit report this morning to discover Shell Energy has appeared on TransUnion and Experian reports; I am not nor have ever been a Shell Energy customer. The entry is listed as dual fuel, I have checked with my current supplier Octopus Energy (who were exceedingly prompt to respond to my email) and…
New bank account but wrong date of birth on application.
Hi looking for some advice, I decided to change my bank to a different one and did the application online I also took out a credit card with the bank as well, everything was approved and then when I made a phone call to customer service about something they said that my year of birth was wrong and would need to go into…
Credit scoring
Hi -can anyone kindly assist me with the below quandary? I currently have 2 credit cards one with a balance of £10k (0% balance transfer card) with a limit of £12k so £2k headroom total the 2nd card balance is zero with a £15k headroom. As I like to keep my finances tidy I was planning on closing the zero balance credit…
Credit rating hit due to o2 scam
I received default letters back in April 22 regarding payments owing on a o2 mobile phone account I had not opened. I am not even an o2 customer! I rang them promptly to alert them to this and they assured me they would look into it. I received a further default letter 14 days later and called them again to be reassured…
Post redirection - is the previous owner of our house still using our address?
When we purchased our current house in Nov 2019 the previous owners and their children were very slow to change addresses. They paid for the minimum post redirection period but then we continued to receive DVLA, credit card and tax documents etc for at least 18 months. Initially, we told them by phone or email and they…
Best thing for unused credit cards?
Hi ... I wondered what I should do with unused credit cards please? Is it affecting my score badly even if the balance is zero? I have cleared a couple and wonder if I should now cancel them? Many thanks you lovely forum members
TransUnion credit factors and Credit Karma
Hi, For about the last year I've had a TransUnion credit score of 691 out of 710 but this is based on what Credit Karma are telling me. Credit Karma is showing that there's nothing more I can do to increase my score. It's been like that for months. There's nothing negative on my report as far as I can see. I've emailed…
CCJ set aside by consent time frame
Hi, It has been agreed by Welsh Water that a CCJ they incorrectly got awarded against me by default should be removed They sent out the consent form to sign and return to them, and they are filing it with the court (I'm assuming Northampton CCBC Does anyone have an idea of how long this process is likely to take before…
Resolve call disputing proof of debt letter
I downloaded a proof of debt letter, sent it to resoovecall they have now responded saying “unfortunately it has come to our attention that there are certain websites purporting to provide information which will allow users to avoid repayment or discussion of debts. It appears to be a letter of dispute but simply lists the…
Snoopers into your credit ratings
LV some weeks ago, went and did a soft search on my credit score. I have a policy with them which is due for renewal. I have made no claims on the insurance, and I pay annually. I have also found over recent days that Royal Bank of Scotland has also done this. No explanation, no reasoning, no request for my permission to…
Cabot - Northern Ireland
Hi, my debt was sold onto Cabot in 2017. It is showing on my credit file. I have never engaged with them. I live in Northern Ireland. Does anyone know if 'statue barred' applies here in relation to this. I have read reviews about Cabot whereby people have paid them back but the default still showed on the credit file as…
Default by Three on phone account I thought had transferred to my ex
A default has appeared on my credit file for a phone contract taken out 12 years ago which I thought had been transferred to my ex about 10 years ago. The contract was in my name originally and then we split and I transferred the contract to his name (so I thought). There was a phone call between me, my ex, and someone…

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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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