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Credit file & ratings

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

Debt Collection
On March 8th my Son (Who has Autism) received a letter titled Arrears of CCJ apparently in Summer 2021 a CCJ was filed in a court. We have lived at our address for 9 years and we have not received any letters regarding debt or going to court. I typed with my son and sent (on March 14th) to the solicitor company who sent…
N443 and ccj question
Hi there, I received a ccj after a parking ticket fine was issued to an old address as was the court issue. I have paid the ccj as I was in the wrong with parking just didn't know about it. the ccj hasn't been removed from my record despite the debt being paid within 30 days. if I want to send off a N443 form do I need to…
Does freezing credit card interest affect credit rating
I have been googling this and looking here but I cannot find a concrete answer to this question, will asking to freeze the interest on my credit cards have an affect on my credit rating? My OH's business has been slowly failing and we ended up relying on credit cards to make ends meet, we are now at a stage where they are…
Hard Search and Technical Issue
hiso applied for finance online and it got aproved but then the stupid company has had technical issues and is wont let me login or sign agreement so they just saying they cant do anything and I need to re apply. However it will be two hard searches in 24 hours on my credit file!! Is there any way around this or do I need…
Ccj
So just a quick question I hope to move house next year we want to sell to hopefully buy a bigger house this ccj is 9 years old I pay £20 a month and has fallen off all credit agency files. so when it came to filling an application if the question was have you had any CCJs in the last 6 years my answer would be no right?…
Son has Vodafone default - believe unfairly?
Good afternoon all, Sorry but I’m a bit on a limb with this one and hope someone can please help. My wife and I gave my son and his new husband a lump sum about 6 months ago to help them purchase a new home. They will be taking out a mortgage. Unfortunately; it appears when looking at his credit report that Vodafone have…
If credit scores are irrelevant why have them and why no transarency in calculating and credit?
Hi all, I am just trying to get my head around why these fake scores exist and why there seems to be no transparency when it comes to calculating these so why have them? this is very misleading when it comes to portraying chances of obtaining credit and should be removed as it will only encourage people to make hard…
Eon Equifax credit rating
Eon have marked my Equifax credit file as adverse because of a metre reading error. Equifax raised a case but Eon declined it without checking the circumstances of the case. The metre is sited in a building plot and is not connected to a property and they just estimated high metre readings and billed me without my…
Problems with MyJar and ACI
Hi all, As you may be aware, MyJar fell into administration and for the last 18 months have a had a complaint from me with regards to affordibility etc. As part of this process, they agreed to remove the loan from my credit file along with it's associated default. I had a letter today from ACI who I assume the debt has…
I have a CJJ without them giving me notice.
Hi all, I am looking for advice. Around 2020 I was given 2 parking fines in the same spot which I contested due to having permission to park there. In 2021 I went through the proccess of giving my defence statement as one of the fines was set to go to court. I have now found out the CCJ has been applied back in November!…
Change of Address and Applying for Credit
HelloSo I currently been pre approved via soft check for finance for some furniture.I am completing on my flat purchase Monday and my funds were released today.However as most places require the billing address to be same as delivery it means I need to update all my bank and credit card addresses to my new address. Would…
Credit rating fallen
HiI have done a soft search on a couple of the recommended 0% credit cards andwas very surprised to be told I had little to no chance of getting any of them. Ove the years I've followed the MSE mantra of balance transferring and never had a problem.I have just checked my credit score on the MSE Credit Club and was shocked…
Parking Charge Notice and CCJ
I recevied two parking charge notices dated June 2019 from a private car park (not PCN's from the council) I was of the understanding that these were not enforcable, so I ignored them. They usually just stop bothering you after sending a few letters from experience. This one is different, they have pursued this through…
Worried about fraud - Argos Letter
Hi I recently had a letter from Argos telling me to contact a credit reference agency about a loan or something. (thought it was spam at the time so dismissed it) Has anyone else had a letter from Argos mentioning something similar?
Should I remove temporary address (only one month) in credit file?
After a year living in the UK, I start to keep an eye on credit scores. My address history is like the following: 1) Live in my country before June 2021. 2) Arrive in the UK and live in Airbnb June - July 2021. 3) Live in current address since July 2021. My question is: would it be better or necessary to remove the Airbnb…
Any luck removing a CCJ?!
Hi everyone, hoping for some advice if possible! My landlord is selling our house and me and my partner need to move out at the end of our contract in a couple of months. My partner recently got a CCJ and it is now paid off. (This month). I know this will massively hinder our chances of getting a new rental and wondered if…
Rejected for a new phone - perfect credit score
Hi guys Broke my phone at work on Monday. I compared deals and applied for a phone through a company on 3 network and get informed my application has been referred to the credit team at 3 but eventually it gets approved. I then had to cancel because I'd selected the wrong memory size for the phone. I then apply again…
CCJ Showing on Credit Club - can I get it removed if I paid it?
I was in dispute over a legal bill and was withholding payment until sorted. The solicitors raised a CCJ and so I had no choice but to pay it, plus court fees. To add insult - I see now that I have a CCJ against my score - even though it was all paid before the due date. Can I have it removed - or once a CCJ has been…
Reduce Overdraft limit to improve score?
I currently have two arranged overdrafts on Nationwide accounts, one for £5,000 on the joint account and one for £2,500 on my own. We used to go in to them now and again, before nationwide started charging crazy levels of interest on them (39.9%), and now avoid it wherever we can, for a couple of years we've not been more…
How best to proceed - 6 defaults from 2019
Good afternoon, I have checked the 3 credit ref agencies (Equifax, Experian, Transunion) and gathered all the information about my defaults (6 in total). The default dates are all in latter half of 2019 the total is around £56k when I ran into financial issues and buried my head in the sand. They are all unsecured debts…

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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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