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What your credit score really means
Hi! This is the discussion thread for the What credit scores really mean guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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What your Credit Score really means - Please read first before posting about a credit score issue.
Hi all! This is the discussion thread for the What credit scores really mean guide. Well, what does your credit score really mean ?. By Martin If you've paid to get a credit score from one of the credit agencies, how reliable is it? We run through the truth about credit scores. I’ve just found out that my credit score has…
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New to the Credit File & Ratings board? Start here
Useful links to MoneySavingExpert.com guides * Top tips to build your credit score * How to check your credit report for Free * Credit Club * Build your credit history * Student credit scoring * Should I get a loan if I have a bad credit score? 💡 If there's a link you think we should include here, please send me a message!
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Moving Home with a DMP help please
My self and partner are on a joint DMP - have been for a while now, majority of the debts are mine. We now find ourselves in a position where we have outgrown our current home & also have ALOT of equity in our current home we would love to move home to a bigger home & would easily be able to clear all our debts with the…
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MSE Credit card eligibility checker -- who gets to see the user's email address?
Is it reasonable to expect that a debt collection agency can gain knowledge of an email address that was created for (and only ever input into) the MSE credit card eligibility checker?
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Guarantor business overdraft, company liquidated, debt not on my credit file?
Hi All I was a personal guarantor for a business that folded and the overdraft was £10k. The company was folded and ended up liquidated - Natwest contacted me to pursue the monies Natwest have now sold this debt to Moorcroft. BUT IT IS NO WHERE ON MY CREDIT FILE WHATSOEVER! Where do I stand with defaults on this debt (I…
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CIFAS -BBL
Any help? Please don't "beat me up on here" I suffer with PTSD (London bombs) and everything was going okay until 2019 when I was assaulted (documented in 2019 - not an excuse) and the PTSD returned then in 2020 there was a lockdown and I couldn’t get the help that I needed. I applied for the first bounceback loan early…
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Scottish Power added defaults to credit file before Ombudsman determination
I was involved with a long running dispute with Scottish Power that was finally determined by the energy ombudsman on 15th October 2024. During the course of the dispute they agreed to suspend my account. I have recently discovered when checking my file ahead of a pending mortgage application that Scottish Power added an…
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Impersonation Fraud
I have been targeted in recent months with a fraudster trying to impersonate me. They have applied on-line to ten different financial institutions to apply for either current accounts, personal loans or credit cards. To my knowledge none have been successful, but it has resulted in an alert being sent to my legitimate…
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Best Way to Remove CCJ From Credit File
Hello I took a loan with 118 Money in 2018. Account defaulted in 2019 and then Showed settled the following month. This is when debt was sold to J&C Acquisition. I made some payments. In March this year I received court letter from BW Legal. I called and they stopped the process and I set up payment plan. I missed Mays…
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Creditor still registering default markers / won’t change status of debt post DRO Moratorium
Good morning I unfortunately ended up being subject to a DRO in 2023 with the moratorium period ending in December 2024. According to both the StepChange and Debt Camel sites, once this has ended a creditor should mark any debts that fell under it as either Satisfied or Partially Settled. I have been struggling for months…
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JD Williams account fraud
Someone , and not me, has set up a JD Williams account fraudulently using my address. I got a statement and a demand for money a few months ago - called their fraud team and they told me they’d close the account. Anyway get another and larger bill and chase today. I called the fraud team, spent about 15 mins on hold, got…
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Moved: DMP where to start
This discussion has been moved.
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Loan Delinquent but no default
Hi All Thanks in advance. I have just noticed that one of my loans are appearing as delinquent on my credit file, but I've never had a default on my credit file? Any ideas what this means? / What should I do?
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Advice on old debts, Opos letter
Evening, Great forum and resource. I’m looking for some advice about some debts we have from the late 2000’s. We moved overseas for a ‘one year plan’, but we very quickly settled down and have only just returned to the UK. When we left back in 2010 or so we did have a few debts that we continued to pay but we very quickly…
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Defaulted after…. 5 YEARS?
Hi, really odd one. Applied for a mortgage through a broker, all going well until I’m told we have a payment which is in ‘unknown’ status on our file (this didn’t show up on 2 out of 3 reference agencies so we weren’t aware). I contact the company to find it’s a debt of over £6K from 2020. I know what it is (finance car,…
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Intrum debt collection letter
Hi all, I've received a letter out the blue from Intrum for a debt that is years old that I thought I had sorted back in my early 20s. The letter says they have bought the debt from another company and that if I pay something in January they will write off 90% of the debt. It also states - "We're aware that the limitations…
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Debt not defaulted - sold to debt managers, and now intrum! Who do I contact to backdate / sort?
As per the title I have a debt that has not been defaulted yet, but should have been. Originally from Avant Credit, sold to Debt Managers and now to intrum. No one has defaulted me for this, should I speak to Avant or Intrum to backdate and sort the default as they are now the owners?
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Hitachi (now Novuna) never defaulted me?! M&S Incorrect default date? how to fix?! Pls help!
So, in July 2019 I made some very bad financial decisions, I'm in serious debt and can no longer afford my loans or credit cards. I contact all my creditors and offer £1 a month for all of my accounts ( did this without StepChange ) and have continued to pay them on time every month. Long story short it's been 6 years now…
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Inconsistent name format across credit report
I'm currently preparing to apply for a mortgage, and my credit reports are each formatting my name differently as I have two middle names - sometimes these don't exactly match the account. eg: The name on my savings account is Firstname A B Lastname But Equifax shows Firstname A Lastname and Transunion shows Firstname B…
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Creddit Club Application
I have attempted to join the Credit Club, have filled in the required boxes, but when I press Submit, nothing happens. I have checked that all relevant question have been answered, but still nothing. Could somebody please help? Thank you.
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Wrong electoral roll address recorded on my Experian file
Hello. The electoral roll address is recorded incorrectly on my Experian file, though fine with Equifax. My address format is (with address anonymised). 14 Leinster Court, 6 Village Road, Town, postcode. Experian have it recorded as 14 Village Road, Town postcode, which is completely wrong. I have lived here for 13 years…
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Post IVA and remortgage with additional borrowing
Hi All, My husband and I both had IVAs which we completed early hooray! Mine was completed 16 months early and in a few weeks it'll be the 6 year anniversary since the start of my IVA (for my husband the IVA has dropped off his credit file completely as it has been 7.5 years since the start date of his and his score with…
