Ask James: credit questions answered

Every month Experian’s James Jones answers a selection of your questions about credit and fraud in his ‘ask the experts’ style column here.

Jack from Cheadle wanted to know if claiming benefits would affect his credit rating, and would be part of a future credit check.

James from Worthing wants to know why his Experian Credit Score has gone down when nothing has changed with his financial profile, while Susan from Bury St Edmunds asked Why can’t the pre-app checker identify me?, about not being found on a credit card eligibility calculator.

Finally, Diana from Exeter would like to know why she was unable to change her gas meter from pay as you go to direct debit,

You can also find more Ask James questions answered in our Ask James archive.

If you have a specific question and can’t find an answer here or you wish to contact us to query something on your credit report, please contact us – find all the ways you can contact us here.


4 thoughts on “Ask James: credit questions answered

  1. Paul McFarlane

    HI, Ok quick one my wife borrowed my car ,while I was at work all day. She overstayed on a parking eye controlled car park which was no were near full by 20 mins. Few days later she gets a fine from them for £60. For overstaying the 2 hr. mark. Now she had only been driving a few weeks when this happened and got the letter thinking it was scam she binned it. She never told me what had happened until I got a letter saying that I now had this child against me as I didn’t respond and pay the fine in time. I told them this situation and I didn’t know and they basically said said tough luck it then was a bill of a few hundred pounds. So is this right that because I’m the legal owner of the car it’s my bill? This can’t be right . Please help.

    1. CreditExpert Neil

      Hi Paul, I can’t advise on the legal side of this as to who is responsible for the charge you may want to speak to your local citizens advice bureau who would be able to help you with this.
      The only way that this debt could appear on your credit report however would be if it was taken to court and a CCJ were issued. If this was the case and the judgment was paid within 30 days then it would be removed from your credit report.
      Kind regards

    1. CreditExpert Neil

      Hi Daniela, if your husband has defaults he may find that some lenders will turn him down, but it is always up to the lender and he may find it worth checking with the lender to see if they are able to provide a basic bank account.
      Kind regards Neil.


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