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To ask His Majesty's Government what steps they have taken with credit reference agencies, lenders and the third sector towards improving how coerced debt is reflected.
To ask His Majesty's Government what steps they have taken with credit reference agencies, lenders and the third sector towards improving how coerced debt is reflected.
Last year, the Government published a Financial Inclusion Strategy which includes economic abuse as a key theme across its areas of focus, in recognition of the particular challenges victim-survivors can face in accessing financial products and services.
The Strategy seeks to support victim-survivors to regain financial independence. This includes an intervention to improve the impact of economic abuse on victim-survivors’ credit scores and, through this, their ability to access products going forward. This work will develop appropriate options lenders should take when reporting data to Credit Reference Agencies (CRAs), depending on the victim-survivor’s circumstances, to minimise the negative impact on their credit files. The Government is continuing to work closely with CRAs, lenders, and consumer organisations as this work develops.
The Economic Secretary was also pleased to recently welcome Sam Smethers, CEO of Surviving Economic Abuse, a leading economic abuse charity, to the Financial Inclusion Committee. This Committee helped develop the Strategy and will support its delivery moving forward.
To ask His Majesty's Government what plans they have to allow a victim of financial coercive control to reset their credit score to its value before the abusive relationship began.
To ask His Majesty's Government what plans they have to allow a victim of financial coercive control to reset their credit score to its value before the abusive relationship began.
Last year, the Government published a Financial Inclusion Strategy which includes economic abuse as a key theme across its areas of focus, in recognition of the particular challenges victim-survivors can face in accessing financial products and services.
The Strategy seeks to support victim-survivors to regain financial independence. This includes an intervention to improve the impact of economic abuse on victim-survivors’ credit scores and, through this, their ability to access products going forward. This work will develop appropriate options lenders should take when reporting data to Credit Reference Agencies (CRAs), depending on the victim-survivor’s circumstances, to minimise the negative impact on their credit files. The Government is continuing to work closely with CRAs, lenders, and consumer organisations as this work develops.
The Economic Secretary was also pleased to recently welcome Sam Smethers, CEO of Surviving Economic Abuse, a leading economic abuse charity, to the Financial Inclusion Committee. This Committee helped develop the Strategy and will support its delivery moving forward.
I know how passionate my hon. Friend is about the Government’s priority to get more first-time buyers on to the housing ladder. As he and I have discussed before, people looking to buy a home can build their credit history through rent payments by using third-party services that report these things to credit reference agencies. I think that he and I would agree that better awareness of such services and the mortgages available that take account of tenants’ rental payments would be a good thing.
I know how passionate my hon. Friend is about the Government’s priority to get more first-time buyers on to the housing ladder. As he and I have discussed before, people looking to buy a home can build their credit history through rent payments by using third-party services that report these things to credit reference agencies. I think that he and I would agree that better awareness of such services and the mortgages available that take account of tenants’ rental payments would be a good thing.
Young people in North West Cambridgeshire and across the country are struggling to access mortgages and get on to the housing ladder due to thin credit files. Will the Minister explore requiring lettings agents and large landlords, with the consent of tenants, to report rental payment data to credit reference agencies so that a record of paying rent on time can contribute to tenants’ credit histories and help them access mortgages?
Young people in North West Cambridgeshire and across the country are struggling to access mortgages and get on to the housing ladder due to thin credit files. Will the Minister explore requiring lettings agents and large landlords, with the consent of tenants, to report rental payment data to credit reference agencies so that a record of paying rent on time can contribute to tenants’ credit histories and help them access mortgages?
Young people in North West Cambridgeshire and across the country are struggling to access mortgages and get on to the housing ladder due to thin credit files. Will the Minister explore requiring lettings agents and large landlords, with the consent of tenants, to report rental payment data to credit reference agencies so that a record of paying rent on time can contribute to tenants’ credit histories and help them access mortgages?
I know how passionate my hon. Friend is about the Government’s priority to get more first-time buyers on to the housing ladder. As he and I have discussed before, people looking to buy a home can build their credit history through rent payments by using third-party services that report these things to credit reference agencies. I think that he and I would agree that better awareness of such services and the mortgages available that take account of tenants’ rental payments would be a good thing.
To ask His Majesty's Government what support is in place to help recover the credit score of victims of domestic abuse when their credit score has been impacted by an abusive partner.
To ask His Majesty's Government what support is in place to help recover the credit score of victims of domestic abuse when their credit score has been impacted by an abusive partner.
This Government recognises the devastating impact economic abuse can have on victims, even long after a relationship ends. ‘Freedom from Violence and Abuse: a cross-government strategy to build a safer society for women and girls’, published on 18 December 2025, outlined a package of commitments to tackle economic abuse.
This included a commitment from His Majesty’s Treasury (HMT) to work with Credit Reference Agencies, lenders and the third sector to improve the way coerced debt is reflected on victim-survivors’ credit files with the aim of making it easier for them to access financial products in the future. This commitment was also included in HMT’s recent Financial Inclusion Strategy which considered economic abuse as a key theme, in recognition of the particular challenges victim-survivors can face in accessing financial products and services.
To ask the Secretary of State for Environment, Food and Rural Affairs, whether she has had recent discussions with (a) Ofwat and (b) Thames Water on the potential merits of issuing penalties to Thames Water for alleged breaches of its license agreement in the context of its investment grade credit...
To ask the Secretary of State for Environment, Food and Rural Affairs, whether she has had recent discussions with (a) Ofwat and (b) Thames Water on the potential merits of issuing penalties to Thames Water for alleged breaches of its license agreement in the context of its investment grade credit...
The enforcement of licence conditions is a matter for Ofwat as the independent economic regulator. To remedy its licence breach in losing its investment grade credit ratings in 2024, Ofwat has confirmed it accepted an enforcement undertaking from Thames Water in August 2024 (Ofwat confirms actions for Thames Water following investment credit rating downgrade - Ofwat). These commitments will remain in place until the company regains two investment grade credit ratings.
To ask the Chancellor of the Exchequer, what assessment she has made of the potential impact of adding a default notice to customers' credit files before the resolution of their payment disputes with energy providers on their credit rating.
To ask the Chancellor of the Exchequer, what assessment she has made of the potential impact of adding a default notice to customers' credit files before the resolution of their payment disputes with energy providers on their credit rating.
The Government recognises that information relating to arrears, such as a default notice, can have an adverse impact on an individual’s credit file. While the decision to report arrears information about an energy account to a credit reference agency is ultimately a matter for the energy company, energy companies and other organisations that report such information are expected to follow the Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies, available at: https://www.scoronline.co.uk/wp-content/uploads/2021/05/Principles-for-the-Reporting-of-Arrears-Arr….
To ask the Secretary of State for Science, Innovation and Technology, pursuant to the Answer of 29 October 2025 to Question 83709 on Electronic Government: Proof of Identity, what assessment she has made of the risk that people with limited credit history are disproportionately excluded from verifying their identity through...
To ask the Secretary of State for Science, Innovation and Technology, pursuant to the Answer of 29 October 2025 to Question 83709 on Electronic Government: Proof of Identity, what assessment she has made of the risk that people with limited credit history are disproportionately excluded from verifying their identity through...
GOV.UK One Login provides multiple ways for individuals to prove their identity. Individuals with access to a smartphone and traditional ID documents such as a passport or driving licence can complete verification via the GOV.UK One Login App, which does not require a credit history check.
For those who do not have a smartphone, we have a web route available. We also have a no photo ID route for those without traditional ID documents. These routes use knowledge-based verification questions based on a user's credit history. GOV.UK One login is just one way Companies House users can prove their identity and they provide an alternative via Authorised Corporate Service Providers (ACSP).
To ask the Secretary of State for Housing, Communities and Local Government, with reference to the Answer of 28 July 2025 to Question HL9659 on Elections: Proof of Identity, whether (a) basic bank accounts and (b) prepaid cards that do not require credit checks could be used.
To ask the Secretary of State for Housing, Communities and Local Government, with reference to the Answer of 28 July 2025 to Question HL9659 on Elections: Proof of Identity, whether (a) basic bank accounts and (b) prepaid cards that do not require credit checks could be used.
Bank cards will be accepted as voter ID if they are issued by a UK-regulated bank and display the elector’s name. This includes cards issued with a basic bank account and prepaid cards that meet these requirements.
Answers to frequently asked questions relating to banking, credit, mortgages, investments and financial service fraud.
Answers to frequently asked questions relating to banking, credit, mortgages, investments and financial service fraud.
To ask the Chancellor of the Exchequer, what steps she is taking to ensure that renters can include regular rent payments in credit reports to support access to credit and financial products.
To ask the Chancellor of the Exchequer, what steps she is taking to ensure that renters can include regular rent payments in credit reports to support access to credit and financial products.
Ensuring individuals have access to the appropriate financial products and services they need is a key priority for the Government. This is why I have committed to publish a Financial Inclusion Strategy later this year which will seek to tackle a range of barriers individuals face, including how to increase access to affordable credit for underserved consumers.
Credit reference agencies (CRAs) have traditionally only collected data on consumers’ credit agreements, so rental payments made under tenancy agreements are not typically recorded on credit reports. However, since the Government’s Rent Recognition Challenge in 2017, various third-party services have emerged to make it possible for rental payments to be reported to CRAs and subsequently appear on individuals’ credit reports.
To ask the Secretary of State for Business and Trade, whether his Department has made an assessment of trends in the level of market competition in the consumer credit rating sector.
To ask the Secretary of State for Business and Trade, whether his Department has made an assessment of trends in the level of market competition in the consumer credit rating sector.
The government recognises the significant role of healthy competition in markets in giving consumers access to services and products of high quality, supporting business growth and the wider economy. Responsibility for investigating individual and market-wide competition concerns falls to the Competition Markets Authority (“CMA”), the UK’s independent competition authority. The government has ensured that the CMA has significant powers to investigate and act to ensure markets remain competitive, and consumers are protected from unfair or exploitative market practices.
New clause 1 (Impact of orders for possession on credit ratings) debated and withdrawn. New clause 2 (Review of the impact of the Act on the housing market), debated with new clause 3 (Report on certain matters relating to tenancy reform) and new clause 7 (Impact of Act on provision of short-term lets), debated and withdrawn. New clause 4 (Assessment of operation of possession process) debated and withdrawn. New clause 5 (Repeal of requirement for selective licensing), discussed with new clause 9 (Changes to discretionary licensing), debated and withdrawn. New clause 8 (Guarantor to have no further liability following death of tenant), discussed with new clause 14 (Restrictions on the requirement for tenants to provide a guarantor), debated and withdrawn. New clause 10 (Home Adaptations) debated and withdrawn. New clause 11 (Rent controls) debated and withdrawn. Bill, as amended, to be reported (Bill 123). Written evidence reported to the House.
New clause 1 (Impact of orders for possession on credit ratings) debated and withdrawn. New clause 2 (Review of the impact of the Act on the housing market), debated with new clause 3 (Report on certain matters relating to tenancy reform) and new clause 7 (Impact of Act on provision...
To ask the Secretary of State for the Home Department, when her Department began using Equifax checks as part of the fee waiver assessment process for leave to remain applications.
To ask the Secretary of State for the Home Department, when her Department began using Equifax checks as part of the fee waiver assessment process for leave to remain applications.
The Home Office have had contracts to enable financial checking since at least 2014 and therefore financial checks may have been used as part of fee waiver considerations from this date.
As outlined in the Fee Waiver guidance, checks may be undertaken with agencies such as HM Revenue & Customs, the Department for Work and Pensions and credit checking agencies (for example Equifax or Experian) to verify information provided by the applicant with regard to their income and finances.
https://www.gov.uk/government/publications/applications-for-a-fee-waiver-and-refunds
The declaration that is completed by customers as part of their application outlines the fact that such checks are undertaken. Decision makers will also gain written consent from individuals for checks to be undertaken where we do not already hold it.
To ask the Secretary of State for the Home Department, whether her Department confidentially destroys third party data received as part of Equifax checks conducted in fee waiver applications.
To ask the Secretary of State for the Home Department, whether her Department confidentially destroys third party data received as part of Equifax checks conducted in fee waiver applications.
The Home Office have had contracts to enable financial checking since at least 2014 and therefore financial checks may have been used as part of fee waiver considerations from this date.
As outlined in the Fee Waiver guidance, checks may be undertaken with agencies such as HM Revenue & Customs, the Department for Work and Pensions and credit checking agencies (for example Equifax or Experian) to verify information provided by the applicant with regard to their income and finances.
https://www.gov.uk/government/publications/applications-for-a-fee-waiver-and-refunds
The declaration that is completed by customers as part of their application outlines the fact that such checks are undertaken. Decision makers will also gain written consent from individuals for checks to be undertaken where we do not already hold it.
To ask the Secretary of State for the Home Department, what steps she is taking to minimise unnecessary data (a) collection and (b) sharing through Equifax during the fee waiver application process.
To ask the Secretary of State for the Home Department, what steps she is taking to minimise unnecessary data (a) collection and (b) sharing through Equifax during the fee waiver application process.
The Home Office have had contracts to enable financial checking since at least 2014 and therefore financial checks may have been used as part of fee waiver considerations from this date.
As outlined in the Fee Waiver guidance, checks may be undertaken with agencies such as HM Revenue & Customs, the Department for Work and Pensions and credit checking agencies (for example Equifax or Experian) to verify information provided by the applicant with regard to their income and finances.
https://www.gov.uk/government/publications/applications-for-a-fee-waiver-and-refunds
The declaration that is completed by customers as part of their application outlines the fact that such checks are undertaken. Decision makers will also gain written consent from individuals for checks to be undertaken where we do not already hold it.
To ask the Secretary of State for Environment, Food and Rural Affairs, if he will appoint a special administrator for Thames Water; and if he will make an assessment of the potential impact of the decision by Moody's to downgrade Thames Water's credit rating to junk status on its licence...
To ask the Secretary of State for Environment, Food and Rural Affairs, if he will appoint a special administrator for Thames Water; and if he will make an assessment of the potential impact of the decision by Moody's to downgrade Thames Water's credit rating to junk status on its licence...
The company remains stable and we are closely monitoring the situation.
It would be irresponsible to comment on hypotheticals.
Lords statement on a new mortgage charter.
Lords statement on a new mortgage charter.
My Lords, when the Chancellor made his Statement on Monday, he did so against a rapidly deteriorating backdrop for Britain’s mortgage holders. Interest rates have risen 13 times to a 15-year high of 5%, but inflation is stuck at 8.7%. The average two-year fixed-rate mortgage has increased from 2.6% to...
My Lords, when the Chancellor made his Statement on Monday, he did so against a rapidly deteriorating backdrop for Britain’s mortgage holders. Interest rates have risen 13 times to a 15-year high of 5%, but inflation is stuck at 8.7%. The average two-year fixed-rate mortgage has increased from 2.6% to...