Jump to content

pokerchief123

Registered Users

Change your profile picture
  • Posts

    14
  • Joined

  • Last visited

Reputation

1 Neutral
  1. yep things exactly as i state, my own personal spin on things before coming on here was that, yes i have poor credit rating but i do have decent deposit so was hoping the latter may out weigh the defaults. main worry been that not sure if its entirely up to computer to decide my fate or if someone could take a look from a human perspective if u know what i mean?
  2. hi lea, thanks for your advice, i will take on board what you have said, might just try and hang on as long as possible before buying, every month may be crucial
  3. hi guys, just need a bit of advice regarding mortgage's, i currently am thinking of getting on property ladder, my current situation is this.... previously had very bad credit history, so currently have 2 defaults from mobile phone companies for relatively small amounts both £300-£400 ish both settled a long time ago and they have been on my record for 4 years and 5 years now. i currently have 3 years perfect credit history no missed or late payments and a few active accounts with very low balances gettin paid off in full every month, my current credit score is 600 from experian. im wanting to buy a house in the region of £130,000 and i have a cash deposit of £30,000, how do you think i will get on with deals interst rates etc? my partner has no idea of my past problems so just hoping i dont get any nasty shocks when it comes to seeing a mortgage advisor with her. any advice, tips or comments welcome thanks!!
  4. hi guys, just need a bit of advice regarding mortgage's, i currently am thinking of getting on property ladder, my current situation is this.... previously had very bad credit history, so currently have 2 defaults from mobile phone companies for relatively small amounts both £300-£400 ish both settled a long time ago and they have been on my record for 4 years and 5 years now. i currently have 3 years perfect credit history no missed or late payments and a few active accounts with very low balances gettin paid off in full every month, my current credit score is 600 from experian. im wanting to buy a house in the region of £130,000 and i have a cash deposit of £30,000, how do you think i will get on with deals interst rates etc? my partner has no idea of my past problems so just hoping i dont get any nasty shocks when it comes to seeing a mortgage advisor with her. any advice, tips or comments welcome thanks!!
  5. hi all, firstly id just like to say that im by no means a novice when it comes to the area of improving credit history as ive been working tirelessly over the past 2 years to improve my credit rating, i was very bad at handling finances before and have a bad credit score which reflects that. i know all the usual stuff, pay bills on time etc, but the part that im not too sure about is when it says in full?? now ive read alot of people say this and i just wanty clarity on the area if anyone can?? the credit i have is 4 credit cards, all smallish balances of around £500 ish on each, min payment on each is around £15 per month but i usually pay maybe £60-£100 on each per month, but then if i need to use them again then i will. my question is, by doing this every month until i can afford to clear them, will this improve my credit rating because im paying well above min payment on time every month?? people always say pay on time in full every month, is the second part of that purely because its cheaper?? my point been it does not in my opinion seem to matter if i dont clear full balance every month because as far as credit reference agencies are concerned each month its a nice shiny tick right?? many thanks in advance
  6. pleeease somebody give me some advice, tried to upgrade my basic bank account today to a current account, but got refused, Grrrrr. current experian credit score 583, is that a really bad score????
  7. hi all just wandered if anyone can review all my lines of credit and advise me if i have too many active accounts etc. basically up until 2 years ago i was totally snowed under with debt and did not have a clue what consequences my ill managed accounts was doing to my credit file. since then ive sat down, reviewed my situation and have been working very hard to clean up my credit file, including paying off debts, attempting to remove default notices and opening new lines of credit (which i pay on time every month) here goes: 3 basic bank accounts, no o/draft. 1 of them used for my monthly wage. other 2 just have £1 in, but each month they all get a nice tick from CRA. (are these 2 unused accounts doing any good/bad or neither?) 1 mobile phone account paid in full on time every month. 1 littlewoods account, small balance £150 ish, pay slightly over min payment every month. 1 vanquis credit card, limit £500, small balance payed on time every month. 1 cap one credit card £300 limit, small balance payed on time every month. 1 barclaycard initial credit card £800 limit, small balance payed on time every month. just been accepted today for aqua credit card £600 starting limit. do i have too many credit cards? or will all these good ticks every month be doing me the world of good? 3 default notices, with orange, vodafone and wonga. all currently disputing for different reasons, dark times behind me now. did successfully get a yorkshire bank default notice removed last year, due to no default notice been issued if uve read all this many thanks in advance, and any comments help/advice will be much appreciated.
  8. hi lee, thanks for the quick reply. not exactly sure where you want me to send these details, im not exactly sure either if you will be able to get me anywhere in regards to removing my default notice??? hmmm would you send me a more detailed explanation as to how are communication will work on this site plz??
  9. yeah they are amazing, will do an income and expenditure with you, basically calculate your incomings and outgoings excluding your debters, and then whatever is left they will split between all your creditors. simple as that. all free of charge
  10. vodafone and orange, not sure what you mean about going to relevant forum, im new on site so was not sure if i posted in correct place
  11. hi im looking for some advice/help on removing 2 mobile phone default notices. my current stategy is simply sending them a SAR hoping that if they fail to produce all account documents that this may make them remove defaults due to not having proof of account existance, would this work? or has anyone any better ideas?
  12. hi chaos i really do sympathise with your situation, i was once there and i know its the most hellish situation to be in, i contacted a free organisation called payplan who sorted everything out 4 me. good luck with whatever action u decide to take
×
×
  • Create New...