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    • Do you have historical meter readings from before the meters were changed? And more recent history showing consumption, in metered units not in £s,  since the change. One specific thing to check is gas. Check that the meter and the bill use the same units. If the meter is recording cu.m but they're billing as if it was counting 100 cu.ft, then your bill will be nearly three times too high.  Overall I'm guessing it's an Ovo screw up. It's significant that they didn't block the transfer, maybe they aren't so sure of their position.
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    • Just had an email re the my breache in agreement by her rep.   I asked you yesterday if they had asked about her name in the thread being removed.   The issue they have is the Elizabeth turner and genetic pups entry on google.   they knew I did not put it up and told them so in court.  I dnt know how to post on google.   I told them I cannot remove what I did not post.  when i come back here and saw her name gone from threads title, I presumed her reps sought it.   now I get an email saying her names still on google ur breaching the agreement as it’s still on google.  
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    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
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Finally out of debt - but AWFUL credit rating


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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Q1. No not dramitically or quickly, lenders look at a minimum of 3 and up to 5-6 years of good credit management,

coupled with their own unique inhouse methods of viewing apllications.

Q2. You are correct no chance, then you need to build a new credit profile over at least 3 years.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Might be an idea to check Experian (Credit Expert) as well.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Q1, No not dramatically or quicly, you will need to rebuild a credit profile for at least 3 years after the defaults are removed.

Q2, Correct no chance until these are removed then the same a Q1.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi,

 

Many banks update credit reference agencies, so if you have a current account and keep it out of an overdraft this may help. Also if you have a mobile phone contract that you keep running or similar it will show on a credit file. These wont help you much due to the negatives, but they will show that they were kept in goodstanding after the other debts were cleared. In time your credit history will start to clear but this will take years.

 

Please do not think that I am insulting you (I too have had the same problem as you) but it may not be the end of the world that you are unable to get credit. If you have had difficulties and sorted them then it is a relief. Being unable to get credit isnt nice but it is better than getting into further troubles.

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Just one point ALL banks update credit filesand monitor their clients files if necessary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i can only say that your rating will improve over time but it does take a while, once debts are satisfied, if you are looking for credit you will find it hard to get at the moment and the more requests you put in the worse it will look on your score.

I got a subprime credit card while my score was not to good, paid it regularly and now have a good rating and cards etc with main stream lenders but it has taken a few years.

If I have been of any help, please click on my star and let me know, thank you.

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  • 2 weeks later...

three threads merged

 

plese keep to ONE thread per issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The problem of building a better CRA file now is the

fact that whatever an individual tries to do to improve

their credit status the major lenders are increasingly looking

for longer than the once standard 3 years of credit history

when deciding if to loan or not, so the length of time needed

to reach a level that will give even a ''good'' chance on be

accepted increases in proportion.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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