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Hi all

 

new to the forum. I apologise if this is the wrong sub forum.

I have recently decided to get my credit in order. I have for a long time buried my head in the sand and in the process ended up with 2 ccjs and iva i didnt make a payment to after careful 3rd party talks decided it wouldnt be right, numerous defaults.

 

I have made the first steps

Got my credit File from Experian and Equifax

 

these show the following

 

ACTIVE

297 - o2

325 - o2

116 - Indigo Michael (Safety net credit) Paid off in full this month account closed.

 

Closed

(with a default balance)

 

400 - O2

765 - Lowell Portfolio ( Provident)

872 - Lowell Portfolio (VODAFONE)

241 - Motormile Finance (Lending Stream)

285 - PRA Group

216 - APS OVERDRAFT (cashplus credit card)

304 - o2

441 - o2

204 - Lowell Portfolio

258 - CFO Lending (now with Motormile finance)

390 - Vanquis

 

1,361 - CCJ - 20-08-2012

473 - CCJ - 21/2/2013

0 - IVA - 21/12/15

 

Im am looking for best advise to get this ^ problem in order, paying them all off in full although my preffered option is one I just aint capable of at the present time.

 

CCJ 1

This was taken out by Swansea Council without my knowledge and only after getting my credit file was I aware it even existed. I had moved from Swansea 2 years prior to the judgement and signed the house over to my ex partner at her address.

 

CCJ 2

this was for a advertising debt for a limited company I was running and am unsure as to why or how they gained a judgement in my name when I never signed a directors guarantee etc.

 

IVA

I signed up to an IVA but after careful consideration and persistant messing about by the managing company Knightsbridge I decided to pull out of letting them handle my debts and here I am.

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paying anything off will NOT improve you credit file ever.

 

 

best idea sadly

is to wait 6yrs from each default date on each debt - it will then vanish from your file

same as the CCJ's

 

 

atleast that will give you a clean file.

doesn't mean the debts nor the CCJ are not 'owed'

but paying wont help you at all remedy the file

it wont remove dafaults

it wont remove CCJ's

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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