Jump to content


aargh

Repair my credit history

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3633 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just been looking through Equifax, and want to get my credit up, had previous problems with temp jobs, now in a secure job i want to put it all behind me, but im unsure how...

 

Most of the listing on the Equifiax state Settled, but still defaults on the account can i request these be removed or anything??

Share this post


Link to post
Share on other sites

Get your self on the electoral role as this will help.

 

Regarding the defaults you will just have to make sure you don't get any more and then they will clear off your credit report 6 years after they were logged. That's all I think you can do, you can't ask for bad credit to be removed as this is why companies use credit reports, plus everyone would have great credit reports no matter what they did.

Share this post


Link to post
Share on other sites

Only thing you can do really is check if the Defaults were added correctly and were set out as they should be or the credit agreements were legit otherwise it is a wait 6 years from entry game as hazzinho said.


IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

Share this post


Link to post
Share on other sites

Im already on the Electoral Role, but im getting declind for credit cards, and even mobile phone contracts now, i never had a problem with this before... :(

Share this post


Link to post
Share on other sites

CurrentPrevious 1Previous 2 Confirmed Yes N/A N/A Length of Time on Electoral Roll6 years N/A N/A

beeno n the Electrol Role for 6 years as you can see.. Since 2003

Share this post


Link to post
Share on other sites

The defaults will be stopping you getting credit.


IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

Share this post


Link to post
Share on other sites

Hi,

 

I need a little advise if anybody can help.

 

I recently applied for a mortgage but was declined!

I ran a credit report to check on why this could happen,

I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for.

I found it was for a mobile phone i had with Vodafone!

This is where it gets confusing.

The phone in question was transferred to my ex boyfriend,

but vodafone transferred the wrong numbers!

I wrote to them to inform them of this and never heard anything again.

 

I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot.

 

Unfortunately this debt is not 6 yrs old yet!

Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error.

 

Anybody got any info they think may help me,

I would really appreciate any help.

 

Thanks


Madas x:mad:x;)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...