Repair my credit history

[aargh]

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??

[Hazzinho]

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.

[Jamesx81x]

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.

[aargh]

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...

[aargh]

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

[Jamesx81x]

The defaults will be stopping you getting credit.

[Madas]

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