Jump to content
lisadp1970

UK Credit Repair websites - can you really remove bad credit from your file just like that?

Recommended Posts

Hi

 

Mine and my husbands credit rating is shockingly poor and we are currently waiting for an eviction date to drop through the door as our home is due to be repossessed (husband lost his very well paid job 3 years ago and took one paying 1/3 of what he was earning so struggled badly ever since)

 

Even though the council are supposed to be "helping" us, I would rather find another home myself before we have to leave our currant house as we have three young children.

 

Problem with this is nearly all estate agents do credit checks and seem to take the attitude that as we have a terrible credit history we are evil dishonest people who will fleece them of their rent money!

 

I've come across a few websites which claim they can help you remove all bad credit history from your file, whih sounds ideal, but I wasn't born yesterday and can sense that their claims aren't all they're cracked up to be?

 

Any advice appreciated

Lisa

Share this post


Link to post
Share on other sites

They cant remove them just like that, It takes months of communication to get adverse entries removed. Whatever they do you can too but it isnt easy as the lender would rather write off a balance than remove the entry. I wouldnt pay anyone to do any of that because I am confident in doing so myself and have already got a dault removed. It isnt an overnight thing, You start with an SAR which takes 40 days (plus around 10 if you requested it correctly) and take it from there.

Share this post


Link to post
Share on other sites

you can do it all with help from here

 

however, just remember that things like late payment/under payment markers are a true reflection so are almoat impossible to get wiped

 

you really need to read as a much as you can

 

dx

Share this post


Link to post
Share on other sites

Isn't this the idea that a company puts money into an account (that they also set up for you but don't let you touch), and then record with the CRAs that the money is being transferred back to the company's accounts as a perfect payment record....basically it's a score manipulator. As long as you don't arse it up with missed payments with genuine credit commitmnts, it's a feasable way for credit lepers to get some credibility back.

Share this post


Link to post
Share on other sites
Isn't this the idea that a company puts money into an account (that they also set up for you but don't let you touch), and then record with the CRAs that the money is being transferred back to the company's accounts as a perfect payment record....basically it's a score manipulator. As long as you don't arse it up with missed payments with genuine credit commitmnts, it's a feasable way for credit lepers to get some credibility back.

 

Hi

Not really. Credit repair companies charge you to have adverse entries removed but really there isnt a point. I started cleaning up my file in December 2010 and Have already got a CCJ and a default removed. The other 2 defaults should be gone in a few weeks and then I have a new credit file.

Share this post


Link to post
Share on other sites

Hi new to this. Have bad credit (don't know why). I have checked files nothing unusal. Only went into bank the other day and they were extremely they wouldn't even put us down for an interview (regards loan)? Been banking with them for 12 years now! Want to know if there are any credit repairs negiotiators out there who could help sort out why this is happening to us.

:|

Share this post


Link to post
Share on other sites

Over the years all the bad stuff has dropped of my credit file but my score is terrible still. So I managed to get a Credit card (with a stupid high interest rate) and spend a small amount every month on it , paying it back on time every month and finally my score has started to increase. There is only a tiny limit on it and you need to be able to afford to pay the balance back every month for it to work but it seems to be working for me.

Share this post


Link to post
Share on other sites

this thread is 7 years old so start a new one. also dont make assumptions. You think youhave bad credit, then why do you think that and what does your credit files say that draws you to that conclusion.

Ask another bank for a loan interview and see what they say. You dotn have to put all your eggs in one basket

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Recently Browsing   0 Caggers

    No registered users viewing this page.



  • Tweets

  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • I was talked into signing up with Future Comms (future-comms.co.uk) who cold-called me to change my mobile contract to them, via 02, rather than EE. I have a small business (only me!) and it's a business contract. True, the 4G network is better for my area. This company seemed to be a marketing set-up for various telecoms companies, so I assumed anything I signed would be with 02 and didn't think it might be a problem.
       
      They sent an email whilst I was on the phone to set up the direct debit mandate with my bank which I signed electronically. That was the first, of many, problems I found. Apparently THAT was my contract, binding me to 3 years and no 'cooling off' period, because I was a 'business' (meaning any consumer rights did not apply). When I subsequently asked in writing for a copy of my contract, that is what they sent - when I argued it was a DD mandate they insisted it was my contract!
       
      2 days later they asked for my phone details to get it unlocked which I sent. 10 days later, EE closed my account, so I changed the SIM card to 02 that had come a few days before. No network! They had done nothing about unlocking it. Fortunately I was lucky with EE who managed to give me the right codes, rather than the usual 10 days to go through Samsung.
       
      By this time I was suspicious of their set-up and wanted to cancel. As I said earlier, I found myself trapped into a 3 year contract with no 14 day cooling off period (they don't offer that). Promises to deal with my complaints never happened, promised return calls neither....and on and on.
       
      Ofcom's rules apply to consumers and small businesses (under 10 employees), yet this shower don't acknowledge that. They just repeat and repeat that I am a business so it doesn't apply. To cancel the contract I have to pay the full 3 year's fees!!
       
      I would like to know if others have had similar experiences? Or does anyone know how I can maybe declare the 'contract' unenforceable? I have never before been locked into something without a clear written contract, with t&c's! And, yes, I have asked, and yes, I have been ignored.
      • 84 replies
    • Future comms!. Read more at https://www.consumeractiongroup.co.uk/topic/415706-future-comms/
      • 8 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
×
×
  • Create New...