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Repairing credit rating


fatskintslug
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Hi

 

Not sure whether I'm in the right section here or not,

but I would like to rebuild my credit rating with the aim of getting a mortgage.

You can read about my debts and history at

http://www.consumeractiongroup.co.uk/forum/showthread.php?432514-settling-a-old-CCJ-from-CL-finance-for-old-HSBC-card-debt/page2

 

I'm going to wait until my ccj falls off my credit rating next month, in fact probably be Dec

before I can do anything as I assume it takes a month for the credit reports to refresh after that (ccj ends on 10th of Nov! Yay!),

but what is the best thing to do to get this credit rating of 1/5 on noddle back up to a 5?

 

I'm not sure where to start. I assume I'll have trouble getting credit with a 1 rating.

 

Is is worth paying for noddle improve? I'm on electoral roll and my address history shows on there. The ccj is the only debt which displays now.

 

Also need to improve husbands credit rating as we want a mortgage, but we'll start a seperate topic for that as his circumstances are different.

 

Ideas and suggestions welcome :)

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the CCJ will be the reason for the 1

 

 

have you other running credit showing

and no other defaults?

 

 

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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No other credit is showing and no defaults are appearing. It's a pretty boring credit rating really! Just my natwest bank accounts showing which are both green all the way across :)

 

Should I not apply for some kind of credit card and pay it off in full each month to bring me back up?

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your banks accounts will help

 

 

you could apply for a card but certainly NOT vanquis are anyof those ones

 

 

how about one through your bank?

 

 

my neighbours cra went from 1/5 to 5/5 within weeks of the CCJ reaching 6yrs.

 

 

he got a mortgage

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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Share on other sites

no shouldn't hurt.

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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Share on other sites

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