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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


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