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Maximizing credit rating from very bad situation
Comments
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k, ill talk to you then ill pm ya to let ya no0
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Getting paid in cash is not necessarily a bad thing - shops sometimes do this I believe as well as small businesses where there is a lot of cash coming in as it cuts the cost of issuing wages. As long as the firm is paying is doing it by the book it's fine. If you are earning over about 5000 a year you will need to fill in a tax form and may have to pay some tax.
The best thing we can do is see the SOA and see if we can cut the bills down a bit and advise which debts you should pay off first. The best advice for bills though is shop around.
Good LuckMaking my money go further with MSE :j
How much can I save in 2012 challenge
75/1200 :eek:0 -
hey peeps, finally got my rating back, so here it goes;
personal details at the top of the page
Then i have the electrol roll information
E1 Local authority Canterbury city council (then my address) from 10/2002 to present
Credit account information:
C1 Personal details
Arrangement - 05/04
Barclaycard - Credit Card/Store Card
Started 13/08/03 Balance £2897 Limit £3500
Status history- 000000000000
In the last 36 months of activity the number of status 1-2 is 0 and the number of status 3+ is 0
file updated period to 30/09/07
C2 Personal details
Barclays Banks PLC Bank
Default £288 Defaullted £24/04/06 Balance Satisfied
Status History 8
File updated for the period 29/10/06
C3 Personal Details
Barclays bank PLC
Defaukt £79 defuakted 06/01/06 Current Balance £79
Status Hisotry 8
file updated for the period of the 25/06/06
Previous Searches
P1 Personal details
searched on 15/08/07
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P2 Personal details
searched on 15/08/07
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P3 Personal details
searched on 20/05/2007
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P4 Personal details
searched on 18/11/06
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P5 Personal details
searched on 18/11/06
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
Well thats it peeps, my doom confirmed in paper!!! i hope you can all help me with my problems and explain some really good methods of winning against the debtors!!! at the mo i am loosing sorely!
also i have a issue with the report, if you note that on C3 i have absaloutley no debt for that amount, in fact i got rid of ALL my overdraft debts and never get a balance sent through my door for ANY barclays account anymore, can this be accounted for?!!!!! thanks!!!0 -
jermaindefoe wrote: »personal details at the top of the page
Then i have the electrol roll information - good
E1 Local authority Canterbury city council (then my address) from 10/2002 to present
Credit account information:
C1 Personal details
Arrangement - 05/04
Barclaycard - Credit Card/Store Card
Started 13/08/03 Balance £2897 Limit £3500
Status history- 000000000000
In the last 36 months of activity the number of status 1-2 is 0 and the number of status 3+ is 0 - good
file updated period to 30/09/07
C2 Personal details
Barclays Banks PLC Bank
Default £288 Defaullted £24/04/06 Balance Satisfied
Status History 8 - bad - 8 will not help you at all in the current climate
File updated for the period 29/10/06
C3 Personal Details
Barclays bank PLC
Defaukt £79 defuakted 06/01/06 Current Balance £79
Status Hisotry 8 - you need to clear this up if possible. Ask Experien for details on how to do this and then write to them (sedn a CCA letter if necessary) it can be corrected if the debt was incorrectly added.
file updated for the period of the 25/06/06
Previous Searches
P1 Personal details
searched on 15/08/07
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P2 Personal details
searched on 15/08/07
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P3 Personal details
searched on 20/05/2007
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P4 Personal details
searched on 18/11/06
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
P5 Personal details
searched on 18/11/06
searched by royal and sun alliance insurance plc
application type unrecorded enquirey
also i have a issue with the report, if you note that on C3 i have absaloutley no debt for that amount, in fact i got rid of ALL my overdraft debts and never get a balance sent through my door for ANY barclays account anymore, can this be accounted for?!!!!! thanks!!!
What are all the searches for?If you've have not made a mistake, you've made nothing0 -
no idea? credit?0
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hmmmm, i just thought, does the c3 mean i have £790
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Hey thats great your deciding to turn your life around and get stuck into your money issues.
First things first is to start the repayments and keep them going.
Amanda, your credit history is not that bad. The main thing is to get the accounts "Satisfied" so you can then move on and start planning for your future.
Have you applied for alot of credit and been knocked back? Im asking because there are alot of searches of your file. If so stop applying for the period your paying back your debts.
Good Luck!:D0 -
Just wanted to say welcome to the forum and you sound like you are really tackling your issues head on.
Good luck
Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
I just wrote a huge reply and then lost it. Here goes again, briefer this time
:
1) Write to Barclays and ask them to clarify C3 as it looks like a satisfied debt that hasn't been marked. As far as I know you would have had to have paid back C3 in order to get defaulted again at C2. Then write to Experian and get it corrected.
2) Have you paid bank charges on the accounts? You know, over limit, late payment, returned cheque, any of those charges where they charge you £30 to send you a letter that tells you they're charging you £30? If so check out the reclaiming... board here. MAny people have asked that defaults relating to unfair charges be expunged, and we've won! It's a fairly quick solution if it applies to you
3) Unless anything has changed you have a pretty good plan to pay back the reemaining balance, so no need for further comment unless you want it?!
4) Have you renewed car insurance etc. or looked for quotes on a comparison website? Those P1-P5 searches are not part of your 'true' credit file - they have no effect on your rating, they are just the paper trail to show an info search has been made. This is just for fraud purposes and doesn't allow them to look at or evaluate your credit info. I believe they may be from confused.com?!
Hope this helps?!0 -
silvercharming wrote: »I just wrote a huge reply and then lost it. Here goes again, briefer this time:
1) Write to Barclays and ask them to clarify C3 as it looks like a satisfied debt that hasn't been marked. As far as I know you would have had to have paid back C3 in order to get defaulted again at C2. Then write to Experian and get it corrected.
2) Have you paid bank charges on the accounts? You know, over limit, late payment, returned cheque, any of those charges where they charge you £30 to send you a letter that tells you they're charging you £30? If so check out the reclaiming... board here. MAny people have asked that defaults relating to unfair charges be expunged, and we've won! It's a fairly quick solution if it applies to you
3) Unless anything has changed you have a pretty good plan to pay back the reemaining balance, so no need for further comment unless you want it?!
4) Have you renewed car insurance etc. or looked for quotes on a comparison website? Those P1-P5 searches are not part of your 'true' credit file - they have no effect on your rating, they are just the paper trail to show an info search has been made. This is just for fraud purposes and doesn't allow them to look at or evaluate your credit info. I believe they may be from confused.com?!
Hope this helps?!
1) is it not possible for the money to be 79+ opposed to -79? hopefull thinking lol! also what would i say, that i applied to experian for a credit rating and it appeared on the form?
2) i have defs paid bank charges, loads of them i do believe, however i cant remeber them as i paid a few i think!!! and i wasent really paying attention, how can i find them out?
3) current plans ok then?
4) i have had a few car insurance quotes from travel supermarket?
thanks for the reply, also someone wrote that 8 is very bad against the c2 in a quoted message, how do i improve this, and why is it worse than my credit card score seeing as i have has the most warningds bout that and also the overdraft is paid off!!!
thanks peeps0
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