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Hypno's "there's more to life than debt" diary.....

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Comments

  • boredofbeingathome
    boredofbeingathome Posts: 15,657 Forumite
    I got mine as well, whoop, whoop...and i am staying with Qype for the long haul..am chuffed to bits.

    I agree Hypno ya boo sucks to egg...
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Woot :T, WOOT :j, WOOT!!! :A:A:A

    Great news on the Credit Score Hypno, that PROVES how much you have achieved
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    OH's is 999 too!!!

    OK, so it has cost me £12 to discover that but that has to be the best £12 I have spent for a while!!!!!!

    :D:D:D:D:D
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • shaun40400
    shaun40400 Posts: 4,134 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    :Thypno
    great news for you two 999
    well done you
    WAS DEBT FREE & STILL BAAARRRRRKING :cool:
    hello my name is shaun,,,and im not so addicted to farmville,still addicted to football:o:o
    BAAAARRRRRRRRRRKING er insanely so :o
  • pandapaws
    pandapaws Posts: 2,119 Forumite
    Wow, brilliant! What site are you using to get the credit score? I've never bothered. Is it the same as lenders would actually see?
  • Gemmzie
    Gemmzie Posts: 14,876 Forumite
    Is it then possible to get a couple of new cards and balance transfer some of the high percentage debts or are you down to just loans now?
    No longer using this account for new posts from 2013
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    The hard work is paying off! I cannot believe how good it is making me feel! 2 years ago I was devastated to see that poor score - I couldn't even get a vanquis card for goodness sake (only did it for the cashback on topcashback, but even so!).....

    I reckon their systems are up the shoot and they are giving everyone 999 automatically......would be just my luck to check on the day they are having a glitch!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    pandapaws wrote: »
    Wow, brilliant! What site are you using to get the credit score? I've never bothered. Is it the same as lenders would actually see?

    I use creditexpert.com - go through quidco for cashback of course....... They are Experian who are one of the main reference agencies and have I have always been referred to them when I have been refused credit etc, so I think they are reasonable to go and check.

    They acknowledge that I have a lot of credit, but also say that I have paid on time, have no arrears blah blah, so I am a low risk. I wonder if the speed at which I have been paying off has also had any impact?

    Gemmz I am down to loans now, so will just get cracking and get them paid off - they are rates that are quite high, but that is actually an incentive to get rid of them sooner - I worry that if I got a 0% or something I might be tempted to take my foot off the gas.....can't have that!!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • boredofbeingathome
    boredofbeingathome Posts: 15,657 Forumite
    Don't be pessimistic now, 999 is brill and not down to a glitch at all..it is the cold talking...
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    hypno06 wrote: »
    Gemmz I am down to loans now, so will just get cracking and get them paid off - they are rates that are quite high, but that is actually an incentive to get rid of them sooner - I worry that if I got a 0% or something I might be tempted to take my foot off the gas.....can't have that!!!

    Did you also read in Martin's email letter that rate tarting is going to start affecting your credit rating as the banks are going to start checking with each other, soon there will be no more swapping from 0% card to 0% card!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
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