credit score

TotallyBroke

davethorp wrote: »

My blog will generate a credit score that is every bit as useful as the score generated by the credit reference agencies. Even better it will do it for free

Thanks that has cheared me up, that's the best score I have ever had that I am aware of, only been checking the last couple of years. Although I am getting rid of my debt and paying it on time my score is getting worse lol.

TotallyBroke

Fliss_M wrote: »

Aw poop! It was a store account, forgot to pay 40 measily quid! And I shut it 2 months ago as I dont shop there anymore (coz I lost enough weight that I dont buy clothes that big anymore :rotfl:)

It makes no difference it will still show until six years is up.

Moggles_2

Fliss_M wrote: »

Aw poop! It was a store account, forgot to pay 40 measily quid! And I shut it 2 months ago as I dont shop there any more...

Never mind, you can't win 'em all.
Congratulations on your weight loss, Fliss
:beer:

Fliss_M

Awwww, thank you very much. (as I love blowing my trumpet about it hehehe, its 35lbs, still 42 to go tho)

Have looked at my report again, and I see what you mean. It actually has a box at the top detailing my worst ever status, and thats 1. No way of knowing how many of them there are. (I had some problems bout 2004)

But am sure they dont always record them. I know I had a call from my new look card about a missed payment and paid that day via internet backing, and a few have called before and I paid over the phone. I think sometimes they list as U rather then 1. Certainly seems to have saved my credit report tho, lol (tho am sure I have never missed more then 1 payment)

Moggles_2

Fliss_M wrote: »

Am sure they don't always record them. I know I had a call from my new look card about a missed payment and paid that day via internet banking and a few have called before and I paid over the phone. I think sometimes they list as U rather then 1.

I think that's right. Lenders vary in this respect, as with everything else.
Btw, some (eg. Barclaycard) always report payments as little as a day late to the CRAs, even when staff have promised otherwise :rolleyes:

Forewarned is forearmed, as they say

Very best
M