Defaults

lynzpower

LOL!!! Not sure my OH will let me away from this computer but I can recommend https://www.completelyskintanddateless.com

Willsnarf1983

Lynz if only that site was real

and to be honest i really don't think the financial side is the most important side of this for u breakdown, get ur life sorted first

Will

amosworks

But *hypothetically* speaking, if somebody was in a situation like Breakdown is now but sorted it out, after a little time would credit rating not be better than if it had never happened? (Regardless of lessons learnt and our distaste for credit)

lynzpower

Willsnarf1983 wrote:

Lynz if only that site was real

and to be honest i really don't think the financial side is the most important side of this for u breakdown, get ur life sorted first

Will

LOL, and how long does getting your life sorted TAKE Will? Ive been trying for 28 years and im still grappling in the dark

Willsnarf1983

you know what i mean, there really is no point in Broke whatever he is caled trying to sort his debt out if he doesn't sort his life and gambling out

Will

lynzpower

Oh absooultey agree with you, but maybe breakdown might feel like hes in more control if he gets to grips with his figures, many of us have done

breakdown2007

eveyrones avoiding the topic? i asked about wheather or not i have to pay all my debts to the collections off before i can gain credit again im not syaing i want to but im aksing when ok lol everyones avoiding what im asking

breakdown2007

anyone going tell me then

file_wizzard

In short there are a variety of lenders who will have less stringent lending requirements for people with a previous history of problems, however even the “sub-prime” lenders normally want to see at least 6-12 months of either stable payments of the existing debts, or that the debts are fully cleared.

Unfortunately even when the debts are cleared the slow / late payment history can in some cases remain on your credit file for up to 6 years, this will normally deter most of the high street lenders from granting standard products i.e current accounts, overdrafts & credit cards, but in most cases things like secured loans. Car loans, and mortgages will be evaluated on the individuals current ( i.e last 12-24 months) status rather than purely relying on they previous history.

In short all lenders have different scoring parameters and the question of “when can I get credit” is as long or as short as piece of string depending on the above factors

breakdown2007

ok sir thanks for your help