My Debt-Free-Wannabe Diary

DontDoDebtKids

Statement for Capital One came in the post on Saturday and I couldn't bear it being over £3000 so I paid £21.56 to it then and there!

Debt Totals

Egg: £6659.42
Capital One: £3000.00
Lloyds: £1946.28
Amex: £5987.88

Total: £17,593.58

DontDoDebtKids

:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

Blasted site doesn't work! "there was a problem" Grrrrr.

Managed to register and have my security code sent to me but these things are never as easy as the promise.

:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

DontDoDebtKids

Got my £31.95 from Quidco so that goes straight to Capital One!

Debt Totals

Egg: £6659.42
Capital One: £2968.05
Lloyds: £1946.28
Amex: £5987.88

Total: £17,561.63

gallygirl

Well done, impressive pay off rate, I like the %'s!

DontDoDebtKids

Yippee! Got this to work after sending a snotty (but nice) email to their customer services, who replied very quickly :j

All green bar two, one red :eek: and one orange - the orange one for having a linked address (my parents') and a red one for not having any credit searches (this is bad?!?):

There are no credit application or search footprints on your credit report.

This may be for a good reason, and is not always bad news:
some applications leave only ‘enquiry’ footprints
some lenders don’t search you if your score is high enough (or so low that you wouldn’t pass the ‘cut off’ score on their scorecard)
search footprints are left only at the credit reference agency searched so your financial activity will be spread around three credit reference agencies
compared to other information on your credit report, searches are only displayed for a relatively short period

Too many searches in a short period of time can indicate desperation for credit, or even can ring fraud warning bells. Too few searches demonstrate a person who is relatively credit inactive. That’s not a crime. At both ends of the scale, the level of searches can have an impact on your file although lenders can interpret their importance differently.

Contrary to old wives’ tales, adding searches to your credit report won’t blacklist you for credit. Even comparatively high numbers of searches only has a limited impact on your credit rating

Gemmzie

Mine says that too and Mum's

Orange seems to be neutral, so not worrying about it

DontDoDebtKids

Looking forward to the 5p listing day tomorrow! Have put stuff on the bed to begin a mammoth listing session this evening on turbo lister, for submitting on Thursday!!!

Also, my stuff on ebay at the moment has attracted quite a few bids and is now going for a combined £153.49 :j :j :j :rotfl:

DontDoDebtKids

As Mirtos just got down to about £18,000 worth of debt too, we've begun a challenge for five people to clear £18,000 worth of debt as quickly as possible.

I've included a link in my signature!

:think: I wonder what I can do to win win win!!!

DontDoDebtKids

Taking advantage of the 5p listing day, I managed to get 24 :j items on ebay before I left for work this morning (most of them written last night). Wow.

Will try to do a few more this evening.

Also, transferred £147.93 :j from PayPal from my auctions that finished yesterday and am expecting a further £21.99 :j in cash when another item is collected. Will post the items that need posting today and note how much postage and ebay fees were and then transfer the remainder to my Capital One Credit Card!!!

:beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:

DontDoDebtKids

Wow. I had a positive balance in my bank account for so long that I earned.....7p :j

Sent to Capital One Card. Anal? Yup.

Debt Totals

Egg: £6659.42
Capital One: £2967.98
Lloyds: £1946.28
Amex: £5987.88

Total: £17,561.56