Next Step - Just Got Credit Report

Kris1985_2

Hi,

New to this, just bought my £2 credit report from Equifax, not sure what to do next all i know is that i cant get any credit in any form from Banks etc.

This is the details of what the report says;

Natwest Personal Loans - AP - Current Balance £11,865.00
Natwest Personal Loans - AP - Current Balance £859.00
Barclays Current Account - N/A - Current Bank Account
Barclays Current Account - Settled - 17/02/09
Natwest Card Services - Date Satisifed - 24/09/05 - Delingquant Balance £403.00
Santander Cards UK - Date Satisfied - 11/12/06
Aktiv Kapital - Date Satisfied - 20/10/05 - Delinquant Balance £314.00
Black Horse - Satisfied 23/12/04
O2 - Date Satisfied - 09/12/05
T-Mobile - Date Satisifed - 13/04/05

How can i improve my credit score, what can i do with this information?

Thanks,

Kris

fermi

Did you default any of those?

Kris1985_2

on the credit report it shows that;

Natwest Personal Loans - Default / Delinquant Balance - £11,965
(however there is no 'D' default shown on history)

Natwest Personal Loans - Default / Delinquant Balance - £1,059
(however there is no 'D' default shown on history)

Natwest Card Services - Default / Delinquant Balance - £403
('D' on July 2005, however no exact date shown)

Aktiv Kapital - Dfault / Delinquant Balance - £314
('D' on August 2005, however no exact date shown)

The latter two have been satisfied or settled.

Thanks,

Kris

Zelie

WRT the latter two, it should show in which month the debt was satisfied. In other words, there'll be an 'S' in June 2005 (or whenever). As for the rest, yes, they are probably affecting your access to credit. They'll drop off six years after the defaults. Not sure how that relates to the first two which don't have a 'D'.