We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

credit score

My credit score is not to good well it could be better.The problem is i have paid credit cards or store cards late i have no ccj or anything like that.I was wondering if i paid everything on time from now on how long would it be before my credit score inproved?also when it says things are taken off after six years is that six years after accounts are closed.

Comments

  • I think if you pay on time for the next couple of months then things will start to improve for you. There will be a history that you've missed a few payments/late payments etc but it will also show how things have improved.. Hope this helps..

    Little L
    x
    Debt 28/12/06 £26,467
    £20 grocery challenge per week
    Savings £400
    £2 coins - £8.00
    DMP £357 pcm (CCCs) commenced 1/10/06
    DFD :think:
    proud to be dealing with my debts
  • carlos700 wrote:
    My credit score is not to good well it could be better.The problem is i have paid credit cards or store cards late i have no ccj or anything like that.I was wondering if i paid everything on time from now on how long would it be before my credit score inproved?

    Well the monthly payment figures are shown for 12 months I think, but about 6months of not missing the deadline should improve things a lot.
    also when it says things are taken off after six years is that six years after accounts are closed.

    Yes.
    Still wish I could buy a TARDIS instead of a house!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.