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dont know how to post?
moneysupport
Posts: 2 Newbie
:)sorry about this thread but ive been looking how to post and i just carnt figure it out? lol, :rotfl:,
What I wanted to post was just a quick question, my girlfriend has terrible credit rating and she wants to know if having a savings account would help her rating? shes just joined the electrol register and pay off her debt payments each monch as agreed by her debt collectors, but she will be paying these collectors for the next 3 years and her credit will be still very poor, any suggestion as to help her please? we want to get a house together but my credit rating is excellent and correct me if Im wrong but if she was to join the mortgage with me then wouldnt I be affected in my credit score? We both dont want this to happen so I tried to come here for help but I had no idea how to post??:rotfl:
So, I hope all the great posters out there could help our situation please? bottom line is my girlfriend wants to improve her credit (which is VERY poor), save money for our house and maybe not affect me? thanks for taking the time to read this, just one more thing if your replying to this please could you send it to me via private message? Id be able to find it better thats all haha:), Im rubbish on computers, thanks again!!
What I wanted to post was just a quick question, my girlfriend has terrible credit rating and she wants to know if having a savings account would help her rating? shes just joined the electrol register and pay off her debt payments each monch as agreed by her debt collectors, but she will be paying these collectors for the next 3 years and her credit will be still very poor, any suggestion as to help her please? we want to get a house together but my credit rating is excellent and correct me if Im wrong but if she was to join the mortgage with me then wouldnt I be affected in my credit score? We both dont want this to happen so I tried to come here for help but I had no idea how to post??:rotfl:
So, I hope all the great posters out there could help our situation please? bottom line is my girlfriend wants to improve her credit (which is VERY poor), save money for our house and maybe not affect me? thanks for taking the time to read this, just one more thing if your replying to this please could you send it to me via private message? Id be able to find it better thats all haha:), Im rubbish on computers, thanks again!!
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Comments
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Can your girlfriend get a basic bank account? I believe to help her credit rating she needs to get some form of current account if she can?Personal Loan: Start: £22020:eek: Now: £18800 :j
Credit Card: £600
Overdraft: £5000 -
Not sure how savings would help, it would be better to try to clear debts quicker with any extra cash. Don't think this will help her credit rating straight away, I think it takes 6 years for old defaults to drop off
HTHSometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56Weightloss : 0/34lbs0 -
Hi Moneysupport,
If your girlfriend does have defaults, then it does take 6 years from the date they are applied onto a persons credit file until they come off. Getting any kind of credit and including a cheque book during this time can be very difficult if not impossible. Being on the electoral role and having even a basic bank account will help in the meantime though.If you've nothing decent to say, perhaps you shouldn't say anything.
£2 savings jar £300:D
Total credit card debts £1250:mad::mad::mad::mad::mad: - Will I ever learn!!0
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