Past the final post

fishty

Hi All,

Well, after a long battle and loads correspondence forwards and backwards to creditors and reference agencies both my credit files are looking good. Experian is glowing green and although I know the CRA Score is to be ignored I couldn't help myself (999 - Excellent :A). Although relatively meaningless it was still nice to see :rotfl:.

Equifax is slighlty different as they show payment history going way back (!!!!!!s). My repayment section shows warning ! Although I have no defaults ccj's etc, I do have a couple of "arrangement to pay" blocks scattered about going back over 3 years ago. From 2008 to now everything is nice n green.

My main beef was with Cabot who from time to time put rougue information on my file and had to keep correcting information.

Debts are:
Cabot Financial £10,000 - now settled
Opus Visa Card £1600 now £190.00 (no longer use this one)
Natwest Mastercard limit £2100 now £1800.00 (I use this one often for online)
Very Catalogue limit £1000 now £0.00

There are other loans on file but they were settled a 2 or 3+ years ago.

Apart from Equifax not being quite as nice as I would like on the whole I am now a happy chappie. Well chuffed with the 999 score from experian (not gonna bother with eequifax).

Just thought I would share.....

Thanks for reading.

Fishty

PS - if anyone knows how the 3yr old "arrangement to pay" monthly entries could potentially affect me, would like to here your comments.

beanielou

Are you going to close the Very account?
Their APR is really high.

fishty

Thanks for your reply.
To be honest I haven't used 'Very' for some time now, for exactly the reason you mention. When I have used it, I have taken advantage of the 3 month interest free or buy now pay later. I have paid this off before interest kicks in. Although thinking about it, I have only purchased from them twice but figured there's no harm in keeping the account open incase of a rainy day. Fortunately I can resist temptation and it will have to be categorically peeing it down before making a further purchase.