Need some advice on cedit rating

ecoute

Hi

Over the last year I have paid of my graduate loan (there was £3,600K outstanding) My car finance (8K outstanding) I now have a very manageable 4.9K in debt 2.3K on a cahoot loan - 877 on an overdraft and 1.5K on a credit card.

These debt are being cut monthly at a quick rate - the credit card and cahoot loan will be gone in the next few months.


I have just done a credit check on myself and scored a measly 420points. There is one major blimp on my file and its from Orange for £266 - I was on dispute with them about a bill (they upgraded me without my consent) then said I had an outstanding balance??? IT was all a bit strange I wrote to them and asked for clarification and they kept changing their story (i work in telecomms so know what these companies can be like)

On my credit check it says the Orange debt has gone to Default? What does this status mean and is there a way I can fix this?? I will pay it if I have to but is it too late now? Can I get this off my record?

Any advice gratefully received

tom188

That credit "score" you quote is completely meaningless as every lender will use their own criteria. I hope you did not pay for it.

Default means you have failed to pay.

ecoute

I paid for it - £6 I think -oh well

IS it worth me trying to pay the Orange thing now or not? Can I get the default removed?

ecoute

By the way is this i the correct forum?

ecoute

anyone have any info?