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Credit score and fdefault payment
ecoute
Posts: 8 Forumite
Hi posted this on another forum but no reply so thought I would try here:beer:
Default Need some advice on cedit rating
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
Default Need some advice on cedit rating
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
0
Comments
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anyone point me in the right direction please?0
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a default is pretty bad on your credit record.
i'm not clear whether you want to contest this or willing to pay it off. however an intersting article on how to contest it if you wish on the grounds you never received the default notice
http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html0 -
cheers clapton, anyone know how you pay it off? I do not want it on my record0
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