Late markers

camuk81

Well,

With luckily no defaults on my file I'm back in my accounts and paying off my debts.

However I come to the bare bones of my credit file.

I have 36 ( late markers) what people would class as 1,2 & 3.

17 are from 2006 and 2008 when I lost my folks and are from the period I just call surviving.

I know I've been very silly but does any one think that I may have half a chance of working on the fact that both deaths were oversea's and there was over a year of hospitalisation involved on the 2008 that they may review the markers.


Before I start I know there is little to no hope of these being removed however I know a notice of correction is not going to help my state of affairs with so many of these markers with multiple accounts.

Any thoughts or feedback would be great as my credit rating (which we know is just number) says I am a high risk and I really would like to think about 3 years down the line.

DVardysShadow

camuk81 wrote: »

Any thoughts or feedback would be great as my credit rating (which we know is just number) says I am a high risk and I really would like to think about 3 years down the line.

3 years down the line is 2015. Problems from 2008 will have dropped off by then.

Keep your nose clean. Don't be tempted to enter into new arrangements on which you may default again.

camuk81

Not if the account was closed after 2008. I.e. Orange closed this year has two on it.

Shop Direct has 6 on it! Closed 2010. Will be another 3 years after that!

Long term does sound great but not when I have 5 more years (realising I sound like a spoilt brat with this) to run from the account closing.

keeping my nose very clean and my file has no new late markers and is not showing the 'M' marker or minimum repayment, however would like to think about doing something.

Though having taken martins credit score quiz late markers was only queried for the last 6 months!

camuk81

Evening all, well I hope this might be of some inspiration. Just got an email back from orange saying they are willing to take off the 2 late markers and will be updating my credit file.

Hurray only another 34 to keep waiting for!