Credit File

davidevans12345678

Hi

Apologies if this is not in the correct section.

I wondered if anybody could possibly help. I have recently signed up and viewed my credit file after a number of years burying my head in the sand.

Firstly I was surpised to see it initally came up with a 'Good' rating and a 906 'score'.

However I have 12 defaulted accounts, 5 satisfied and 1 settled. So surely I don't have a 'good' rating after all?! Also what is the difference between satisfied and settled?

The accounts that are marked satisfied have not been paid by me. Why would they be marked satisfied?

Apologies for so many questions on my first post but if anyone could explain it all to me I would be most grateful.

If it helps the summary of my report says:

Number of credit accounts 14
Available credit 0
Total credit being used 0%
Outstanding debt 66pounds
Overdue accounts 0
Number of late payments in the last year 0

Thanks in advance!