Bad credit help

elvis2003

This is roughly how my credit file from Equifax reads.

Can anyone help me with this or give me some advice, Bear in mind i have buried my head in the sand for years, i have no chance of getting a house and things like that now.

Loans Outstanding.

welcome Finance - default date May 2009 - Balance £4467 - Current balance now £8181

Caboot - Default date Dec 2007 - Balance 439

Caboot - Default date July 2007 - Balance 393

Apex - Default date Oct 2007 - Balance 2498 - Current balance 2634

Registered

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Court

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Amount
Feb 2011

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Northampton

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792
Aug 2010

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Derby

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2875
May 2010

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Cheister

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8684
Nov 2007

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Liverpool

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2848
Sep 2007

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Northampton

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258

I am pretty sure the Derby and Liverpool one was for the same company.

I have heard things will go off my file in 6 years so the ones from 2007 should go off by next year if this is correct- any help or advice from people would be great..
Also i have numerous paydays loans and they don't seem to be on their.

Tixy

You might find some of your payday loans are on one of your agency credit reports (wonga report to experian) and some pd lenders don't report until you default.

It would be very unlikely that there are 2 CCJs for a single debt.

The debts do drop off your file 6years after the default date.

Have you been paying anything towards your CCJs over recent years? Are you in a position to do so? If you have current payday loans then it would sound like you perhaps don't?

You might want to consider speaking to one of the debt charities about your financial position and talking through your options.

elvis2003

Hi thanks for the reply.

No i have not paid towards my CCJ's basically buried my head for many years.