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Credit Scoring...
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Skeptical78
Posts: 4 Newbie
Hi all,
Not sure if this is the right forum for this Q; I used to use this forum quite a lot when I was really struggling with debt...thankfully after 5+ years of scrimping and putting my life on hold I'm FINALLY back in the black (yay!) but I'm still having problems with my credit report.
I NEVER want to take out another loan / credit card / store account in my LIFE (learned that the hard way!), but I do want to get a mortgage at some point and I'm worried my poor credit rating will affect this detrimentally.
I got my free Noddle report; according to that I am 'up to date' on all my remaining accounts, I have no insolvencies or CCJs recorded, I am not linked to anyone else...yet I have a 1/5 credit score! Does anyone know why this might be or how I can set about improving this....?
Thanks in advance!
Not sure if this is the right forum for this Q; I used to use this forum quite a lot when I was really struggling with debt...thankfully after 5+ years of scrimping and putting my life on hold I'm FINALLY back in the black (yay!) but I'm still having problems with my credit report.
I NEVER want to take out another loan / credit card / store account in my LIFE (learned that the hard way!), but I do want to get a mortgage at some point and I'm worried my poor credit rating will affect this detrimentally.
I got my free Noddle report; according to that I am 'up to date' on all my remaining accounts, I have no insolvencies or CCJs recorded, I am not linked to anyone else...yet I have a 1/5 credit score! Does anyone know why this might be or how I can set about improving this....?
Thanks in advance!
0
Comments
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Are you on the electoral roll at your address?
JCG
xx:smileyheaMarried on 20/07/2012! :smileyhea
:DBought my new car 11/08/12:D:cool: Save £12k In 2013 Num 009! £5502/£5000 :cool:
Save £12k in 2014 Num 22! £2131/£3000
Emergency Fund £00 -
My partners score was 1/5 with noddle also, she just got accepted for a barclaycard initial & a Vanquis so all is not lost.
JCG
xx:smileyheaMarried on 20/07/2012! :smileyhea
:DBought my new car 11/08/12:D:cool: Save £12k In 2013 Num 009! £5502/£5000 :cool:
Save £12k in 2014 Num 22! £2131/£3000
Emergency Fund £00 -
Credit scores mean absolutely nothing as each lender has their own internal scoring system LBM 11/2009 Total Debts 11/2009 £44624 with DFD 2015
Debt Free Date: 14/11/2012 :j:j:j0
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