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default coming off

kperry1034
kperry1034 Posts: 20 Forumite
edited 27 January 2013 at 1:20PM in Loans
I have got a default coming of my credit report next month, my score the the moment is 608, what will it got up by when default drops of... i need a bank loan but with a default i got no chance, all my other finances are fine.



oh yeah im not on electoral roll, but been with natwest 7 years

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    Do you need a loan or a credit card....you posted same thread in credit card section.....
  • Apples2
    Apples2 Posts: 6,442 Forumite
    It'll shoot up to 609, get the champers ready.
  • chanz4
    chanz4 Posts: 11,032 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    not forgetting the banks do have monthly feeds
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • DCFC79
    DCFC79 Posts: 40,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 27 January 2013 at 1:09PM
    Not a question we can answer OP. Your score is meaningless though. Champers all round then Apples2 ? Good luck with the loan/credit card OP.
  • forgotmyname
    forgotmyname Posts: 32,755 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It will go upto another useless meaningless number.

    1 default 6 years ago doesnt seem like a lot to affect your credit rating that badly.

    IF everything else since has been perfect.

    So are there other issues?
    Censorship Reigns Supreme in Troll City...

  • Vikipollard
    Vikipollard Posts: 739 Forumite
    Tenth Anniversary 500 Posts Name Dropper Debt-free and Proud!
    Why arent you on the electoral roll?
    LBM July 2006. Debt free 01 Sept 12 .. :T
    Finally joined Slimming World: weight loss 33lbs...target achieved 51wks later 06.05.13 & still there :j
    Aim to be mortgage free in 2022. Jan 17 33250 Nov 17 27066 Mar 18 24498 Sep 18 20608 Nov 18 19250 Jan 19 17980 Mar 19 16455 May 19 15024 Nov 19 10488 Feb 20 8150 May 20 5783 Aug 20. 3305 Nov 20 859 Mortgage free, 02.12.2020
  • Tixy
    Tixy Posts: 31,455 Forumite
    kperry1034 wrote: »
    Ioh yeah im not on electoral roll, but been with natwest 7 years

    Then I would get the process of getting yourself on the register started straight away. If you contact your council now you'll be on the electorall roll from 1 March, which should be reflected on your files around 4-6 weeks after that - so say Mid April time.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Treadmill
    Treadmill Posts: 1,102 Forumite
    Not being on the electoral roll is a killer, but your own bank will know where you live o try them first.
This discussion has been closed.
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