Fair or not

crushed00

I owed almost 26 thousand in two unsecured loans at the beginning of 2009 with my credit rating fair ,,which I thought fair enough. :DToday I owe just under 7 never missed a payment or added extra debt, and my credit rating is still only fair..... My question is :rotfl: do you think this is fair..:)

HappyMJ

Fair by whose standards? As long as over the whole of the last 6 years there has never ever been a late payment then you should have a good credit rating. If you want more credit then just apply for the good ones and don't worry about any rating that the credit reference agencies give you.

crushed00

More credit :eek: after what the last 6 years has done to me as a person never again... The banks can keep their money and we will keep ours :j

R_P_W

So if you dont want/need more credit why are you bothered?