Low credit score

CLAPTON

n0785 wrote: »

Hoping to apply in two or three years and I know these details stay on your account for 6 years.

I am not sure if they are defaults, they are red with a 3 in them??

Also everything else on my account, student over draft and phone and a few others are all 100% perfect with up to date payments every month on time.

When applying for loans, etc do they just look at your credit score? As these are greatly reducing mine or do they look into all details?

Thanks everyone for your help

no-one looks at credit scores (they are simply a money spinner for the credit reference agencies.

each potential lender will do their own scoring based on all the info they have about you
so they will use the info on your credit report, your income, deposit etc when they come to a decision

your bad missed payments fall off after 6 years so you will be ok then