rebuilding my credit

edited 30 November -1 at 1:00AM in Bankruptcy & Living With It
1 reply 390 views
squidssssquidsss Forumite
1 Post
edited 30 November -1 at 1:00AM in Bankruptcy & Living With It

i was discharged from bankruptcy in may 2009,since then i have not touched and any form of credit at all,all i have is a visa debit card as my main bank account that's all.

decided to apply for a mobile phone with vodaphone today and got declined,so than i decided to get a credit report to see what was going off, the credit report says i have a good score of 887,but i have 2 negatives 1 being im not on the electoral roll,and the 2nd its still showing defaults form 2009

is this a normal ? is there anyway that i could improve things ? ive just downloaded the electoral forms to send off to the council that may help ?

any help would be great thannks


  • tigerfeet2006tigerfeet2006 Forumite
    14K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Follow the credit reference file clean up sticky. That will show you what to do with regards to defaults and make sure that you do all three.

    The electoral roll, defaults and having no credit would all have affected the descicion. Your score means diddly squat all firms have their own criteria for credit scoring.
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
This discussion has been closed.
Latest MSE News and Guides

Card providers to reserve up to £100

When you pay at supermarket fuel pumps

MSE News

Cheap contents insurance for tenants

DON'T assume your landlord covers you

MSE Guides

Summer sizzlers round-up

Incl £2ish sun cream & £1.50 disposable BBQs

MSE Deals