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Celebrating 5 years since discharge yesterday.
Mairiphinc
Posts: 16 Forumite
BR on 16/06/08 - discharged 14/05/09.
Almost there now!!! :j:beer::T:D
I currently have 2 credit cards and 2 catalogue accounts kept squeaky clean and 3 with higher than the lowest credit limits, none are tapped out. I still have my mobile phone contract and I managed to open a basic business account.
It hasn't been easy, I worked pretty hard to clean up my credit report, keep a constant eye on everything and started very small with a pre-paid credit card. I have had to argue and send letters, I still have a crap credit rating with Experian because I keep pushing the limits to build my credit back up. Every time I open a new account it goes back down until it settles in and then it rises a bit more each time.
There is light at the end of the tunnel! Hopefully a mortgage comes next when we have a deposit saved.
Almost there now!!! :j:beer::T:D
I currently have 2 credit cards and 2 catalogue accounts kept squeaky clean and 3 with higher than the lowest credit limits, none are tapped out. I still have my mobile phone contract and I managed to open a basic business account.
It hasn't been easy, I worked pretty hard to clean up my credit report, keep a constant eye on everything and started very small with a pre-paid credit card. I have had to argue and send letters, I still have a crap credit rating with Experian because I keep pushing the limits to build my credit back up. Every time I open a new account it goes back down until it settles in and then it rises a bit more each time.
There is light at the end of the tunnel! Hopefully a mortgage comes next when we have a deposit saved.
0
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Have just noticed my error! 5 years since declaration, 4 years since discharge! One year left to go!0
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