Credit Report on it's way... Not what?

kjglen24

Hey everyone

After excellent advice of here, my credit report is hopefully now on it's way, I don't know what to do now though? Is there any letter templates on here so I can write to my creditors? Is it worth paying the small ones off first?

I am really worried that because I have left them for so long the interest possible be sky high, especially on old pay day loans

I am such an idiot and a loser

matttye

The losers are the bully boy creditors that use scare tactics to get people to pay, and are in clear breach of the OFT's debt collection guidelines.

Payday loan companies apply a lot of unlawful charges that you could probably get written off if you want to fight them.

Best to wait until you get your credit reports. It's not clear from your post whether you've asked for them from all three agencies. Have you? If not, you should. You can sign up for Noddle which is free for life, and it costs £2 for your Experian and Equifax reports, or you can sign up online for a free trial.

Once you've got a list of your debts, you should do a statement of affairs from here: http://www.stoozing.com/calculator/soa.php

It's up to you whether or not you post it here, but people can help suggest cut backs and the best course of action.