Bad credit help

Karenfacebook44

Hi there" this is my 1st post and am all pretty new to this!

I have just checked my credit file on experian and it is awful - 374.

Just wanted some advice really?! Has anyone got any time so I can ask some questions.

Thank you x x

fermi

Ask your questions, and people will respond if they can.

UsetheFORCE

Karenfacebook44 wrote: »

Hi there" this is my 1st post and am all pretty new to this!

I have just checked my credit file on experian and it is awful - 374.

Just wanted some advice really?! Has anyone got any time so I can ask some questions.

Thank you x x

Forget the score...what detrimental information is on there? Late Payments, Defaults, CCJ's etc...

matttye

Don't pay any attention to the credit score, it's the actual information in the credit report you need to look at.

emlywlson

Screw credit report. It's modern day evil created by financial institutions to suck life out of humanity.

Karenfacebook44

Hi - thanks all.

I gather it is late payments from the past there is 8 things on there and they all say satisfactory but have had late oayments in the past.

How do I go about improving this??

Thank you xx

UsetheFORCE

emlywlson wrote: »

Screw credit report. It's modern day evil created by financial institutions to suck life out of humanity.

In order to lend us 'fiat currency' plucked out of thin air whilst anything that can be considered to have 'value' (land, houses etc..) is taken off us in exchange!!!

Please don't get me started on that!!!

UsetheFORCE

Karenfacebook44 wrote: »

Hi - thanks all.

I gather it is late payments from the past there is 8 things on there and they all say satisfactory but have had late oayments in the past.

How do I go about improving this??

Thank you xx

Are these still live accounts?

Tixy

Karenfacebook44 wrote: »

Hi - thanks all.

I gather it is late payments from the past there is 8 things on there and they all say satisfactory but have had late oayments in the past.

How do I go about improving this??

Thank you xx

For people to be able to advise you need to detail what is on your file.

A few historical late payments is unlikely to cause you major issues in obtaining credit now, but if you had many months of late payments / or defaulted on any account or had CCJs then these will continue to impact you for sometime after you have cleared up the debts.

You then need to look at the other information on your report -
Are you on the electoral roll and does this show on your report?Do you have any financial associations showing on your file etc?