Journey from the dark side.........

SWALLOW

Thank you for posting this. I have been avoiding cards altogether after having troubles in 2008 -2009.

izools

rrelite wrote: »

I know exactly what your saying pal, I totally understand its just a meaningless number BUT I guess its all phycological for me, like a game, a challenge and the target is 999.

I know it sounds stupid to most people but I have an addictive personality and in the past its got me into some stupid !!!! like smoking and gambling, now I understand this side to me, im trying to use it to my advantage by becoming addicted to things such as saving and inproving my credit score. ive managed to kick the gambling but I came close to losing every thing through it, smoking is still my nemesis but im hoping my new addiction to saving will force my mind to pack the fags in.

Every day I check my credit score, first thing in the morning and last thing in the evening.

If you think it's a game worth playing consider this -

I achieved a score of 980 "Excellent" with six defaults and a bankruptcy order on my credit file.

It's just a load of (expensive) codswallop. Don't waste your hard earned on it.

rrelite

izools wrote: »

If you think it's a game worth playing consider this -

I achieved a score of 980 "Excellent" with six defaults and a bankruptcy order on my credit file.

It's just a load of (expensive) codswallop. Don't waste your hard earned on it.

how did you manage that? how many good standing accounts do you have compared to defaults?

im on electoral roll for my house but only been on it at this address for about 2 years, do you know weather the time you have been on the er affects your score or if it just checks that your on it?

cheers rich