improving credit file and score

rambo26

Ive just checked my credit score as im looking into buying a house. My score is 755 which is classed has good but i have defaults on my file. I am debt free after going through a debt illimination company who told me to stop making payment whilst they sorted things out. So firstly i would like to know is there anyway i can improve my credit score.
Secondly is there anything i can put on my credit file to explain why i have defaults on my file. If i never went with this company my payments would of carried on getting paid i just needed help in reducing my outgoings at that time.

~Beanie~

How old are the defaults? I take it that they are satisfied now, do they show as satisfied on your credit file?

rambo26

They are between 2 and 5 years old. yes they show as satisfied.

rambo26

Is there a credit card i could get for people with my type of credit rating to helo improve credit score.

Watkinsfamilysdcm

rambo26 wrote: »

Is there a credit card i could get for people with my type of credit rating to helo improve credit score.

try vanquis or capital once. the do cards to rebuild credit and I got them with previous poor credit history. x

Candyapple

You have defaults implying more than one, on your file dating between 2 and 5 years old. You have slim to none chance of getting a mortgage with a mainstream lender.

Your credit 'score' is just a meaningless number made up by the credit agencies which has no bearing on anything. Have a read of this: https://forums.moneysavingexpert.com/discussion/4532933

You could write a Notice of Correction on your file, however I doubt it would make the slightest bit of difference, especially with several defaults. Best thing you could do is keep all your accounts paid up to date and get lots of green zeros on your file and wait until the defaults have dropped off, and hopefully by that time you'll have saved a vast deposit and then apply for a mortgage without any issues.

JohalaReewi

rambo26 wrote: »

Ive just checked my credit score as im looking into buying a house. My score is 755 which is classed has good but

As well as the advice given already, don't read too much (if anything) into the scores from Experian, Equifax, etc. They are just a number that only you get to see. No point in paying for it, or trying to get it to go up or down.

Lenders will calculate their own scores for you every time you apply for credit, and will not tell you what they are.