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Eeek credit score 32

smeelicious
smeelicious Posts: 27 Forumite
in Credit file & ratings
what can i do to start building it back up?
2014 Challenge - 0/£2014
On a spending fast for 2014
1 debt vs 100 days - 0/£612.50
«13

Comments

  • deltaa
    deltaa Posts: 3 Newbie
    your need to settle you overdue bills to get a good credit report..

    hope this will help.:o
  • Fruit_and_Nut_Case
    Fruit_and_Nut_Case Posts: 4,617 Forumite
    Mortgage-free Glee!
    smeelicious wrote: »
    what can i do to start building it back up?
    32? That's terrific. :T
    I only have a 5 on Noddle so you've beaten me by 27.
    Are you for real? - Glass Half Empty??
    :coffee:
  • innovate
    innovate Posts: 16,217 Forumite
    10,000 Posts Combo Breaker
    The scores worked out by CRAs mean nothing. No lender will even look at them.

    What might be important is that you don't have any defaults or other nasties like CCJs.

    I say 'might be' because unless you are planning to apply for credit (current account, overdraft, loan, mortgage) it's actually totally irrelevant what it says on your CRA files.
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    Part of the Furniture Combo Breaker
    Fruit_and_Nut_Case wrote: »
    32? That's terrific. :T
    I only have a 5 on Noddle so you've beaten me by 27.

    Lolz...I may sign up to Noddle and may well make history by obtaining a negative score! lol :rotfl:

    BTW These scores are MEANINGLESS as rightly pointed out by Innovate, lenders DO NOT look at them.
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • Slayerx
    Slayerx Posts: 1,285 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Fruit_and_Nut_Case wrote: »
    32? That's terrific. :T
    I only have a 5 on Noddle so you've beaten me by 27.

    A 5 on Noodle is the highest you can get.

    As people of said though the scores mean nothing to lenders.
    Official DFW Nerd Club - Member no. 065
  • Sabbathdei
    Sabbathdei Posts: 294 Forumite
    Eighth Anniversary 100 Posts Photogenic Combo Breaker
    My Credit Expert score was once so low, I was publicly declared to be a financial and economical drain on the entire country. :o
    "Can't you have your ***** cut off ?" "It's not as simple as that, Nigel"
    :j
  • Buzby
    Buzby Posts: 8,275 Forumite
    Sabbathdei wrote: »
    My Credit Expert score was once so low, I was publicly declared to be a financial and economical drain on the entire country. :o

    I wouldn't boast - the Govt will undoubtedly privatise you with no warning.
  • Sabbathdei
    Sabbathdei Posts: 294 Forumite
    Eighth Anniversary 100 Posts Photogenic Combo Breaker
    Buzby wrote: »
    I wouldn't boast - the Govt will undoubtedly privatise you with no warning.

    It's ok I've just got my first "grown-up" credit card after years of sub-plastic, so they'll probably leave me alone. :D
    "Can't you have your ***** cut off ?" "It's not as simple as that, Nigel"
    :j
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    smeelicious wrote: »
    what can i do to start building it back up?

    Learn to live without using credit.
  • 27col
    27col Posts: 6,554 Forumite
    Thrugelmir wrote: »
    Learn to live without using credit.
    Presumably, if you learned to live without credit, you would never build up any sort of credit rating.
    I can afford anything that I want.
    Just so long as I don't want much.
This discussion has been closed.
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