What your credit score really means

[Deleted User]

Nothing to do with the UK though

Nice spam though

VRJ

Recently had a joint mortgage 'clear pass' with HSBC. Seller pulls out and after 3 months mortgage expires, apply again for another property - decline.
Quoted my adverse history but there is nothing in my recent history that would point to this, the only thing they they flagged was I went over my limit with Barclaycard (which might well have been as I'm one of those they had been charging too much interest!) Anyway, paid into it straight away.
We have now also been declined by Platform which is getting quite worrying. I have one default account but this was from 4 years ago and one old payment arrangement from a few years ago but would have been flagged at the positive pass surely?

I am into my credit a fair bit but he said a number of times it looks like a missed payment - even though I sent my experian history over in printouts and it shows nothing recent at all.

Just bank BS, could the original pass have been a mistake (my credit rating is poor despite no missed payments for years/no ccj's/bankruptcy and no worse than when we passed the first time) or do I need to investigate, though not sure what else I can do as there is absolutely nothing recent on my Experian history?!

[Deleted User]

What accounts show on your reports?

Any defaulted accounts?

Use a proper broker that specialises in people with a credit history such as yours

[Deleted User]

VRJ wrote: »

there is absolutely nothing recent on my Experian history?!

What about your other files?

VRJ

I have one default account from 4 years ago. Hold my hands up to that but wonder why we passed the first time if this was on there. Mortgage bloke form bank said 'it could be a glitch' not sure if that means the first clean pass or the refusal, and to be honest doesn't really instill much confidence in the process!

VRJ

Doesn't seem to be anything that would cause concern or different from experian (Equifax, Call credit, Clearscore).
I think we have resigned ourselves to just getting debt down and trying again in 6 months, it was just getting a clear pass so recently that's been so confusing.

GB2018

Hi I'm trying desperatley to rebuild my credit history, its awful, very poor according to Experian and not great accoeding to clearscore. I don't owe very much money, but I can't see where the CCJ's are from it says I need to get rid of or what they're for, I don't even know how to go about finding out who I owe the money to, I've never (as far as I'm aware) been able to apply for large ammounts or above £200 credit cards and I don't understand why as I had friends who owed 1,000s and 1,000s of pounds and always got credit.. So I've started a loqbox ( 2 months in a £20 a month agreement) will this help? Also someone told me that student finance loans (i'm a mature student 43yrs old starting my final year this year) imrove credit rating as it's a 'good' debt, is this even true? and if so when will I see the benefits on my credit file? sorry just no idea how to sort out my awful credit rating as no idea what is against me really. Thanks in advance.

[Deleted User]

If you have a credit card, whatever the limit, simply use it and clear in full each month.

Every day if good behaviour will improve your credit file.

Forget things like Loqbox.

[Deleted User]

You can check with the Trust Register to see what CCJ’s you owe but you need to list the correct address for which it was issued to.

[Deleted User]

CosCom_Inc wrote: »

I think you are to further express yourself here!

Reported for unrealistic post building and user name spam.

But thanks for coming