Not sure where to start?

YNS

Hi everyone after around 12 months of viewing this forum whilst attempting to become debt free (It has been a very big help) I have reached a stage where I am 17 weeks from becoming debt and I amnow thinking about the futher future, as after everything is completely paid off I will be saving for a deposit which should only hopefully take around another 12 months!

The only thing is that during the stage where I was taking loans an cards out left right and centre mis payments and other various things meant my credit score took a battering, checked yesterday on noddle and it was still 1/5, I have done abit of reaserch which has been telling me to get a credit card and pay it off every month etc etc but the only problem is I cant get accepted for anything I try, and I also know a large number of checks on yourcredit file doesnt look good either. There must be something i can do?

So anybody with any advice would be greatly appreciated,
Many thanks YNS.

CLAPTON

what do your three credit reports actually show?

defaults ; dates ; current debt situation?

YNS

CLAPTON wrote: »

what do your three credit reports actually show?

defaults ; dates ; current debt situation?

Funnily enough out of about 20 different closed balances there is only one account (Lowell) that has ever defaulted, 8 months in a row, even though I had a payment plan set up with them?

The last default was December 2013.

Current balances showing a payday loan with mini credit which has been closed and I'm just awaiting that to be updated.

Current debt situation, wonga £270 due 26th July - will be payed then and RBS overdraft £200.
Then the rest of my debt is owed to family so has no relevance to my credit score?

The_Boss

YNS wrote: »

Hi everyone after around 12 months of viewing this forum whilst attempting to become debt free (It has been a very big help) I have reached a stage where I am 17 weeks from becoming debt and I amnow thinking about the futher future, as after everything is completely paid off I will be saving for a deposit which should only hopefully take around another 12 months!

The only thing is that during the stage where I was taking loans an cards out left right and centre mis payments and other various things meant my credit score took a battering, checked yesterday on noddle and it was still 1/5, I have done abit of reaserch which has been telling me to get a credit card and pay it off every month etc etc but the only problem is I cant get accepted for anything I try, and I also know a large number of checks on yourcredit file doesnt look good either. There must be something i can do?

So anybody with any advice would be greatly appreciated,
Many thanks YNS.

I can't believe you've been looking at this forum for 12 months if you believe you have a credit score. It's covered practically every day that 'credit scores' do not exist.

So you have no credit cards showing on your account at present?

YNS

The_Boss wrote: »

I can't believe you've been looking at this forum for 12 months if you believe you have a credit score. It's covered practically every day that 'credit scores' do not exist.

So you have no credit cards showing on your account at present?

Fair point and I have seen this quoted many a time, but I can't personally see my history being any good at all, therefore I would like to make it better for the future.

I currently have no credit cards on there at present.