A little advice

andyblack

Good morning need a little advice,

I have been looking at my credit file and it is far from prefect i have a number of defaults 2 will drop off end of September this year and 4 end of January 2015.

After these have dropped off ill be left with 1 default £181 and which started 2013 and one CCJ £551 that was started 2014

Should i settle the £181 default and £551 CCJ soon as possible

In terms of credit now i have 1 CC paid off in full each month never missed a payment and a contract phone paid off each month never missed a payment in 18months.

I also moved house over a year back and not changed it on the electoral registered should i get this updated?

Ay advice would be most kind

Regards

Andy

The_Boss

Yes you should. Firstly you'll be repaying what you owe and feel better for doing so. It will also lessen their impacts to a degree on your ability to get future credit, especially as they'll be on for file for at least the next 5-6 years (depending when in 2013 and 2014 the default date is listed). Time would be the best healer of the latter point though.