credit scores

thebritishbloke

stator wrote: »

yes. Experian. Equifax. Call-Credit.

You can get your Call-Credit report for free via Noddle.

pinksteven

Hi everyone,

I am due to get a cheque from Lloyds for a PPI refund which will completely clear all my debts, I was planning on closing my credit card and cancelling my overdraft in full, however due to a horrible ex girlfriend hitting my credit score I was wondering if this is such a good idea, should I keep my credit card, reduce the rate to a couple of hundred and just use it for netflix or something similar?

Your advice would be greatly appreciated.

Thanks
Steven

[Deleted User]

If you want to build or maintain a good credit history, regularly using and paying off a credit card is a good way of doing it.

stator

Yes, keep one credit card, reduce the credit limit on the card to say £250 then set up a direct debit for the FULL amount. Only use it for things you would buy anyway.

Experian_company_representative

Hi wardy1992

kingstreet wrote: »

When you move, get yourself on the voters' roll and get that PDL activity well into the past and you will be fine.

https://www.gov.uk/register-to-vote

That's correct kingstreet, not being registered on the Electoral Roll could be an issue when trying to obtain credit, as kingstreet has mentioned if you happen to notice anything incorrect on your Experian Credit Report you can contact us here and we would be more than happy to query this information for you.

kingstreet wrote: »

Obtain all three versions of your credit file a couple of times a year to make sure there are no errors

As you have confirmed you've signed up for free trials offered by the CRAs, if you would like me to take a look at your Experian Credit Report please [EMAIL="uksocialsupport@experian.com"]email me[/EMAIL] your details and I will take a look to see if there is anything impacting your credit report when applying for credit.

Kind Regards
James Jarvis

Fruit_and_Nut_Case

pinksteven wrote: »

Hi everyone,

I am due to get a cheque from Lloyds for a PPI refund which will completely clear all my debts, I was planning on closing my credit card and cancelling my overdraft in full, however due to a horrible ex girlfriend hitting my credit score I was wondering if this is such a good idea, should I keep my credit card, reduce the rate to a couple of hundred and just use it for netflix or something similar?

Your advice would be greatly appreciated.

Thanks
Steven

Best to start your own thread. It just gets confusing with answers to you and to the OP getting interleaved.