tidy up my Credit Report?

cduuffo13

Okay my report is a bit of a mess.


1 x CCJ
Date 23 Jun 2014

5 x Defaults


INSTANT CASH LOANS LTD T/A THE MONEY SHOP Pay Day loans Default G £290 03/05/2015 DEFAULT DATE= 21/02/2013
LOWELL PORTFOLIO I LTD Communications Default G £974 30/12/2012 DEFAULT DATE = 10/1/2011
LOWELL PORTFOLIO I LTD Current Account Default G £3,000 08/02/2015 DEFAULT DATE = 20/8/2010
LOWELL PORTFOLIO I LTD Communications Default G £372 08/02/2015 DEFAULT DATE = 26/5/2013
CAPQUEST (FORMERLY FTC) Communications Default G £244 17/05/2015 DEFAULT DATE= 8/6/2009
1 x Active
MR LENDER Pay Day Loans £80 - ACTIVE
Totalling of £4,880.
I am due a pay-out of £1200 am just thinking of clearing my accounts and part settle 4 of my accounts one way or another just leaving me with the 1 account to deal with of £3000. Is this the best thing for me to do?
Can anybody tell me because 3 of these account are down to mobile contracts that have no kind of contract signed for them, are they still able to reference on my credit file?
thanks

Tixy

Yes mobile phone companies are able to report to the credit reference agencies, as long as the information reported is accurate.

Is the CCJ still outstanding? Does it relate to one of the accounts listed on your credit file?

Are the amounts you have listed the amount of the default? or the current outstanding balance per your credit file?

Are the creditors charging interest on any of the accounts?

The record of the £244 capquest debt will fall off your credit file next month anyway, so you might want to prioritise paying the others first.

If you are planning to make reduced settlement offers to the debt collectors then this factsheet may be useful - https://www.nationaldebtline.org/EW/factsheets/Pages/24%20EW%20Full%20and%20final%20settlement%20offers/Default.aspx

cduuffo13

Yes mobile phone companies are able to report to the credit reference agencies, as long as the information reported is accurate.


To be absolutely honest, I have no idea if the figures are correct and am not really sure how to find out if they are or not. They where old contracts with more than likely , missed payment charges and other things on them.

Is the CCJ still outstanding? Does it relate to one of the accounts listed on your credit file?


Yes the CCJ Relates to the following account and is still outstanding.

LOWELL PORTFOLIO I LTD Communications Default G £372 08/02/2015 DEFAULT DATE = 26/5/2013

Are the amounts you have listed the amount of the default? or the current outstanding balance per your credit file?


Yes they are the default outstanding Balance

Are the creditors charging interest on any of the accounts?



Not as far as am aware, I think all the charges have already been placed.

The record of the £244 capquest debt will fall off your credit file next month anyway, so you might want to prioritise paying the others first.



I was thinking this, so does that mean its probably not worth while trying to settle this account?

If you are planning to make reduced settlement offers to the debt collectors then this factsheet may be useful - https://www.nationaldebtline.org/EW/factsheets/Pages/24%20EW%20Full%20and%20final%20settlement%20offers/Default.aspx