Don't know where to start!

sourcrates

Rileybaby wrote: »

Thanks Caz3121 I know they will drop off after 6 years but wonder if it will improve things if I satisfy them. If that makes sense

See my post, "7" above ^^^^

LittleDutchgirl

Hi Rileybaby
As the others have said don't worry about your credit score. They move these numbers up and down to try and sucker you into paying for things like Noddle Improve. I finished clearing credit cards recently and my score went down! No idea why and not interested in paying to find out.
Good luck getting CCJs etc paid off
LDg

mangle101

Don't worry about your credit score, did you get the name of your husband off of the mortgage agreement? (if he was on there)

National_Debtline

Hi again Riley


The important thing here is ensuring that the information on your credit report is accurate i.e. there are no accounts on there you don't recognise, defaults/CCJs are correctly dated and show as satisfied where they've been paid off etc etc. As others have said, any credit "score" is arbitrary and irrelevant while you're not seeking new credit in any case.


As I said further above, do look into filing a notice of correction on your report if your adverse credit is in any way due to external factors i.e. separation. It will nonetheless be very difficult for you to obtain further "mainstream" credit while those CCJs are present on your file, settled or otherwise.


Dennis
@natdebtline