We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Want to become a Forum Ambassador? Visit the Community Noticeboard for details on how to apply
How to fix my credit? Help
ngaire123
Posts: 1 Newbie
I am 23 years old and in my final year of University. Since starting uni I have a £2000 overdraft with Lloyds and a £500 credit card limit from Halifax. I have made 6 late payments on my halifax card because I had to leave my part time job as it clashed with my uni course. I have sent for my credit report from Experian to get more details. I feel completely awful because I know I should have contacted halifax when I was having trouble making the due dates for payments but I didn't. My credit score is very low on clear score -347. Since I started working part time again in September I have been back on track making payments on time but I'm making myself sick worrying about how much damage I've done to my account. I'd really appreciate any advice anyone could give me.
0
Comments
-
- Settle your debts
- Use credit responsibly, with no more missed payments
- Continue ad nauseam
0 -
focus on clearing the CC, that'll give you the most problem. going forward. Contact Halifax stating your situation and see if they can freeze interest or whatever.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards