How to fix my credit? Help

ngaire123

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.

[Deleted User]

• Settle your debts
• Use credit responsibly, with no more missed payments
• Continue ad nauseam

chuckley

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.