Credit score improving

sillysladey

Hello, I have 2 marks on my credit report currently,
1) being a credit card from 5.5 years ago with an outstanding balance of £1860
2) being a mobile phone bill which went into default Dec 2015 and has an o/s balance of £461.
Q: which should I pay off first? To gradually improve my credit score? Would the most recent bill be affecting my score the most?

Also I have a Tomlin order on a loan, I'm currently paying £700pcm..... Is it possible to get the debt management company to show these payments again the account on my credit files?

Kind regards

DCFC79

sillysladey wrote: »

Hello, I have 2 marks on my credit report currently,
1) being a credit card from 5.5 years ago with an outstanding balance of £1860
2) being a mobile phone bill which went into default Dec 2015 and has an o/s balance of £461.
Q: which should I pay off first? To gradually improve my credit score? Would the most recent bill be affecting my score the most?

Also I have a Tomlin order on a loan, I'm currently paying £700pcm..... Is it possible to get the debt management company to show these payments again the account on my credit files?

Kind regards

You won't be improving your score, it's your history your improving.

spob

I would say always get rid of the debt with the default first. If you have available credit on your credit card which is unused, this will improve your score. Having it up to the hilt is the problem, regular monthy payments and available credit are a good thing. Defaults are very bad. Get rid