Credit report

LegalCashier

Hi all
Below is my credit report (personal details taken out)
1. What should I be most concerned about regarding my report and is there anything I can do to improve it
2. What date will it all be clear (I'm unsure if it's the default date or satisfied date plus 6 years)
3. Would every bank send me away right at this moment, would it be best to wait to apply for a mortgage
4. I had some Wonga defaults on my credit report a few months ago they were all taken out end of 2011 but they are no longer there, have they fallen off before 6 years?

Thank you in advance and sorry if I am being extremely dense!


Active
HSBC Current Account
Started 08/11/2005
54 months ago 1 missed payment for 1 month

Aqua Credit Card (got to rebuild credit and have always paid in full)
Started 29/04/2015
Limit: £1,200.00

Settled
HSBC 2nd Current Account
Started: 09/09/2010
Settled: 02/02/2012

EE/Orange
FCS disconnected
Started: 03/03/2011
Settled: 15/06/2012
5-8 months missed payments (started paying back after 5 months took 3 months)

Santander
Started: 08/08/2011
Settled 28/04/2014
Last activity 24 months ago - 6 months missed payments

Shop Direct Finance Company
Started: 01/12/2010
Settled: 02/07/2011

Defaults
PRA Group
Started: 30/09/2011
Default: 02/01/2012
£131.00
Satisfied: 18/01/2014
Partial settlement: 01/08/2014

Home Retail Group
Started: 03/04/2010
Default: 11/11/2011
£761.00
Satisfied: 31/05/2013

Ikano Bank
Started: 19/05/2011
Default: 09/01/2012
£276.00
Satisfied: 31/07/2012
Partial settlement: 01/07/2012

LegalCashier

Bump - any advice would be great

HappyMJ

LegalCashier wrote: »

Bump - any advice would be great

Looks fine to me.

The occasional late payment over 1 year old are usually ignored.

How can you miss a payment on a current account?

anna_1977

Hi,
The only question I can answer is that the defaults will disappear from your credit report 6 years after the date of the default - regardless of satisfied

Were the Wonga ones contested as part of the irresponsible lending thing? If so that might be why they have disappeared.

Also, have you obtained your report from all 3 agencies; Experian, Equifax and Call Credit - some accounts might be missing from one or the other so safest to have all 3