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
Student looking to improve Credit Score.
Rylese
Posts: 12 Forumite
Hi all,
My first post around here but have used these forums many time to look up information, but this time I think I need some personalised info.
I have had a terrible credit rating for years, but over the past year have been trying to fix it. I have put myself on the Electroll Roll nad finally got myself a credit card (Vanquis). I am giving this my brother to use, as he is sensible and will use it for me.
I got refused many bank accounts last year, even standard current accounts and I don't have a student account even though I am in my second year at Uni.
I was wondering if anyone knew how long it would take to improve my rating enough to apply for my student account. I only have one default on my credit rating.
Company name: HUTCHISON 3G UK LTD
Account type: Communications
Started: 24/09/2004
Default Balance: £254
Current Balance: Satisfied
Defaulted On: 14/06/2005
File updated for period to: 26/08/2006
Status History:
(brackets indicate most recent status) [8]
Any help on this would be great as I could really do with my Student overdraft by christmas.
My first post around here but have used these forums many time to look up information, but this time I think I need some personalised info.
I have had a terrible credit rating for years, but over the past year have been trying to fix it. I have put myself on the Electroll Roll nad finally got myself a credit card (Vanquis). I am giving this my brother to use, as he is sensible and will use it for me.
I got refused many bank accounts last year, even standard current accounts and I don't have a student account even though I am in my second year at Uni.
I was wondering if anyone knew how long it would take to improve my rating enough to apply for my student account. I only have one default on my credit rating.
Company name: HUTCHISON 3G UK LTD
Account type: Communications
Started: 24/09/2004
Default Balance: £254
Current Balance: Satisfied
Defaulted On: 14/06/2005
File updated for period to: 26/08/2006
Status History:
(brackets indicate most recent status) [8]
Any help on this would be great as I could really do with my Student overdraft by christmas.
0
Comments
-
The default is for a mobile phone contract I'd guess
You might get a better answer on the Debt Free Wannabe boardNo longer using this account for new posts from 20130 -
Try contacting the company involved. They can (if they want to) remove it from your record - from what I can work out, the default stays, but the status history is changed. I'm trying to get Orange to remove a similar default on my record, if I can ever get through to them! Will let you know if I'm successful
**"Cheer up, it could get worse" - I cheered up, and look, it got worse!**0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.7K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.8K Work, Benefits & Business
- 603.3K Mortgages, Homes & Bills
- 178.2K Life & Family
- 260.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards