Received my Experian credit report

MRCDean_2

Hi new here so first of all id like to say hello

So i just received credit report from Experian and tbh i don't understand fully...

It shows me a creditor i own money to and gives me the amount ect

so i will contact each creditor and and try to arrange a payment plan or offer to them all but i do still have a few questions.

Questions

1# How do i get my credit score ?

2# once i pay all my creditors back is that me done or is my credit score damaged forever?

3# once i set up plans with each company how do i fix my credit/score?

4# My ex wife is under Financial Associate searches what impact dose this have on me?

Regards

MallyGirl

First of all ignore the score.

If you have defaulted that will show on your credit HISTORY for 6 years. Nothing you can de about that. Any arrangement to pay will also show.

Pay off your debts and manage any future credit properly and eventually your credit history will clean up.

If you have any joint product (loan, account, mortgage) with your ex they will continue to be shown as an associate.
If you no longer have anything joint there is a way of disassociating her.

[Deleted User]

1) Don't. They will charge you for it and it doesn't mean anything.
2) If you clear your debts, your credit history will look better. Your score doesn't matter.
3) You don't. You just need to manage your credit properly.
4) Lenders will view her history in conjunction with yours.

GingerBob_3

Deleted_User wrote: »

1) Don't. They will charge you for it and it doesn't mean anything.
2) If you clear your debts, your credit history will look better. Your score doesn't matter.
3) You don't. You just need to manage your credit properly.
4) Lenders will view her history in conjunction with yours.

And they will view it forevermore, regardless as to whether or not you really are financially associated with her. In other words, the CRAs will continue to publish libellous information about you and your ex. and continue to contravene basic data protection principles, until you plead with them to break the link - and there's no guarantee they'll agree to this.