Credit score and dmp

Col81_2

Hi,

my credit score with experien is now 608 after being 99 in Jan 17. I have noticed that i have 5 defaults 2 years ago and they all say settled. Is this because i pay them every month with Stepchange? seems odd they say settled when they aren't. I am made up my score went up 108 points this month. I am hoping to get this up to 800 asap.

DCFC79

Col81 wrote: »

Hi,

my credit score with experien is now 608 after being 99 in Jan 17. I have noticed that i have 5 defaults 2 years ago and they all say settled. Is this because i pay them every month with Stepchange? seems odd they say settled when they aren't. I am made up my score went up 108 points this month. I am hoping to get this up to 800 asap.

Don't focus on the score, your history is whats important.

If only lenders lent based on the score. Whats your score from Noddle (Call credit) and Clearscore (Equifax) ?

Col81_2

Clearscore is 248

DCFC79

Col81 wrote: »

Clearscore is 248

There you go, the scores arent all the same.

As long as the data on your file is correct then its good.

Do you have a credit card ? Use it and pay it off in full when you get the bill by direct debit.

Dandytf

Col81 wrote: »

Hi,

my credit score with experien is now 608 after being 99 in Jan 17. I have noticed that i have 5 defaults 2 years ago and they all say settled. Is this because i pay them every month with Stepchange? seems odd they say settled when they aren't. I am made up my score went up 108 points this month. I am hoping to get this up to 800 asap.

Wish my multiple defaults were showing as settled vi SC DM since 2012 until 2019.

Is your sc dmp finished.

As a score comparison which I don’t take seriously anyway -mine is 198 has varied considerably.

Col81_2

No it is with stepchange i have about 4 years to go and all my defaults show settled no idea how!!!!

Col81_2

My defaults show

DEFAULT / ENDED (in a red box)

no idea what this means

Dandytf

Col81 wrote: »

No it is with stepchange i have about 4 years to go and all my defaults show settled no idea how!!!!

Maybe they were already defaulted prior to your demo starting.

MEM62

Col81 wrote: »

I am made up my score went up 108 points this month. I am hoping to get this up to 800 asap.

Its always nice to have a goal in life. Out of interest, what benefit are you hoping to derive once your score hits 800?