Advice please!

[Deleted User]

Wait until January when the default drops off and try an eligibility checker for a BT card.

You won't know the limit you'll get but you'll at least know the possible likelihood of being accepted before applying

Lolly18

What’s people’s thoughts on the default situation? Will my position greatly improve when it’s removed?

MEM62

Lolly18 wrote: »

What’s people’s thoughts on the default situation? Will my position greatly improve when it’s removed?

Lenders will view you more favourably one the default is removed.

Willing2Learn

...yeah...much more favourably...

Lolly18

Thanks for your replies everyone.

I will see what my position is like in January with the default removed because I can’t get anything close to a decent rate on anything at the minute.

I will post back with an update

Lolly

Lolly18

3 days until the default is removed! 😊😊😊

6 years iv waited for this

Is it sad that I’m excited to see no big horrible red box on my report?

I don’t care anyway 😊😊

Lolly

System

Lolly18 wrote: »

It’s all going on nursery fees for my little girl so I can work, rent, council tax, petrol, food, general household bills, then my car finanace, credit cards. My nursery fees are not far from half my wage a month.

Does she not qualify for the 30hrs free childcare? Must also be a hell of an expensive place, my son was paying just £400 a month for 30hrs a week.

[Deleted User]

That’s still 3 days they could apply for a CCJ or could already be in the process of applying for one

Willing2Learn

!!! wrote: »

That’s still 3 days they could apply for a CCJ or could already be in the process of applying for one

...remarked the voice of doom...

welly_59

@gary, at no point did the OP state she hasn't paid the default....

OP it's worth checking your file now and see if the default has been removed. All of mine have tended to come off up to a week before the actual 6 year anniversary.

Noddle, clearscore and mse credit club will give you your report from all three agencies.

Giffgaff also do a credit report, same as Noddle, but it's updated daily

It's worth checking them and then doing an eligibility checker for a BT card. An eligibility checker won't harm your score