help improving credit rating and finding most information about my credit rating

Mitchel.

Hello,

Im looking for advice i ran up debt in my younger years 18-21 moving out of my parents abruptly then loosing my job. now i'm in a position to pay having trouble finding alot of my debts im 28 so alot of them could be up to 10 years old or information on them i pay for experian credit expert my that just show's two small ccj's where else could i look?.

Next my credit rating is 522 very poor how would i be best off raising this? once my debts are paid off. I am wanting to finance a piece of plant machinery for my business as a tree surgeon so in abit of a rush to get it up its a hire purchase plan with a 6k deposit then the other 23k spread over 5 years.

Willing2Learn

Your credit score being at 522 is irrelevant as a potential lender neither sees nor uses your score. The credit score is for your eyes only.

Mitchel.

so what will a potential lender be looking at and for ?

[Deleted User]

Your credit history, current debts, limits, income and other related criteria.

DCFC79

How much are you paying for your experian report ?


Lenders see your history, any defaults you have etc.


Theres 2 other agencies, Equifax (use clearscore) and Call credit (use Noddle).


If you cant get information about your debts from your bank accounts or credit files then there's no way to find out who you owe money too.

Mitchel.

DCFC79 wrote: »

How much are you paying for your experian report ?


Lenders see your history, any defaults you have etc.


Theres 2 other agencies, Equifax (use clearscore) and Call credit (use Noddle).


If you cant get information about your debts from your bank accounts or credit files then there's no way to find out who you owe money too.

currently £15 a month

So is it worth signing up to the other two agencys?

[Deleted User]

Stop paying for your reports and scores.

Check your reports for free via MSE Credit Club, Noddle and Equifax.

Mitchel.

Deleted_User wrote: »

Stop paying for your reports and scores.

Check your reports for free via MSE Credit Club, Noddle and Equifax.

So i have now signed up to equifax yet it only show 2 ccj's no other information on other debts im sure i have an old phone contract i never paid off why isnt this showing up?

[Deleted User]

Because they don't report to Equifax.

Willing2Learn

Mitchel. wrote: »

So i have now signed up to equifax yet it only show 2 ccj's no other information on other debts im sure i have an old phone contract i never paid off why isnt this showing up?

Have you looked at your TransUnion (Noddle for free) report yet? Maybe your old 'phone contract will show up there.

When are the CCJs dated, as a potential lender will look at these negatively?

Mitchel.

Willing2Learn wrote: »

Have you looked at your TransUnion (Noddle for free) report yet? Maybe your old 'phone contract will show up there.

When are the CCJs dated, as a potential lender will look at these negatively?

to be honest quite a number of years ago they will all be paid of by the end of march.

Like i've read about defaults on your credit file but cant seem to see where it shows this on any credit file?