My credit score is 7 on Clear-score

Ayupduck

How long before this improves? I'm rubbish with money? I don't think my credit score is that bad, is it? I opened a HSBC basic account recently no problems, my hubby is on holiday again for 3 years and before this holiday we have been rubbish with our finances.. Our business means we can't deposit payments into our accounts... I would like to get my credit score good again so I can order from bigger ladies clothing company's... As my husband is tight with his finances I am unable to purchase clothes, him being on holiday gives me breathing space, I am a larger lady so need bigger cloths... I need to improve my improve my credit score.... How long will it be to do this

[Deleted User]

Your score has less meaning than your horoscope.  Forget it. It's a comedy gimmick for your eyes only.

Lenders will only look at how you have managed your accounts, not a random number given by a company that doesn't lend money.

Have you actually been declined by sellers of large ladies clothes?  If so, what do your three credit files show?

margaretx9

Not sure if I can offer any suggestions beyond living within your means, not opening more credit accounts and paying your debts down and make all your payments on time before the due date. Over time if you do that it will improve.
PS What do you mean your husband is on holiday again for 3 years?

Ayupduck

margaretx9 said:

Not sure if I can offer any suggestions beyond living within your means, not opening more credit accounts and paying your debts down and make all your payments on time before the due date. Over time if you do that it will improve.
PS What do you mean your husband is on holiday again for 3 years?

My husband is in prison for 3 years.....

Ayupduck

Can I ask is my Score good or bad?

Ayupduck

I can't even open a basic sin only mobile phone account with O2....

Ayupduck

margaretx9 said:

not opening more credit accounts and paying your debts down and make all your payments on time before the due 

I'm unable to open any credit accounts.....

colsten

Nice photoshop job.

Ayupduck

colsten said:

Nice photoshop job.

Good luck creating that photoshop 

george9071

Don't rely on seeing meaningless scores what counts is your account activity, keeping them in good order and keeping them open for a stable amount of time, remember to leave a gap between applications etc. For more advice i would post this in the credit file area. You will see an improvement the better you handle your accounts.

wmb194

Ayupduck said:

colsten said:

Nice photoshop job.

Good luck creating that photoshop 

Modifying what webpages display is easy.