My credit score is 7 on Clear-score

nick74

Ayupduck said:

Can I ask is my Score good or bad?

It's neither good nor bad. It's irrelevant, stop worrying about the score.

DCFC79

Whats on your credit file not the score ?

colsten

DCFC79 said:

Whats on your credit file not the score ?

For starters, there’s a recently added HSBC account. Unless that has also been photoshopped in.

D3xt3r5L4b

“ Our business means we can't deposit payments into our accounts”

And what “business” is this exactly?

Is it linked to your husbands recent “holiday”?

BogBrush85

Ayupduck said:

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

A hell of long time. That's basically as low as you can get. My 380 ain't that bad after all.

BogBrush85

Ayupduck said:

Can I ask is my Score good or bad?

It's as low as you can get basically 

Wheres_My_Cashback

Ayupduck said:

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

Congratulations, I'm really pleased for you !

nicetomeetyou

BogBrush85 said:

A hell of long time. That's basically as low as you can get. My 380 ain't that bad after all.

My ClearScore is 344.... I have managed to get an overdraft, Vanquis credit card and catalog account with that score. I have a default that drops off in 18 months so hopefully will get a mainstream credit card when it's off...

Ayupduck ---- You're score isn't the best but you can improve over time if manage your finances better, it will improve..

Dandytf

nicetomeetyou said:

BogBrush85 said:

A hell of long time. That's basically as low as you can get. My 380 ain't that bad after all.

My ClearScore is 344.... I have managed to get an overdraft, Vanquis credit card and catalog account with that score. I have a default that drops off in 18 months so hopefully will get a mainstream credit card when it's off...

Ayupduck ---- You're score isn't the best but you can improve over time if manage your finances better, it will improve..

274 -during last 18 months of SC DMP.
Enjoy 344 -maybe 2021 or later for myself!
OP what does credit karma score or Equifax, both are free in addition to Clearscore.

D3xt3r5L4b

Don’t know what mine is. 

And don’t care either.