Advice on my credit score

Mulberrygirl1234

My credit score is now 272, and I’ve been trying to increase it. 

I had 6 defaults all outstanding from november 2016, I have now paid off 4. So I settled 4 this month. Everything else is on track, no searches, less than 50% credit utilisation and recent car finance at a good rate. 

My question is how much impact will the settled defaults Make?
 When I paid 2 off they changed them from defaulted to closed accounts so surely that’s better.

Barney_Rubble_0403

https://debtcamel.co.uk/defaulted-account-credit-score/
Looks like time is more important.

[Deleted User]

Ignore the pretend score.  

Settle your debts and start to build good history through sensible cars usage.  

Pay off the car finance if you can.

DCFC79

Mulberrygirl1234 said:

My credit score is now 272, and I’ve been trying to increase it. 

I had 6 defaults all outstanding from november 2016, I have now paid off 4. So I settled 4 this month. Everything else is on track, no searches, less than 50% credit utilisation and recent car finance at a good rate. 

My question is how much impact will the settled defaults Make?
 When I paid 2 off they changed them from defaulted to closed accounts so surely that’s better.

Time and patience are the best healers.
Your score is a number that only you can see.

Steve_KCS

Your username doesn't help your spending I think... 

Mulberrygirl1234

Steve_KCS said:

Your username doesn't help your spending I think... 

strange response.i Didn’t say I spent a lot of money 

sassy_one

You don't have a credit score.