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Experian/defaults/debt cleared

col81
Posts: 336 Forumite

I have cleared all my debt my experian credit score is 857, i still have 2 defaults showing that come off in May. At the moment if i do a soft search i am unable to get credit. Is it right that once these 2 defaults come off and i have no credit in last 6 years and a fully up to date mortgage i will be able to obtain credit? The search must be clever enough to show at the moment my defaults.
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Comments
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col81 said:I have cleared all my debt my experian credit score is 857.Your score is largely irrelevant, it’s your history that counts, so those old defaults will likely be the cause of your inability to obtain credit.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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It may be worth using eligibility checkers with capital one and aqua first to see if you’re eilligible without effecting your credit file. It may be worth taking some time to reflect on why you had defaults etc before jumping straight back into credit cards and debt.0
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I was just doing a check that doesn't have a impact on credit score to see what it did. My priority will be changing my mortgage. Ive been in debt for many a year and finally seeing light and finally growing up!0
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col81 said:I was just doing a check that doesn't have a impact on credit score to see what it did. My priority will be changing my mortgage. Ive been in debt for many a year and finally seeing light and finally growing up!
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