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How long to clear?
in Credit file & ratings
24 replies 361 views
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There are no transgressions, I very carefully consider the affordability of any borrowing before applying and err on the side of caution. I am VERY careful, in the handful of cases where i might have missed a payment (expired card etc), I have always paid it very quickly.
I ran the mse credit club checker, and the score came out much lower than on experian, via experian direct its 999, via CC its 600ish, 'poor'. The reason for this was poor utilisation of credit. As I have used some of the credit available to me, i have an active store card, credit card and overdraft, but about 2/3 available and no 'transgressions', I can only think it is in fact the case that I'm still linked to my ex?
Get the notices of disassociation sorted, wait a few months, then reapply.