One day at a time

lillypoo

Hi emmel

You're getting there!
Who are "creation"?

So far I've only missed one payment with one card. June 1st I'll miss the 1st time on my other 2 cards and my o/d so my phones will be going on silent. M&s phoned me a lot the first week  left automated voice mails and sent a letter or two but there's been nothing since. 

Emmel

lillypoo said:

Hi emmel

You're getting there!
Who are "creation"?

They are a loan provider. 

My bank have tried to phone from an automated message a few times, but apart from that I havent heard much if at all from the others. My credit report now shows 1 missed payment but the others must be slow to update. I am expexting to hear again from creation this week/early next week regarding a default being registered, I shall then wait for that.

Emmel

 Not very much been happening, bank continue to call from an automated number. Creation have now instructed Themis Recoveries and their latest letter said if not paid in full in 14 days a default will be issued, but im sure they sent the same letter a couple of weeks ago, now about to miss payment 4 from all accounts

Floss

Hi Emmel,

If you register with Credit Karma, Clearscore & Experian (via the MSE credit club) for your free credit reports, you will get updates when your reports change.

lillypoo

Hi Emmel. i appreciate how you're feeling. As you know, I'm a couple of months behind you, but already I'm suprised at how uneventful it all is ...ok m&s call my mobile a few times a day but they've only written once or twice,  messages they leave are robot voices. 

When someone said on here that we are little fish in a big pond, that we arejust a number etc ...it was ki d of hard to realky believe. But its so very true.

@Floss thank you for that tip, do you knowhow often they update? My credit score on experian is still excellent despite having a hold on my overdraft and having missed cc payments. 

Emmel

Floss said:

Hi Emmel,

If you register with Credit Karma, Clearscore & Experian (via the MSE credit club) for your free credit reports, you will get updates when your reports change.

Hi Floss, yes I am registered with CRA, just a waiting game now

Floss

Emmel said:

Floss said:

Hi Emmel,

If you register with Credit Karma, Clearscore & Experian (via the MSE credit club) for your free credit reports, you will get updates when your reports change.

Hi Floss, yes I am registered with CRA, just a waiting game now

Register with them all, as each is slightly different in how quickly they update.

Emmel

Floss said:

Emmel said:

Floss said:

Hi Emmel,

If you register with Credit Karma, Clearscore & Experian (via the MSE credit club) for your free credit reports, you will get updates when your reports change.

Hi Floss, yes I am registered with CRA, just a waiting game now

Register with them all, as each is slightly different in how quickly they update.

Yeah, I will do that, thank you

Floss

lillypoo said:

@Floss thank you for that tip, do you knowhow often they update? My credit score on experian is still excellent despite having a hold on my overdraft and having missed cc payments. 

They update monthly, around the beginning of the month, but if you register & set up alerts you will be notified when there is a change like a default being added.

Your credit score will drop like a stone when your missed payments build up & you get defaults, so forget about that - it’s a made up number that has no real meaning.

Emmel

Been a while since I posted, approaching month 5 of missing payments and still no defaults. Creation finance have sent a few letters with notice of default, saying i need to pay full amount to avoid a default but no actual default yet, the other are just sending letters saying i have missed a payment etc. surprised it is taking so long