Please help. 3 defaulted accounts.

Stoneman123

Hello, I am certified accountant in the UK. My credit score has been ruined due to 3 defaults(for £700 amex, £195 vodafone and £100 I don't remember what it was). All defaults are happened at the same time a year ago between Jan 2023-May 2023.

It used to be extremely high, but now It is that low, so I can’t even dream about getting anything. All this happened due to the fact that I had visit my home country urgently for a few months (My close relative passed away). Obviously, I paid off my main credit card in full, paid all home bills prior my trip. I simply forgot that I have bought something from AMEX before I left(some John Lewis gifts) and I forgot about vodafone(£25 + roaming charge for £170 for 3 days). No one was at home to check the bills, as I took all my family and foreign sim cards only work for 3 days in my home country, then they need to be registered with government. I used local sim-card and whatsapp from my English number. So, I honestly missed those payments. Idk, can I appeal on defaults, as it is not 10k debt, Vodafone bill and 2 days shopping spending…

 

 I am trying to fix the credit score, I have 3-4 credit cards, constantly paying them off in full with credit utilization of 30% every month. I had a loan, fully paid off already. All defaults have been satisfied as soon as I found out about it. I read all the guides on how to improve it, but I feel no effect. Making no new applications,  linked my bank account to Experian boost, I even have that loqbox subscription, which creates prepaid loan pay off every month.

 

Anyone managed to improve the credit score to adequate level after 1-2 years of default. I wanted to apply for my first mortgage in year.

 

Any advise is appreciated

born_again

Have you paid them off as soon as you got back?

You score is pointless, as proved by Experian boost.
But the defaults are what counts & you credit history (missed payments)

adamp87

You can certainly contact the companies in question explain the situation & your career and appeal for them to do so. You never know.

its an accurate representation of events so 99% they won’t but it has been known for companies to do this on occasion.