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Credit rating advice please
benny1978_2
Posts: 2 Newbie
Hi all,
I am up for a remortgage early next year as my fixed rate finishes. Also I am looking to consolidate some debts for easier payments. I have applied for a few loans and been turned down recently so checked my credit report and have discovered that there is a default on the record.
I have lots of green 'Satisfactory' and then one big red DEFAULT. It is for an old mobile phone contract that I thought I had paid up. I got a letter from a debt collection agency about it and when I called them they said the debt had been writen off so I left it at that and thought no more about it.
Now I'm really worried that I might not be able to re-mortgage or get a loan that I need as I have been declined for all I've applied for.
Any advice on how to proceed would be really helpful.
I am up for a remortgage early next year as my fixed rate finishes. Also I am looking to consolidate some debts for easier payments. I have applied for a few loans and been turned down recently so checked my credit report and have discovered that there is a default on the record.
I have lots of green 'Satisfactory' and then one big red DEFAULT. It is for an old mobile phone contract that I thought I had paid up. I got a letter from a debt collection agency about it and when I called them they said the debt had been writen off so I left it at that and thought no more about it.
Now I'm really worried that I might not be able to re-mortgage or get a loan that I need as I have been declined for all I've applied for.
Any advice on how to proceed would be really helpful.
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