my credit score is not going up

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alkathir85
alkathir85 Posts: 2 Newbie
in Credit file & ratings
iv tried everything to get my score to go up at all, iv tried everything in the MSC on credit score improvment. iv got even a credit card and pay that off every month.


iv started from november, got my credit file and saw some defaults (4 years old) which i paid off all in one go, what am i doing wrong as i need to apply for a mortgage so that i can get a house

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Don't worry. Your credit score is a pretend number. It's not connected to your credit worthiness and isn't seen or used by anyone.

    All you have to do is manage your credit responsibly - eg make all contractual repayments. Using a card and clearing in full each month is good way to build history.

    If you think you have a patchy credit history, use a decent broker.
  • macman
    macman Posts: 53,098 Forumite
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    How many defaults is 'some'? You may have paid them off, but the defaults will remain on your credit history for another 2 years, and will certainly impact upon your ability to get a mortgage, and it's cost, even though they will show as satisfied.
    No free lunch, and no free laptop ;)
  • System
    System Posts: 178,094 Community Admin
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    You dont have a credit score
  • Craig1981
    Craig1981 Posts: 769 Forumite
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    you doing the right things to build up a file/history - score is for your eyes only and means nothing to lenders
    defaults will stay on your file for 6 years from date of 1st default, so another two years before they disappear. if you do look at your "score" and want to see it increase for you, you will notice this once defaults are removed
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    When are you wanting to apply for a mortgage ?


    Whats exactly on your report, any negatives ?


    What score do you think is ok for a mortgage ? Lenders don't see your score anyway, focus on your history being correct/up to date.
  • alkathir85
    alkathir85 Posts: 2 Newbie
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    thanks for the replies iv had 5 defaults on my file some that were old british gas account that i was not even using in an old adress.and a credit card. but mostly its late payments from 3 years ago from moving jobs so did not have funds to cover it from a weekly pay to a monthly one
  • macman
    macman Posts: 53,098 Forumite
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    5 defaults and you think you'll get a mortgage?! Dream on.
    I should put your house buying plans on hold for another 3 years until those drop off your credit history.
    No free lunch, and no free laptop ;)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
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    macman wrote: »
    5 defaults and you think you'll get a mortgage?! Dream on.
    I should put your house buying plans on hold for another 3 years until those drop off your credit history.

    They would need to see a specialist broker. And expect to pay high rates
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