Guest chap44uns

Credit Rating

65 posts in this topic

Whats the best ways to boost your credit rating in the shortest possible time?

my rating is currently sh*t isit possible to boost by say sept or oct?

0

Share this post


Link to post
Share on other sites

If you have bills to pay set up a direct debt.

Payoff any debt that you have.

Register yourself to vote

0

Share this post


Link to post
Share on other sites

If you have bills to pay set up a direct debt.

Payoff any debt that you have.

Register yourself to vote

This plus don't apply for credit till then.

0

Share this post


Link to post
Share on other sites

Take out a pay day loan and pay it back, literally just borrow the minimum and pay it back on the agreed date.

0

Share this post


Link to post
Share on other sites

Take out a pay day loan and pay it back, literally just borrow the minimum and pay it back on the agreed date.

he knows

0

Share this post


Link to post
Share on other sites

Might even be worth applying for a card like Capital One Classic and using it every month. They're quite a few 'credit builder' cards i've been looking at myself lately as my credit is also sh*t.

0

Share this post


Link to post
Share on other sites

quickest quickest quickest possible way... is literally payday loans... do the minimum and pay it back whenever the repayment is...

im not too sure, but as soon as u pay it back, im sure your credit changes there and then or prob within a few weeks to a month...

the others would be:

pay off all bailiff fines

court fines

do direct debit

get a job and monies will be coming into your account

register for electoral role

0

Share this post


Link to post
Share on other sites

its pik when u cant even be accepted for a credit card with 40%+ APR

THATS WHEN YOU KNOW...

0

Share this post


Link to post
Share on other sites

If bailiff letters stop coming and they haven't come yet (its been 2 yrs), what's happened?

0

Share this post


Link to post
Share on other sites

Take out a pay day loan and pay it back, literally just borrow the minimum and pay it back on the agreed date.

he knows

did it last year alot trying to get my credit rating better

0

Share this post


Link to post
Share on other sites

A debt only become statured barred if not per sued or contact within 6 years, bearing in mind the debt will be probe be re sold and the cycle will start again

0

Share this post


Link to post
Share on other sites

Most payday loans don't even appear on your credit file.

Get a Vanquis or Granite card, and keep paying off full balance every month.

Check your file regularly, there maybe incorrect info or stuff that should have came off.

(null)

0

Share this post


Link to post
Share on other sites

Its 6 years from the default date stated on your file.

Regardless if it has been sold the default still remains and the time can not be reset or whatever.

What will will happen is that you will see two entries for the same default, one for the original company and the new DCA

(null)

0

Share this post


Link to post
Share on other sites

Take out a pay day loan and pay it back, literally just borrow the minimum and pay it back on the agreed date.

So if I do this all the time will my credit boost alot or...?

how good would ur credit need to be to apply for a cc card or loan worth 10k+?

0

Share this post


Link to post
Share on other sites

how do you check your credit rating

do you have to pay?

0

Share this post


Link to post
Share on other sites

Take out a pay day loan and pay it back, literally just borrow the minimum and pay it back on the agreed date.

So if I do this all the time will my credit boost alot or...?

how good would ur credit need to be to apply for a cc card or loan worth 10k+?

prob 650+

full time employment with no adverses before

0

Share this post


Link to post
Share on other sites

how do you check your credit rating

do you have to pay?

yes

creditexpert

equifax

1

Share this post


Link to post
Share on other sites

how do you check your credit rating

do you have to pay?

most sites do it for free with a monthly charge tingy - just signup do the check then cancel

1

Share this post


Link to post
Share on other sites

Its 6 years from the default date stated on your file.

Regardless if it has been sold the default still remains and the time can not be reset or whatever.

What will will happen is that you will see two entries for the same default, one for the original company and the new DCA

(null)

My credit is extremely poor, something like 228 rated as very poor

Currently have 3 defaults, one from natwest, which the 6 year mark will reach this year - will this be removed?

second is tmobile, which should clear this year or next with the 6 year mark .. however I noticed they sold this debt on last year - does this mean I have to wait a further 6 years from when they purchased the debt?

Funny this topic popped up, was going to write up letters to all of my defaulters... f*cked when you realise how important credit is !!!

0

Share this post


Link to post
Share on other sites

I swear if you change ur name ur debts get wiped?

0

Share this post


Link to post
Share on other sites

If your not on the Electorial role, then its virtually impossible to get a credit card.

I wasnt on it for years and kept getting rejected for cards. I signed up to the role, it took about 6 weeks to show up on my credit file and then the week after I applied for a card and got accepted with a £5k limit.

0

Share this post


Link to post
Share on other sites

I swear if you change ur name ur debts get wiped?

:lmao::rofl:

^_)

1

Share this post


Link to post
Share on other sites

Lol nah I swear that's true? If you change ur identity? or is dis di bullshiii?

-2

Share this post


Link to post
Share on other sites

one marli told me she did it and it worked, for some t mobile account.

0

Share this post


Link to post
Share on other sites

lol woow name change ya know

..or is it one of them things thats true but pl think its too easy

0

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now