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BAD CREDIT - AVERAGE CREDIT - GOOD CREDIT

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So Im looking to jump on this credit ting... its good to have the option of credit when you need it... im getting older... need to be making them wise decisions...

 

when you have defaults on your credit file and you pay it off can you call the company and tell them to completely remove the entry?

 

when people say it takes years to 'rebuild' credit file what does this 'actually' mean...? as in having a score of about 100 going up to 700?

 

this whole credit thing is a big myth

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I would say dont get one. They can be very dangerous

 

Yes they can improve your credit rating but I know plenty of people who have got mortgages without one

 

You cannot remove defaults unless for example the company see you normally pay your bill on time and just miss one payment.

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get a credrit card buy couple tings pay back straight away n ur credrit will increase

 

keep doin tht till u get goo credrit simple

 

u can ask for the defaults to be removed nt a myth but u will have to get the company to do it and thts jus long

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ive had bare loans and shit i havent paid back

 

gonna pay 90 quid to go bankrupt and my credrit rating will be wiped clean and bk to normal after six years

which i dont mind at all 

 

fuck paying back thousands

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y neg u dnt know my story

 

 

gt own yard no mortgage kitted out with everything....cris furniture whip the lot

 

all i gtta do is pay back 90 quid and declare myself bankrput

 

sorted

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i am tbh

 

wot do i need now?

 

everything i earn will pay for my bills

 

why are people obsessed wid credit if u cant afford dnt buy thts my new motto in life

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Idiot.

Got a CC, max it out every month then pay it off.

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(i have heard some business men do that though what kim is saying... theyve made p's... declared themselves bankrupt, then started over or some shit like that... but its all loopholes and changing assets names etc etc)

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I would say dont get one. They can be very dangerous

 

Yes they can improve your credit rating but I know plenty of people who have got mortgages without one

 

You cannot remove defaults unless for example the company see you normally pay your bill on time and just miss one payment.

it would of been good to remove defaults... on my file ive got 2 defaults and about 4 that say 'settled' with a figure next to it... i just wanna pay it all off and get the companies to remove the entries :/

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Was gonna make a seperate thread to do with money management

But how many of you live by if you can't buy it twice don't buy it at all rule?

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More like if I can't buy it 20 times

What u wanna buy?

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Nuttin mr lethal di biizal was giving his money tips on twitter

helped donaeo buy his first Ouse

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barley use my credit card tbh

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I would say dont get one. They can be very dangerous

 

Yes they can improve your credit rating but I know plenty of people who have got mortgages without one

 

You cannot remove defaults unless for example the company see you normally pay your bill on time and just miss one payment.

it would of been good to remove defaults... on my file ive got 2 defaults and about 4 that say 'settled' with a figure next to it... i just wanna pay it all off and get the companies to remove the entries :/

 

I don't think they can do that

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Idiot.

Got a CC, max it out every month then pay it off.

 

Why was this negged, that's standard for a CC, pay it off monthly.

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Ddggdddvccdssfdazfd

Why do ppl catch filings when they get negged?

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Ddggdddvccdssfdazfd

Why do ppl catch filings when they get negged?

 

Couldn't care less about the neg, but wondered why someone disagreed.

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Nuttin mr lethal di biizal was giving his money tips on twitter

helped donaeo buy his first Ouse

Lol

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^ did you find out how big solo is

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Defaults if you don't acknowledge them via payments for 6 years they become stat barred not enforceable. Ie unable for you to be taking to court. And said company will stop reporting on your credit file

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With updated defaults showing as satfised you can still get a mortgage. As along everything you pay monthly and don't miss payments and manage your credit well it will improve

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Idiot.

Got a CC, max it out every month then pay it off.

 

Why was this negged, that's standard for a CC, pay it off monthly.

 

Why "max it out though"?

 

I didn't neg you btw

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