Jump to content

BAD CREDIT - AVERAGE CREDIT - GOOD CREDIT


Guest 90210

Recommended Posts

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

Link to comment
Share on other sites

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.

Link to comment
Share on other sites

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

  • Downvote 1
Link to comment
Share on other sites

(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)

Link to comment
Share on other sites

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 :/

Link to comment
Share on other sites

barley use my credit card tbh

Link to comment
Share on other sites

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

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

×
×
  • Create New...