Good afternoon everyone,
I have come here seeking advice to guide me for the future.
I've just, very recently, come to the decision that I want to save for a house.
I'm now saving, and hope to have enough money for a deposit in 6-8 years time.
However, my past haunts me, and I'm lost as to what the best options would be to go about accomplishing my dream.
I have obtained my credit rating from Experian, which at the present time is 712 (poor).
I have many defaults against my name. This was due to not being able to meet my financial obligations because of losing my job and illness (resulting in me not being able to secure a new job for a while).
I have an overview of my history, but I'm not allowed to insert an image, or post a link yet, which is unfortunate because I believe it would help no end.
i.imgur.com/WAltepx.png
I want to know if it's best for me to leave these be, or start paying them back????
I, foolishly, contacted 4 of them yesterday, via email, without seeking guidance first .... still yet to hear back from them.
I will be extremely greatful for any, and all, help that's offered.
Kind regards,
Matt.